Cheap 2010 Acura RDX Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 22, 2024

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Nobody looks forward to paying for car insurance, especially when they are aware that their premiums are too high. Companies like Progressive, State Farm and GEICO persistently shower you with TV and radio ads and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.

If you have a current insurance policy or are just looking to switch companies, you can use these tips to cut your premiums and possibly find even better coverage. Finding the best rates is quite easy. Drivers only need to know the most efficient way to compare price quotes online.

Quote insurance coverage online

All the larger insurance coverage companies allow you to get pricing online. Doing online quotes can be done by anyone because it’s just a matter of typing in your coverage preferences into the quote form. Once entered, the company’s rating system orders information on your driving record and credit history and returns pricing information based on these and other factors. This makes comparing rates easy, but having to visit different websites and type in your information is a big time waster. But it is imperative to have as many quotes as possible in order to get better prices.

A less time-consuming method to compare insurance coverage pricing uses just one form to return rates from more than one company. This type of form saves time, requires less work, and makes comparison shopping much more enjoyable. After sending the form, your coverage is rated with multiple companies and you can pick any or none of the returned quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The whole process only takes a few minutes and may result in a nice savings.

To compare rates now, simply enter your zip code here and input your coverage information. If you have coverage now, it’s recommended you enter the coverages as shown on your current policy. Doing this assures you are getting rate comparison quotes for the exact same coverage.

These discounts can reduce insurance rates

Companies don’t list all discounts in a way that’s easy to find, so the below list has some of the best known as well as some of the hidden ways to save on insurance. If you are not receiving all the discounts possible, you’re just leaving money on the table.

  • No Accidents – Good drivers with no accidents can earn big discounts as opposed to frequent claim filers.
  • Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off on RDX insurance but check with your company.
  • Discounts for Multiple Vehicles – Buying a policy with several vehicles on one policy can reduce the rates for all insured vehicles.
  • Life Insurance Discount – If the company offers life insurance, you could get a break if you buy some life insurance too.
  • Renewal Discounts – Some companies reward drivers for signing up prior to your current policy expiring. The savings is around 10%.
  • Telematics Data – People who choose to allow driving data submission to track when and where they use their vehicle by using a telematics device such as Progressive’s Snapshot may get a rate reduction if they show good driving skills.
  • Distant Student – Any of your kids who are enrolled in higher education away from home and don’t have a car could qualify for this discount.

While discounts sound great, it’s important to understand that most discounts do not apply to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. So even though you would think all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will positively reduce your overall bill.

The best insurance companies and some of their more popular discounts can be read below.

  • GEICO offers premium reductions for air bags, membership and employees, multi-vehicle, anti-lock brakes, good student, seat belt use, and emergency military deployment.
  • MetLife may have discounts that include claim-free, good student, defensive driver, good driver, accident-free, multi-policy
  • Progressive may include discounts for online quote discount, online signing, multi-vehicle, good student, continuous coverage, and multi-policy.
  • Travelers offers discounts for new car, student away at school, hybrid/electric vehicle, home ownership, multi-car, and payment discounts.
  • SAFECO offers discounts including accident prevention training, homeowner, anti-lock brakes, teen safety rewards, anti-theft, teen safe driver, and drive less.
  • AAA has discounts for pay-in-full, anti-theft, good driver, multi-policy, good student, AAA membership discount, and multi-car.

When getting free car insurance quotes, it’s a good idea to every insurance company which credits you are entitled to. Some of the earlier mentioned discounts may not be offered in your area. To see insurers that provide some of the discounts listed above, enter your zip code here.

Find more affordable insurance with these tips

A large part of saving on insurance is knowing the rating factors that are used to determine insurance rates. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower insurance prices.

The following are some of the things used by companies to determine your premiums.

