2014 Acura RDX Car Insurance Cost – 10 Tips for Cheaper Prices

When trying to find cheaper insurance, are you overwhelmed by the number of car insurance companies in your area? Vehicle owners have such a vast assortment of companies available that it can easily turn into a difficult challenge to find the best car insurance rates.

It is always a good idea to do price comparisons every six months because insurance prices trend upward over time. Just because you had the best deal for RDX coverage at your last renewal you can probably find a lower rate today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the right way to eliminate unnecessary coverages and save money.

Insurance Coverage Discounts

Some companies don’t list the entire discount list very well, so here is a list some of the best known and the more hidden ways to save on insurance coverage.

  • Defensive Driving Course – Successfully completing a class that teaches defensive driving techniques is a good idea and can lower rates and easily pay for the cost of the class.
  • Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be insured at a cheaper rate.
  • Low Miles Discount – Fewer annual miles on your Acura can earn lower premium rates on the low mileage vehicles.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% for RDX coverage than drivers with accident claims.
  • More Vehicles More Savings – Buying coverage for multiple cars on one policy qualifies for this discount.
  • Discounts for Government Workers – Active or retired federal employment can save as much as 8% for RDX coverage depending on your company.
  • Sign Early and Save – Some insurance coverage companies give discounts for renewing your policy before your current expiration date. You may see this discount when you get car insurance quotes online.
  • One Accident Forgiven – but a handful of insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Driver’s Education for Students – Cut your cost by having your teen driver take driver’s ed class in school.

We need to note that many deductions do not apply the the whole policy. Most only reduce individual premiums such as comprehensive or collision. Just because you may think you could get a free insurance coverage policy, companies wouldn’t make money that way. But all discounts will help reduce your policy premium.

To locate insurance companies with the best insurance coverage discounts, click here.

Compare quotes for auto insurance

When shopping for affordable car insurance quotes, there are a couple of ways to compare quotes from auto insurance companies in your area. The best way to compare rates is to jump online and get quotes. This is very easy and can be done in a couple minutes as outlined below.

  • Probably the best way to find the lowest comparison rates is a comparison rater form click to view form in new window. This style of form prevents you from having to do a different quote for every prospective company. In just a few minutes this one form gets you price quotes instantly. It’s definitely the quickest method.
  • A harder way to obtain and compare quotes online is to manually visit each company’s website and request a quote. For examples sake, we’ll pretend you want to get rates from USAA, State Farm and Allstate. You would be required to navigate to each company’s site and enter your policy data, which can take a lot of time.

    To view a list of companies in your area, click here.

Take whichever approach you prefer, but make darn sure you compare the same coverages on every quote you get. If you are comparing different values for each quote you will not be able to determine the lowest rate for your Acura RDX. Even a minor difference in coverage limits may result in large price differences. And when price shopping your coverage, comparing a wide range of rates helps increase your odds of locating more affordable insurance.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there is no single plan that fits everyone. Every insured’s situation is different.

For instance, these questions could help you determine whether you could use an agent’s help.

  • Are my friends covered when driving my car?
  • Do I have coverage when making deliveries for my home business?
  • Is my nanny covered when driving my vehicle?
  • What is no-fault insurance?
  • Does my insurance cover my expensive audio equipment?
  • How high should deductibles be on a 2014 Acura RDX?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I file a claim if it’s only slightly more than my deductible?

If you don’t know the answers to 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, simply complete this short form.

Educate yourself about insurance coverages

Knowing the specifics of your policy helps when choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses for things like nursing services, X-ray expenses, surgery, chiropractic care and dental work. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like falling objects, damage from flooding and theft. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Acura RDX.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability coverages

This provides protection from injuries or damage you cause to a person or their property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like pain and suffering, court costs, attorney fees, bail bonds and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as much as you can afford.

Collision coverage protection

Collision insurance will pay to fix damage to your RDX resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a ditch, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Feed the piggy bank

Low-cost 2014 Acura RDX insurance can be found both online and from local agencies, so you should compare both so you have a total pricing picture. A few companies don’t offer price quotes online and many times these small, regional companies sell through independent agencies.

Throughout this article, we presented a lot of information how to save on 2014 Acura RDX insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the best car insurance rates are with the least-expected company.

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. Too many times, an insured cut liability coverage limits only to find out that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at the best price, but don’t skip important coverages to save money.

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