2016 Acura RDX Car Insurance Rates – 10 Discounts for Best Quotes

Nobody I know looks forward to paying premiums for auto insurance, especially when they know they are paying too much.

Since you have so many options, it’s nearly impossible to locate the most affordable auto insurance provider.

Cheapest insurance quotes

Most of the larger companies like Allstate, GEICO and Progressive give prices for coverage on their websites. Getting online quotes is quite easy because it’s just a matter of typing in into a form. After you complete the form, their quoting system will obtain your credit score and driving record and returns a price quote. This streamlines rate comparisons, but the process of having to visit a lot of sites and type in your information can be a bit repetitive. But it is imperative to perform this step if you are searching for the best price possible.

Online rates the easy way

The quickest way to find cheaper rates uses one simple form that obtains quotes from many companies. This type of form saves time, requires much less work on your part, and makes online shopping much easier to do. Immediately after you send the form, it is rated and you are able to buy any one of the quotes returned.

If the quotes result in lower rates, you simply finish the application and purchase coverage. This process just takes a couple of minutes and could lower your rates considerably.

To save time and find out how much you can save on insurance, simply click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you replicate exactly as they are listed on your policy. Doing this guarantees you’re receiving a price comparison for the exact same coverage.

Drivers save money with with these ten discounts

Companies offering auto insurance do not advertise the complete list of policy discounts in an easy-to-find place, so we took the time to find a few of the more well known and the more hidden discounts that you can inquire about if you buy insurance online.

  • Switch and Save Discount – A few insurance companies offer discounts for signing up prior to your current policy expiring. It can save you around 10%.
  • Theft Deterent – Cars and trucks with anti-theft systems help deter theft and can earn a small discount on your policy.
  • New Vehicle Savings – Buying a new car model can save you some money since newer models are generally safer.
  • Multi-line Discount – Insurance companies who offer life insurance give lower premium rates if you buy some life insurance too.
  • ABS Braking Discount – Cars with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.
  • Online Discount – Some of the larger companies will provide an incentive for signing up on the web.
  • Lower Rates for Military – Being deployed with a military unit may lower your rates slightly.
  • Smart Student Discounts – Getting good grades may save as much as 25% on a insurance quote. This discount can apply until age 25.
  • Government Employee Discount – Active or retired federal employment can earn a discount up to 10% on RDX coverage depending on your insurance provider.
  • Telematics Devices – People who choose to allow data collection to analyze where and when they drive by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if their driving habits are good.

Don’t be surprised that some credits don’t apply the the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

Companies that have these benefits possibly include:

If you need lower rates, check with each company or agent which discounts you qualify for. Some of the discounts discussed earlier may not apply everywhere.

Your situation helps dictate your coverage

When it comes to choosing coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. These are some specific questions can help discover whether your personal situation could use an agent’s help.

  • When should I buy a commercial auto policy?
  • What is the ISO rating for a 2016 Acura RDX?
  • Are there companies who specialize in insuring high-risk drivers?
  • What happens if I owe more than my 2016 Acura RDX is worth?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What is covered by UM/UIM coverage?
  • What is PIP insurance?
  • Should I put collision coverage on all my vehicles?
  • Do I have coverage if my license is suspended?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Don’t believe everything you hear

Companies like Allstate, GEICO and Progressive seem to constantly run ads on TV and radio. All the companies make the same claim about savings if you switch your policy. How is it plausible that every one can save you money? Here is the trick they use.

Insurance companies give the best rates for the type of driver that will be a good risk. One example of a driver they prefer should be a female over age 40, has never had a claim, and has great credit. A customer that meets those criteria will get very good premium rates and most likely will save some money.

People who fall outside the “perfect” profile may receive higher rates which leads to the prospect going elsewhere. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” save that much when switching. That’s the way insurance companies can confidently claim big savings.

Because each company has a different risk profile, you need to get insurance quotes as often as possible. It’s just not possible to know which insurance coverage company will have the best rates for your profile.

Coverages available on your auto insurance policy

Learning about specific coverages of a auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverage types available from auto insurance companies.

Liability – Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like repair costs for stationary objects, repair bills for other people’s vehicles, funeral expenses and attorney fees. How much coverage you buy is your choice, but you should buy higher limits if possible.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, rock chips in glass, damage from a tornado or hurricane, theft and falling objects. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Acura RDX.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for immediate expenses like nursing services, rehabilitation expenses and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverages – Collision coverage will pay to fix damage to your RDX from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

More choices the merrier

Throughout this article, we presented some good ideas how you can shop for 2016 Acura RDX insurance online. The most important thing to understand is the more you quote insurance, the higher your chance of finding inexpensive insurance. You may even discover the lowest rates come from a small mutual company. These smaller insurers often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.

Some insurance providers may not offer price quotes online and these smaller providers sell through independent insurance agents. Lower-priced 2016 Acura RDX insurance can be sourced from both online companies and from local insurance agents, so you need to compare both to have the best chance of lowering rates.

When you buy insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced physical damage coverage only to regret they didn’t have enough coverage. The aim is to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.

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