2012 Acura RDX Insurance Rates – 6 Tricks for Best Quotes

Locating better insurance prices for a new or used Acura RDX could be a painful process, but you can follow a few tricks to make it easier.

There is a right way and a wrong way to shop for car insurance so you’re going to learn the absolute fastest way to get price quotes for a new or used Acura and locate the cheapest rates.

It’s a great practice to compare prices periodically because prices are constantly changing. Even if you got the best rates on RDX insurance last year you may be paying too much now. Forget all the misinformation about car insurance because you’re going to get a crash course in one of the best ways to properly buy coverages and cut your premium.

Finding the lowest cost insurance coverage is easy if you know what you’re doing. If you have a policy now or need a new policy, you can follow these tips to reduce the price you pay while maintaining coverages. Drivers only need an understanding of the most efficient way to compare price quotes online.

Get cheaper insurance with discounts

Companies that sell car insurance don’t list all disounts in a way that’s easy to find, so the list below contains some of the more common and the harder-to-find ways to save on insurance. If you don’t get every credit you deserve, you may be paying too high a price.

  • Drive Safe and Save – Insureds who avoid accidents can save as much as half off their rates on RDX insurance than drivers with accident claims.
  • Life Insurance – Some insurance carriers give a discount if you purchase a life policy as well.
  • Auto/Home Discount – If you can bundle your auto and home insurance with one insurance company they may give you a discount of nearly 15% which can help you find cheaper car insurance.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course in school or through a local driver safety program.
  • Driving Data Discount – Insureds that choose to allow companies to track driving habits by using a small device installed in their vehicle like Allstate’s Drivewise could see a rate decrease if they are good drivers.
  • Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts may be able to save a few bucks off PIP or medical payments premium.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, you’re out of luck.

Some of the larger companies that may offer these benefits are:

If you want inexpensive car insurance quotes, ask every insurance company which credits you are entitled to. Discounts might not be offered on policies in your area. If you would like to view providers that have a full spectrum of discounts, click here.

Ads can be misleading

Consumers can’t escape the ads that promise big savings for switching by Progressive, Allstate and GEICO. They all seem to say the same thing about saving some big amount if you move your policy.

That’s great but how can every company make the same claim? It’s all in how they say it.

All companies have a preferred profile for the type of driver that makes them money. An example of a desirable insured might be over the age of 40, has no prior claims, and has great credit. A customer who fits those characteristics will get the preferred car insurance rates as well as cut their rates substantially.

Consumers who are not a match for this stringent profile may be forced to pay higher prices and this can result in business going elsewhere. The ads state “customers that switch” not “everyone that quotes” save that much. That’s the way insurance companies can state the savings.

This really drives home the point why drivers should get car insurance quotes as often as possible. It is impossible to predict which insurance companies will give you the biggest savings.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether you would benefit from professional advice.

  • Is rental equipment covered for theft or damage?
  • Can I drive in Mexico and have coverage?
  • When should I remove comp and collision on my 2012 Acura RDX?
  • Will I lose any money if I cancel my policy before it expires?
  • Exactly who is provided coverage by my policy?
  • What are the best liability limits?
  • Should I rate my 2012 Acura RDX as pleasure use or commute?
  • Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Detailed coverages of your auto insurance policy

Learning about specific coverages of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, damage from flooding, damage from a tornado or hurricane and hitting a deer. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your 2012 Acura RDX.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Auto liability insurance

This coverage will cover damage that occurs to a person or their property. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like attorney fees, medical services, bail bonds and legal defense fees. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Auto collision coverage

Collision insurance pays for damage to your RDX from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like damaging your car on a curb, sustaining damage from a pot hole, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses like surgery, pain medications, nursing services and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

More effort can pay off

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where someone dropped collision coverage only to regret that the savings was not a smart move. Your goal is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

A few companies do not offer internet price quotes and many times these small, regional companies prefer to sell through independent agents. Cheap 2012 Acura RDX insurance is available on the web and from local agencies, and you should be comparing both to have the best chance of lowering rates.

People leave their current company for many reasons like high rates after DUI convictions, an unsatisfactory settlement offer, policy non-renewal or questionable increases in premium. It doesn’t matter why you want to switch finding a new insurance coverage company is not as difficult as it may seem.

Much more information about insurance coverage is located below: