Cheap 2013 Acura RDX Car Insurance Quotes

When shopping for lower-priced insurance, are you baffled by the sheer number of insurance coverage companies in your area? You’re not alone. people have such a large number of options that it is a real difficult job to lower your rates.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Locating the best car insurance is not that difficult. But vehicle owners must know how insurance companies compete online because it can help you find the best coverage.

Do you qualify for discounts?

Companies offering auto insurance don’t always publicize every disount available in a way that’s easy to find, so here is a list both well-publicized and also the more inconspicuous insurance savings. If you do not check that you are getting every discount you qualify for, you could be paying more than you need to.

  • Life Insurance – Not all companies offer life insurance, but some may give you a break if you buy a life policy as well.
  • Multi-policy Discount – If you insure your home and vehicles with one company you could save up to 20% and get you the cheapest insurance coverage.
  • Distant College Student Discount – Kids who attend college more than 100 miles from home without a vehicle on campus could get you a discount.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.
  • Accident Forgiveness Coverage – Not a discount per se, but certain companies will let one accident slide before your rates go up so long as you are claim-free prior to being involved in the accident.
  • Senior Citizen Rates – Drivers that qualify as senior citizens may qualify for reduced rates for RDX insurance.
  • Defensive Driver – Taking part in a class that teaches safe driver techniques could possibly earn you a 5% discount and also improve your driving technique.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. A few only apply to specific coverage prices like medical payments or collision. Just because you may think all the discounts add up to a free policy, you aren’t that lucky. But any discount should help lower the premium cost.

Larger insurance companies and some of the discounts are included below.

  • Farmers Insurance offers discounts for electronic funds transfer, early shopping, bundle discounts, multi-car, and alternative fuel.
  • Esurance includes discounts for anti-theft, online quote, anti-lock brakes, good driver, paid-in-full, claim free, and online shopper.
  • State Farm has savings for Drive Safe & Save, accident-free, good student, defensive driving training, anti-theft, multiple policy, and multiple autos.
  • GEICO offers premium reductions for federal employee, driver training, emergency military deployment, air bags, military active duty, and multi-vehicle.
  • Allstate may include discounts for EZ pay plan discount, resident student, economy car, anti-lock brakes, and good payer.

When getting free insurance coverage quotes, it’s a good idea to all the companies what discounts are available to you. Depending on the company, some discounts may not apply in your area. To view insurance companies who offer discounts, follow this link.

Low cost auto insurance prices

When looking for inexpensive insurance coverage quotes, there are a couple ways to compare quotes from all the different companies. The easiest way to find the cheapest 2013 Acura RDX insurance rates is to use the internet to compare rates. This is very easy and can be done in several different ways.

  1. The most efficient method to get quotes is an all-inclusive rate comparison (click to open form in new window). This type of form keeps you from doing separate quotes for every company. One form will get you price quotes instantly.It’s the quickest way to get rates.
  2. A harder way to shop for auto insurance online is to take the time to go to the website of each company and repeat the quote process. For examples sake, let’s say you want to get rates from Progressive, Safeco and State Farm. You would be required to go to every website and enter your information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but make sure you compare nearly identical quote data for each comparison quote. If you have unequal deductibles or liability limits it will be impossible to determine which company has the best rates. Quoting even small variations in insurance coverages may cause a big price difference. And when price shopping your coverage, comparing more company’s prices increases the change that you will find more affordable insurance.

Choices you make can impact your insurance premiums

Smart consumers have a good feel for some of the factors that aid in calculating the level of your policy premiums. If you understand what determines base rates, this helps enable you to make changes that can earn you lower rates.

  • Combine policies and save money – The majority of insurers provide better rates to insureds that purchase more than one policy such as combining an auto and homeowners policy. Discounts can amount to ten percent or more. If you currently are using one company, you may still want to compare other company rates to verify if the discount is saving money.
  • Are men or women drivers cheaper? – Over the last 50 years, statistics have shown females are less aggressive when driving. That doesn’t necessarily mean that men are worse drivers. Women and men have fender benders at a similar rate, but the male of the species tend to have more serious accidents. Men also have more aggressive citations like reckless driving and DUI. Teenage male drivers have the highest risk to insure and therefore pay the highest rates.
  • Why do you need liability? – Your policy’s liability coverage provides coverage in the event that you are found liable for an accident. It provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Don’t get traffic citations – Having a clean driving record impacts premiums far more than you think. Good drivers have lower premiums than bad drivers. Only having one driving citation could increase your next policy renewal twenty percent or more. Drivers with careless violations like reckless driving or DUI may be required to file a SR-22 with their state motor vehicle department in order to legally drive.

Don’t assume everyone needs the same auto insurance coverage

When buying coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different.

For example, these questions might help in determining if your insurance needs would benefit from professional advice.

  • When would I need rental car insurance?
  • Does my 2013 Acura RDX need full coverage?
  • I have a DUI can I still get coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my friends covered when driving my 2013 Acura RDX?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is upholstery damage covered by car insurance?
  • Do I need higher collision deductibles?
  • How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form.

Is there truth in advertising?

Respected companies like State Farm, GEICO and Progressive constantly bombard you with television, radio, and online ads. They all state the claim that drivers will save a bundle if you change your coverage. How is it possible that every company can offer drivers better rates?

Many companies have specific guidelines for a prospective insured that will most likely be profitable. For instance, a preferred risk should be a married female, has a clean driving record, and drives a vehicle with a low ISO rating. A customer getting a price quote that meets those criteria will qualify for the lowest car insurance rates and will probably save quite a bit of money when switching.

Insureds who don’t meet those standards will be quoted higher premium rates and this results in the customer buying from someone else. If you pay attention, the ads say “people who switch” not “everyone who quotes” save that much when switching. This is how companies can make it sound like they have such great prices. Each company has different criteria, so you really should compare as many free insurance coverage quotes as you can. Because you cannot predict which company will fit you best based on your risk profile.

Specific coverage details

Understanding the coverages of a car insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Collision coverage

This coverage pays for damage to your RDX from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, hitting a parking meter, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Liability

Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims like emergency aid, loss of income, repair costs for stationary objects, medical expenses and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, hail damage, vandalism, damage from getting keyed and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses for funeral costs, rehabilitation expenses and dental work. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

One last thing

Drivers switch companies for a variety of reasons including questionable increases in premium, poor customer service, an unsatisfactory settlement offer and even delays in paying claims. It doesn’t matter what your reason, finding the right auto insurance provider can be easier than you think.

We’ve covered many ways to save on 2013 Acura RDX insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with a lesser-known regional company.

As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. Too many times, an accident victim reduced full coverage only to regret that it was a big error on their part. Your objective should be to find the BEST coverage at the lowest possible cost, but do not skimp to save money.

Other information