  • How much liability coverage – Liability insurance will protect you when you are responsible for personal injury or accident damage. Your policy’s liability insurance provides legal defense to defend your case. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Never let your coverage expire – Not having insurance can get you a ticket and your next policy will cost more because you let your insurance expire. In addition to paying higher rates, not being able to provide proof of insurance will get you fines or a revoked license.
  • How many coverages with the same company – The majority of companies allow discounts to policyholders who buy several policies from them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even with this discount, it’s always a smart idea to comparison shop to help guarantee you have the best rates.
  • Does your employer cost you more? – Occupations like lawyers, social workers and dentists generally pay higher average rates because of intense work situations and long work hours. Conversely, jobs such as farmers, engineers and performers generally pay rates lower than average on RDX insurance.
  • Vehicles with better crash test results lower insurance rates – Safer cars cost less to insure. Vehicles built for safety help reduce the chance of injuries in an accident and fewer serious injuries means less claims paid passed on to you as lower rates.
  • Extra coverages you don’t use – Insurance policies have a lot of add-on coverages you can purchase if you aren’t careful. Insurance for rental car coverage, better glass coverage, and additional equipment coverage may not be needed and are just wasting money. They may seem good at first, but if you have no use for them think about removing them and cutting costs.
  • Your gender affects premiums – Statistics demonstrate that females tend to be a little less risky than males. However, don’t assume that females are better drivers. Females and males cause auto accidents at about the same rate, but males get into accidents with more damage. Not only that, but men also get ticketed for serious violations like DWI (DUI) or reckless driving. Teenage male drivers are several times more likely to be in an accident and thus pay the highest rates.

When do I need an agent’s advice?

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.

  • When should I drop full coverage on my 2010 Acura RDX?
  • Is other people’s property covered if stolen from my vehicle?
  • What happens if I owe more than my 2010 Acura RDX is worth?
  • Do I need roadside assistance coverage?
  • Is my 2010 Acura RDX covered for smoke damage?
  • Does my policy pay for OEM or aftermarket parts?
  • Is there coverage for injuries to my pets?
  • Are rock chip repairs covered?
  • How can I get my company to pay me more for my totalled car?
  • Do I get a pro-rated refund if I cancel my policy early?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, fill out your zip code. It is quick, free and you can get the answers you need.

Well known brands might not be cheapest

Consumers can’t get away from ads that promise big savings by companies like Progressive, GEICO, Allstate and State Farm. They all seem to advertise the message of big savings if you switch your policy.

It sounds good, but how can they all make almost identical claims? This is how they do it.

All companies offer their best rates for the type of driver that will add to their bottom line. A good example of a preferred risk may be over the age of 45, has a clear driving record, and has great credit. A customer that meets those criteria gets the lowest premium rates and will save quite a bit of money when switching.

Drivers who fall short of the ideal profile must pay a higher rate which results in the driver buying from a lower-cost company. The trick companies use is to say “drivers who switch” not “all people who quote” save that kind of money. That’s the way insurance companies can make those claims.

This illustrates why drivers must do a rate comparison at every renewal. It’s just too difficult to predict with any certainty which company will have the lowest rate quotes.

Specific coverages for an Acura RDX

Understanding the coverages of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2010 Acura RDX.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are set the same as your liability limits.

Liability car insurance – This coverage will cover damages or injuries you inflict on other people or property in 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 values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as loss of income, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a tree branch falling on your vehicle, theft and damage from a tornado or hurricane. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with another moving vehicle, damaging your car on a curb, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for bills for things like rehabilitation expenses, nursing services and chiropractic care. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Summing up your insurance coverage search

When trying to cut insurance costs, do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

We just showed you some good ideas how you can compare 2010 Acura RDX insurance rates online. The most important thing to understand is the more you quote car insurance, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from some of the smallest insurance companies. Smaller companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as State Farm and Allstate.

A few companies may not provide price quotes online and many times these smaller companies only sell coverage through local independent agencies. Lower-priced 2010 Acura RDX insurance is available from both online companies and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates.

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