No one in their right mind looks forward to paying for car insurance, in particular when their premiums are through the roof. Numerous auto insurance companies battle for your insurance dollar, and because of this it can be hard to compare insurers and uncover the absolute lowest rate
You should make it a habit to compare prices quite often because insurance rates tend to go up over time. Even if you got the lowest price on RDX coverage a few years ago you may be paying too much now. Ignore everything you know about car insurance because you’re about to find out the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.
Companies that sell car insurance don’t necessarily list all available discounts in a way that’s easy to find, so the following is a list of some of the more common and the more hidden auto insurance savings. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.
A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like it’s possible to get free car insurance, you’re out of luck.
To see a list of providers who offer auto insurance discounts, click here.
When buying coverage, there really is not a cookie cutter policy. Every situation is different and your policy should reflect that. Here are some questions about coverages that can help discover if you might need an agent’s assistance.
If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.
Having a good grasp of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.
This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things like damage from getting keyed, vandalism, falling objects and rock chips in glass. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
This provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Acura RDX.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Collision insurance will pay to fix damage to your RDX from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as backing into a parked car, sideswiping another vehicle, crashing into a building and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.
Medical payments and Personal Injury Protection insurance kick in for bills like surgery, nursing services and pain medications. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage
This will cover damage or injury you incur to a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for claims like attorney fees, repair costs for stationary objects, structural damage, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.
We just showed you some good ideas how you can get a better price on 2012 Acura RDX insurance. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may even discover the best price on insurance is with the smaller companies. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.
Cheap insurance can be purchased from both online companies in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies do not provide online price quotes and these small, regional companies work with independent agents.