2014 Acura RDX Car Insurance Quotes

Searching for better insurance rates for your Acura RDX? Purchasing the most affordable insurance on the web may be problematic for people who are new to price shopping online. With dozens of online companies available, how can you have a chance to compare every one to find the lowest price?

If you currently have car insurance, you will most likely be able to lower your premiums substantially using these methods. This article will help educate you on how to get online quotes and some tricks to saving. But consumers must learn how companies sell insurance online and take advantage of how the system works.

Do you qualify for discounts?

Car insurance companies do not advertise every available discount in an easy-to-find place, so the following is a list of some of the more common and the more hidden savings tricks you should be using.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Student in College – Kids in college who are attending college and don’t have a car can receive lower rates.
  • Good Student Discount – This discount can earn a discount of 20% or more. The good student discount can last until age 25.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Homeowners Discount – Simply owning a home can save you money because owning a home demonstrates responsibility.
  • Low Mileage Discounts – Fewer annual miles on your Acura could be rewarded with better rates on cars that stay parked.
  • Memberships – Affiliation with a professional or civic organization may earn a discount on your policy on RDX insurance.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Accident Free – Drivers with accident-free driving histories pay much less as compared to frequent claim filers.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.

A little note about advertised discounts, some credits don’t apply the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way.

Car insurance companies that possibly offer some of the above discounts may include but are not limited to:

Before buying, ask each insurance company how you can save money. Savings might not apply in every state.

Acura RDX rates are in the details

It’s important that you understand the rating factors that come into play when calculating the price you pay for insurance coverage. Understanding what influences your rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

The list below includes some of the factors used by your company to calculate your rates.

  • Cautious drivers pay less – A bad driving record has a huge affect on how much you pay. Even one ticket can increase rates twenty percent or more. Good drivers receive lower rates than people who have multiple driving citations. If you have severe violations such as DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
  • Clean credit earns discounts – Having a bad credit score is a huge factor in your rate calculation. If your credit history is lower than you’d like, you could pay less to insure your 2014 Acura RDX by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with poor credit.
  • Occupation reflects on rates – Did you know your occupation can influence how much you pay for insurance coverage? Occupations such as judges, social workers and accountants tend to have higher rates than average due to job stress and lots of time spent at work. On the flip side, occupations such as actors, athletes and performers receive lower rates on RDX insurance.
  • Pay less after the wedding – Having a wife or husband helps lower the price when buying insurance coverage. Marriage usually means you are more responsible and it’s statistically proven that being married results in fewer claims.
  • You might want pay the small claims yourself – If you file claims often, you can expect either policy cancellation or increased premiums. Car insurance companies award lower rates to policyholders who are claim-free. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Discounts for multiple policies – Most companies will give a discount to policyholders who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to compare other company rates to confirm you are receiving the best rates possible.
  • Your location is important – Residing in a small town can be a good thing when talking about insurance coverage. Drivers in populated areas tend to have much more traffic and longer commute times. Lower population means reduced accidents.

Don’t assume everyone needs the same coverage

When it comes to choosing adequate coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions could help you determine whether or not you may require specific advice.

  • When can my company non-renew my policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Are my friends covered when driving my car?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I pay less for low miles?
  • Can my teen driver be rated on a liability-only vehicle?
  • Exactly who is provided coverage by my policy?
  • Are my friends covered when driving my 2014 Acura RDX?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverages

Having a good grasp of car insurance aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like surgery, funeral costs, hospital visits, chiropractic care and nursing services. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage will cover damage or injury you incur to other’s property or people by causing an accident. This insurance 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, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like court costs, structural damage, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is your choice, but you should buy as much as you can afford.

Collision protection

Collision coverage will pay to fix damage to your RDX resulting 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 can pay for things like scraping a guard rail, crashing into a building, rolling your car, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, hail damage, a broken windshield and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Shop Smart and Save

Cost effective 2014 Acura RDX insurance is possible online in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

We just presented a lot of information how to lower your insurance rates. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. You may even discover the best price on auto insurance is with some of the smallest insurance companies.

Insureds leave their current company for a variety of reasons including not issuing a premium refund, lack of trust in their agent, unfair underwriting practices and questionable increases in premium. It doesn’t matter what your reason, choosing a new company can be easier than you think.

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