Lower Your 2015 Acura RLX Insurance Quotes

Looking for cheaper insurance rates for your Acura RLX? No one in their right mind looks forward to paying for insurance, especially when the cost is too high. Companies like Allstate, Liberty Mutual and State Farm promote their brand names with TV and radio ads and it can be hard to see past the corporate glitz and do the work needed to find the best deal.

Smart consumers take time to compare rates yearly since rates are usually higher with each renewal. If you had the lowest rates for RLX insurance two years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the fastest and easiest way to reduce your cost while improving coverage.

If you have a current auto insurance policy or need new coverage, you can use these techniques to reduce the price you pay while maximizing coverage. Finding the best rates is not rocket science. Drivers just need to know how to get comparison rates online.

Comprehensive Insurance Coverage Comparison Quotes

There are a lot of ways to compare insurance coverage quotes, but one way is less labor-intensive and much quicker. You can waste a few hours (or days) driving to local insurance agents in your area, or you can utilize online quoting to accomplish the same thing much quicker.

All the larger companies belong to a marketplace where prospective buyers only type in their quote data once, and each company returns a competitive quote based on the submitted data. This saves time by eliminating repetitive form submissions to every company.

To submit your quote information now, click here (opens in new window).

The one downside to pricing coverage this way is you are unable to specify which carriers to get pricing from. So if you want to choose specific insurance companies for rate comparison, we have assembled a list of the cheapest insurance coverage companies in your area. View list of insurance companies.

Whichever method you choose, double check that you are using exactly the same coverages and limits on every quote. If the quotes have different limits and deductibles on each one it’s impossible to determine which rate is truly the best.

Save money by taking advantage of these discounts

Auto insurance companies don’t always list all available discounts in an easy-to-find place, so we break down both well-publicized and the more hidden ways to save on insurance. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Bundle and Save – When you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • No Claims – Drivers who don’t have accidents can earn big discounts when compared to bad drivers.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to your current policy expiring. The savings is around 10%.
  • Senior Discount – If you qualify as a senior citizen, you may receive a discount up to 10% for RLX insurance.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.

Drivers should understand that most credits do not apply to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way.

Car insurance companies that may have some of the above discounts include:

Check with every prospective company which discounts you may be entitled to. Discounts might not be offered in every state.

Your Acura RLX insurance rate is a complex equation

It’s important that you understand the rating factors that go into determining your car insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get better car insurance rates.

Listed below are a partial list of the pieces companies use to determine your rates.

  • Younger drivers pay higher rates – Young drivers are statistically proven to be careless and easily distracted when behind the wheel so they pay higher car insurance rates. Older insureds are more cautious drivers, statistically cause fewer accidents and get fewer tickets.
  • Discounts for married couples – Getting married can actually save you money on car insurance. It usually means you are more mature than a single person and it’s statistically proven that being married results in fewer claims.
  • Pleasure use or commuting – The higher the mileage driven every year the higher your rates will be. Most companies rate vehicles based on how the vehicle is used. Autos used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Having the wrong rating on your RLX can cost quite a bit. Double check that your car insurance declarations sheet is showing the correct usage for each vehicle.
  • Better credit scores mean better rates – Having a bad credit score is a important factor in determining your rates. People with high credit ratings tend to be more responsible as compared to drivers with poor credit. If your credit rating is low, you could potentially save money when insuring your 2015 Acura RLX by improving your rating.
  • Do you have a high stress job? – Occupations like doctors, business owners and stock brokers are shown to have the highest rates due to stressful work requirements and lots of time spent at work. On the other hand, professions such as actors, students and retirees pay the least for RLX insurance.
  • Where you reside plays a part – Living in small towns and rural areas is a positive aspect when talking about car insurance. Urban drivers regularly have more traffic problems and a longer drive to work. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.
  • A clean driving record saves money – Your driving citation history has a huge affect on how much you pay. Careful drivers receive lower rates compared to drivers with tickets. Even one citation can boost insurance rates by twenty percent. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state motor vehicle department in order to keep their license.
  • Extra add-on coverages are wasting money – There are a ton of additional coverages that you can buy if you aren’t careful. Things like vanishing deductibles, towing coverage and term life insurance are examples of these. They may seem good initially, but if they’re wasting money remove them from your policy.

When should I use an insurance agent?

When choosing adequate coverage for your personal vehicles, there really is no cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Can I get a multi-policy discount?
  • Am I covered when driving someone else’s vehicle?
  • Should I buy full coverage?
  • What is the difference between comprehensive and collision coverage?
  • What is PIP insurance?
  • How can I get high-risk coverage after a DUI?
  • Which companies will insure high-risk drivers?
  • Why do I only qualify for high-risk insurance?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Auto insurance coverages 101

Learning about specific coverages of auto insurance can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from auto insurance companies.

Liability insurance

This can cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like structural damage, medical expenses and funeral expenses. How much coverage you buy is your choice, but buy as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from getting keyed, vandalism, hail damage and theft. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision protection

This pays for damage to your RLX resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sideswiping another vehicle, hitting a mailbox, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

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

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses such as X-ray expenses, ambulance fees, prosthetic devices and funeral costs. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Don’t throw your cash in the trash

When trying to cut insurance costs, never reduce coverage to reduce premium. In many instances, an accident victim reduced liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Cost effective 2015 Acura RLX insurance can be bought from both online companies and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

Much more information about car insurance is located at these links: