2020 Acura RDX Insurance Quotes in 2024 – 5 Tips for Best Rates

Looking for the cheapest car insurance rates? Shoppers have many options when shopping for low-cost Acura RDX insurance. They can either spend hours struggling with agents getting price quotes or utilize the internet to get rate quotes. There are more efficient ways to buy car insurance and we’ll show you the best way to price shop coverage for a Acura and obtain the lowest price from both online companies and local agents.

Choosing the best insurance company for you is quite easy. If you have car insurance now, you should be able to cut costs considerably using these methods. Drivers just need to know the proper way to shop for insurance coverage on the web.

Insurance coverage discounts are available to slash your rates

Some insurers don’t always list the entire discount list in an easy-to-find place, so the below list has both the well known as well as the least known discounts that may be available.

• Military Deployment Discount – Having a family member in the military could mean lower premium rates.
• Telematics Data – Drivers who agree to allow their insurance company to analyze their driving habits through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if their driving habits are good.
• Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will qualify for a discount on a auto insurance quote.
• Discounts for Safe Drivers – Accident-free drivers can save as much as half off their rates on RDX coverage than their less cautious counterparts.
• One Accident Forgiven – This isn’t a discount exactly, but companies like Allstate and GEICO will forgive one accident without raising rates with the catch being you have to be claim-free prior to the accident.

As is typical with insurance, some of the credits will not apply to the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way.

A list of companies and the discounts they provide are shown below.

• State Farm offers discounts for multiple autos, Steer Clear safe driver discount, good driver, student away at school, and driver’s education.
• Nationwide has discounts for multi-policy, family plan, defensive driving, anti-theft, Farm Bureau membership, and easy pay.
• GEICO may have discounts that include membership and employees, multi-policy, anti-theft, emergency military deployment, and anti-lock brakes.
• AAA offers discounts including education and occupation, pay-in-full, good student, multi-car, good driver, multi-policy, and AAA membership discount.
• 21st Century policyholders can earn discounts including teen driver, student driver, driver training, theft prevention, anti-lock brakes, homeowners, and good student.
• The Hartford has savings for good student, vehicle fuel type, bundle, driver training, air bag, anti-theft, and defensive driver.

It’s a good idea to ask all the companies how you can save money. All car insurance discounts may not be available in your area. To find companies who offer free insurance coverage quotes, enter your zip code here.

Compare car insurance rate quotes

Most major insurance companies such as 21st Century, Allstate and State Farm allow consumers to get coverage price quotes on their websites. Obtaining pricing is very simple because it’s just a matter of typing in your required coverages into a form. After the form is submitted, their system sends out for your driving and credit reports and returns a price quote.

Quoting online makes comparing rates easy, but the process of having to visit multiple sites and type in the same information is a waste of time. But it’s also necessary to compare as many rates as possible if you want to get better car insurance pricing.

The easiest way to find better car insurance pricing uses one simple form that gets price quotes from a bunch of companies at once. This type of form saves time, requires less work, and makes rate comparisons much easier. As soon as you send your information, your coverage is rated and you can choose any of the pricing results. If you find a better price you simply finish the application and buy the new coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

To find out how much you can save on car insurance, simply enter your zip code here and begin entering your coverage information. To compare your current rates, we recommend you input exactly as shown on your declarations page. This guarantees you will receive a price comparison based on identical coverages.

Everyone needs different auto insurance coverages

When it comes to choosing the best auto insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different.

For instance, these questions may help you determine whether you might need an agent’s assistance.

• Is my nanny covered when driving my vehicle?
• What is an SR-22 filing?
• What is high-risk coverage and where do I buy it?
• Can I get a multi-policy discount?
• Do I have coverage when making deliveries for my home business?
• What is PIP insurance?
• Do I need added coverage for expensive stereo equipment?
• Should I waive the damage coverage when renting a car?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverages available on your policy

Learning about specific coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like surgery, funeral costs, hospital visits, nursing services and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from a tornado or hurricane, fire damage, hitting a deer, a tree branch falling on your vehicle and damage from flooding. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

Collision coverage will pay to fix damage to your RDX caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, scraping a guard rail, hitting a parking meter, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Coverage for liability

Liability coverage will cover damage that occurs to other’s property or people in an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability insurance covers things such as medical expenses, legal defense fees, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Acura RDX.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Cheaper insurance is a realistic goal

You just learned a lot of information how to save on 2020 Acura RDX insurance. It’s most important to understand that the more times you quote, the better likelihood of getting cheap auto insurance. You may even discover the best price on insurance coverage is with an unexpected company.

Drivers leave their current company for a variety of reasons including not issuing a premium refund, high rates after DUI convictions, unfair underwriting practices or even poor customer service. It doesn’t matter what your reason, switching insurance coverage companies can be less work than you think.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. Too many times, someone sacrificed collision coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at an affordable rate while still protecting your assets.