2023 Acura RDX Insurance Rates in 2024 – 7 Tricks for Best Quotes

Want the cheapest car insurance rates for your Acura RDX? Cutting costs on Driverscar insurance can be kind of frustrating for drivers who are new to comparison shopping online. With literally dozens of insurance companies available, it can turn into a ton of work to compare coverage rates.

You should take the time to price shop coverage every six months since prices change regularly. Just because you found the best rates for RDX coverage a couple years back other companies may now be cheaper. Forget all the misinformation about car insurance because we’re going to demonstrate the best way to find great coverage at a great price.

Where can I get affordable insurance?

To find inexpensive insurance quotes, there are several ways to compare quotes from all the different companies. The best way to find affordable 2023 Acura RDX insurance rates is to jump online and get quotes. This is quite simple and can be completed in just a few minutes using one of these methods.

• One of the simplest ways to compare a lot of rates at once is to use a rate comparison form. This method keeps you from doing separate quote forms for each price estimate. Just one form gets you coverage quotes from multiple companies. This is perfect if you don’t have a lot of time.
• A more difficult way to compare rate quotes is to take the time to go to the website for every company you want to compare and go through the quote process again. For example, we’ll assume you want rates from Progressive, GEICO and Farmers. In order to compare rates, you need to spend time on each company’s site to enter the same coverage data repeatedly, which can get old fast.
• The last method to find cheaper rates is physically going to and from local insurance agencies. Doing it all online has reduced the need for local agents unless you’re the type of person who wants the trained guidance that only a licensed agent can provide. Although you can price shop online and get advice from an agent in your area.

The approach you take is up to you, just double check that you are using apples-to-apples information for each price quote. If your comparisons have different deductibles you will not be able to make a fair rate comparison. Having just a slight variation in insurance coverages or limits may result in large price differences. It’s important to know that quoting more provides better odds of finding a lower rate. Some smaller insurers to not give online quotes, so it’s important to also get price quotes from those companies as well.

Advertising myths

Popular car insurance providers such as State Farm, Allstate and GEICO endlessly run television and radio advertisements. They all seem to make the point that people will save if you move your car insurance policy to them. How does each company charge you less for auto insurance? This is the trick they use.

Most companies have specific guidelines for a prospective insured that earns them a profit. For example, this type of insured may need to be a married male, has a clear driving record, and has great credit. Any customer who meets those qualifications may get the lowest prices and will also save when they switch companies.

Consumers who are not a match for this ideal profile may receive higher prices which results in the customer buying from a different company. The wording the ads use say “people who switch” not “everybody who quotes” save that much money. This is how companies can truthfully advertise the way they do. Because of the profiling, you should compare free insurance quotes often. It’s just not possible to know which company will have the best rates.

Seven discounts for cheaper insurance quotes

Buying insurance is not cheap, but you might already qualify for some discounts to help offset the cost. A few discounts will be applied at the time you complete a quote, but occasionally some discounts must be specifically requested prior to receiving the credit.

• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance.
• Active Military Service – Having a family member in the military could be rewarded with lower rates.
• Accident Forgiveness Coverage – Not really a discount, but certain companies will let one accident slide before your rates go up if you have no claims before the accident.
• Save with a New Car – Buying a new car model can cost up to 25% less since new vehicles are generally safer.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it will make them better drivers and lower rates.
• Save with More Vehicles Insured – Buying a policy with multiple cars or trucks on a single policy can get a discount for every vehicle.
• Organization Discounts – Participating in a qualifying organization could earn you a nice discount on your next renewal.

One thing to note about discounts is that some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like you could get a free insurance policy, that’s just not realistic.

A list of companies and a summarized list of policyholder discounts are:

• Progressive offers discounts for continuous coverage, online signing, online quote discount, good student, and homeowner.
• Farmers Insurance discounts include multi-car, business and professional, mature driver, electronic funds transfer, and youthful driver.
• Farm Bureau offers premium reductions for driver training, good student, renewal discount, safe driver, multi-vehicle, and youthful driver.
• State Farm may include discounts for multiple autos, multiple policy, good student, passive restraint, driver’s education, and good driver.
• GEICO has discounts for membership and employees, defensive driver, multi-policy, anti-lock brakes, military active duty, seat belt use, and daytime running lights.
• SAFECO policyholders can earn discounts including teen safe driver, anti-lock brakes, anti-theft, teen safety rewards, and bundle discounts.
• Liberty Mutual offers discounts including new vehicle discount, hybrid vehicle, teen driver discount, new graduate, and newly married.

If you are trying to find the cheapest insurance quotes, ask each company to apply every possible discount. Some discounts might not be available to policyholders in your area. To view companies that offer some of these discounts, enter your zip code here.

You may need specialized insurance coverage

When choosing proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions could help you determine if your insurance needs would benefit from professional advice.

• I have health insurance so do I need medical payments coverage?
• Can I afford to buy a different vehicle if my 2023 Acura RDX is totaled?
• Does insurance cover damages from a DUI accident?
• Which is better, split liability limits or combined limits?
• Do I have coverage if my license is suspended?
• Am I covered if I hit my neighbor’s mailbox?
• When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, fill out your zip code.

Insurance policy coverages for a 2023 Acura RDX

Understanding the coverages of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like vandalism, falling objects and damage from flooding. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage covers damage to your RDX caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a ditch, driving through your garage door, sustaining damage from a pot hole, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

UM/UIM Coverage

This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2023 Acura RDX.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses such as doctor visits, hospital visits, prosthetic devices, X-ray expenses and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Auto liability insurance

This will cover damage that occurs to people or other property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like medical services, bail bonds and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

A tidy conclusion

We just covered a lot of information how to compare 2023 Acura RDX insurance premium rates online. The key thing to remember is the more times you quote, the better likelihood of getting cheaper insurance. You may even discover the lowest priced auto insurance comes from a lesser-known regional company.

Insureds switch companies for any number of reasons including being labeled a high risk driver, extreme rates for teen drivers, policy cancellation or poor customer service. Regardless of your reason for switching companies, choosing a new insurance company is not as difficult as it may seem.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are many occasions where someone dropped full coverage only to regret they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.