2015 Acura RDX Insurance Cost in 2024

Want cheaper car insurance rates for your Acura RDX? If shopping for car insurance quotes online is new to you, you may be baffled by the diversity of insurance providers all claiming to save you money.

Lower your insurance costs

Lots of factors are part of the calculation when you get a price on insurance. A few of the factors are predictable like your driving record, but others are less obvious such as your marital status or how financially stable you are.

• Long commutes cost more – Driving more miles each year the higher your rate. A lot of insurance companies charge rates partially by how you use the vehicle. Vehicles that are left in the garage receive lower rates than cars that get driven a lot. An incorrectly rated RDX is throwing money out the window. Make sure your insurance coverage coverage is showing the correct usage.
• Marriage is a factor – Having a wife or husband can get you a discount when shopping for insurance coverage. Having a significant other demonstrates that you tend to be more responsible and statistics show drivers who are married are more cautious.
• Teen drivers pay more – Drivers with little experience have a tendency to be careless and easily distracted when at the wheel of a vehicle and because of this, their insurance coverage rates are much higher. Parents adding a youthful driver onto your insurance coverage can cause a big jump in price. More mature drivers are more cautious drivers, cause fewer claims and accidents , and usually have better credit.
• High deductibles save money – Comprehensive and collision coverage deductibles represent how much money you are required to pay if you file a covered claim. Insurance for physical damage to your car, also called ‘full coverage’, protects your car from damage. Some examples of claims that would be covered are a windshield broken by a bird, collision with a deer, and damage from wind. The more expense you pay before a claim is paid (deductible), the better rate you will receive for RDX insurance.

The cheapest insurance rate quotes online

There are several ways to shop for insurance, but there is one way that is less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Most major companies are enrolled in a marketplace that enables customers to submit their information once, and each participating company then gives them pricing determined by their information. This saves time by eliminating quote forms for each company you want a rate for. To fill out one form to compare multiple rates now enter your zip code here.

One minor caveat to using this type of system is you cannot specify which companies you will receive quotes from. If you would rather choose specific providers to compare prices, we put together a list of insurance companies in your area. Click to enter zip code.

Whichever method you choose, make darn sure you compare apples-to-apples coverage limits on every quote you get. If you compare differing limits it will be very difficult to determine which rate is truly the best. Slightly different insurance coverages may result in a large different in cost. Just keep in mind that comparing more quotes will increase your chances of finding a lower rate. Some regional insurers cannot provide prices over the internet, so you should also compare price estimates from them as well.

Beware of misleading car insurance ads

Big name companies like 21st Century, Allstate and State Farm consistently run ads in print and on television. All the companies make the same claim that drivers can save some big amount if you get a free car insurance quote and switch your coverage to them. That’s great but how can every company sell you cheaper insurance coverage? Just pay attention to how they say it.

Car insurance companies quote their cheapest rates for the type of customer that will generate a profit. A good example of this type of driver could be between the ages of 30 and 50, has never had a claim, and drives less than 7,500 miles a year. Anyone who matches that profile will get low prices and therefore will save quite a bit of money when switching.

Potential insureds who are not a match for those criteria will probably be forced to pay more expensive rates and ends up with the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers that switch” but not “everyone who gets a quote” will save that much if they switch. That’s the way insurance companies can confidently make claims like that. This illustrates why you absolutely need to quote coverage with many companies. It’s just not possible to know with any certainty which company will have the lowest rate quotes.

Get cheap rates by taking advantage of discounts

Insurance coverage is not an enjoyable expense, but you might already qualify for some discounts to help offset the cost. Larger premium reductions will be automatically applied at quote time, but some need to be asked about in order for you to get them.

• Policy Bundle Discount – If you can bundle your homeowners and auto insurance with the same company you could save over 10 percent off each policy depending on the company.
• Paperless Signup – A handful of insurance coverage companies will discount your bill up to fifty bucks for buying a policy and signing up on your computer.
• Driver’s Education for Students – Teen drivers should take driver’s ed class as it will make them better drivers and lower rates.
• Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.
• Claim Free – Drivers who stay claim-free pay much less when compared to policyholders that have many claims.
• Passive Restraints – Vehicles equipped with air bags may earn rate discounts of up to 25% or more.
• Anti-lock Brake System – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.

Just know that some credits don’t apply to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, nobody gets a free ride. Any amount of discount should definitely cut the premium cost.

To see insurance coverage companies with discount insurance coverage rates, enter your zip code here.

How much auto insurance do I need?

When buying proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique.

For example, these questions might help in determining whether you would benefit from an agent’s advice.

• Does coverage extend to Mexico or Canada?
• Do I need roadside assistance coverage?
• When should I remove comp and collision on my 2015 Acura RDX?
• Does my car insurance cover rental cars?
• Is my business laptop covered if it gets stolen from my vehicle?
• Do I benefit by insuring my home with the same company?
• Am I covered if I crash into my own garage door?
• I don’t drive much so do I pay less?
• When should I buy a commercial auto policy?
• Will my insurance pay for OEM parts?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete your zip code.

Specifics of your insurance policy

Understanding the coverages of your policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a building, hitting a parking meter, colliding with another moving vehicle, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like court costs, bail bonds, medical expenses, loss of income and attorney fees. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a tree branch falling on your vehicle, damage from a tornado or hurricane, falling objects and rock chips in glass. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses such as chiropractic care, prosthetic devices, surgery and doctor visits. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

One last thing

Insureds who switch companies do it for a number of reasons such as lack of trust in their agent, high prices, delays in responding to claim requests and not issuing a premium refund. Regardless of your reason, switching companies is less work than it seems.

Cheaper car insurance is possible both online as well as from insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide online price quotes and usually these regional carriers provide coverage only through independent agents.

In this article, we covered a lot of techniques to save on 2015 Acura RDX insurance. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the most savings is with a lesser-known regional company.