Compare 2007 Acura RDX Insurance Quotes

Are you tired of being strong-armed each month for car insurance? You are in the same boat as millions of other consumers. Big-name insurance companies like State Farm, Progressive and GEICO promote their brand names with ads and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

It’s a good habit to take a look at other company’s rates before your policy renews due to the fact that insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price on RDX coverage a couple years back there may be better deals available now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to how to use online quotes to properly buy coverages while reducing your premium.

Free Insurance Quotes

Effectively comparing insurance prices can take hours if you aren’t aware of the most efficient way. You could waste a few hours driving to insurance agencies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Most of the larger companies belong to a marketplace that enables customers to submit their information once, and at least one company provides a quote based on that information. This eliminates the need for form submissions for each company you want a rate for.

To enter your information into the quoting system, click here to open in new window.

The only drawback to doing it this way is you can’t choose which insurance companies you want to price. So if you want to select from a list of companies to request quotes from, we have assembled a list of companies who write insurance in your area. Click here to view list.

It’s up to you which method you use, but make absolute certain that you use the exact same deductibles and coverage limits for each price quote. If your comparisons have unequal deductibles or liability limits then you won’t be able to make a fair comparison for your Acura RDX.

Lesser-known factors impacting Acura RDX insurance rates

An important part of buying insurance is that you know the different types of things that play a part in calculating your insurance coverage rates. Understanding what controls the rates you pay helps enable you to make changes that may reward you with better insurance coverage rates.

  • Teen drivers pay high rates – Young drivers tend to be less responsible behind the wheel so they pay higher insurance coverage rates. If you’ve ever had to add a young driver to your policy can really hurt. Older drivers tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Poor driving leads to higher costs – Your driving citation history has a big impact on rates. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Only having one ticket may increase your cost forty percent or more. Drivers who have dangerous citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Marriage pays dividends – Having a spouse can get you a discount when buying insurance coverage. Having a significant other usually means you are more mature than a single person and statistics show drivers who are married are more cautious.
  • Lower miles equals lower premium – The more you drive in a year’s time the higher your rate. Most companies charge to insure your cars determined by how the vehicle is used. Autos that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Verify your insurance coverage policy is showing the correct driver usage. If your policy improperly rates your RDX may be wasting your money.

Discounts are available to cut your rates

Car insurance companies do not list all their discounts very well, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using. If you don’t get every credit possible, you are throwing money away.

  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • No Accidents – Good drivers with no accidents pay much less when compared with frequent claim filers.
  • Sign Online – Some insurance companies will give a small break for buying a policy and signing up on their website.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Life Insurance – Some companies give lower rates if you buy life insurance from them.
  • Multiple Cars – Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.

Drivers should understand that most credits do not apply the the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way.

A partial list of companies who might offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. Discounts may not apply in your area.

Everyone needs different coverages

When it comes to buying coverage for your vehicles, there isn’t really a best way to insure your cars. Every situation is different so your insurance needs to address that. These are some specific questions may help highlight whether or not you would benefit from professional advice.

  • Are my friends covered when driving my car?
  • Do I need to file an SR-22 for a DUI in my state?
  • I don’t drive much so do I pay less?
  • Am I covered when pulling a rental trailer?
  • Is my nanny covered when driving my vehicle?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Coverages available on your policy

Understanding the coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are the normal coverages offered by insurance companies.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hail damage, rock chips in glass and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2007 Acura RDX.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision – Collision insurance pays for damage to your RDX from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, crashing into a ditch, backing into a parked car, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Auto liability insurance – This coverage will cover damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as medical expenses, medical services and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for bills such as funeral costs, rehabilitation expenses, pain medications, prosthetic devices and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Quote more, save more

We just covered a lot of tips how to lower your 2007 Acura RDX insurance rates. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the lowest priced insurance coverage comes from a smaller regional carrier. Some small companies often have lower prices on specific markets compared to the large companies like GEICO and State Farm.

The cheapest insurance is definitely available online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

More tips and info about insurance coverage is available in these articles: