Lower Your 2014 Acura RLX Insurance Cost in 2024

Wish you could get out of high-priced car insurance? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their car insurance policy. There is such a variety of auto insurance companies to choose from, and although it’s nice to have multiple companies, lots of choices makes it harder to find the lowest rates.

It’s a great practice to shop coverage around before your policy renews because insurance prices change quite often. Despite the fact that you may have had the best rate for RLX coverage a couple years back you can probably find a better premium rate now. Ignore everything you know about car insurance because we’re going to demonstrate the proper way to find the best coverage while lowering your premiums.

The purpose of this post is to teach you how car insurance quotes work and some money-saving tips. If you currently have car insurance, you should be able to reduce your rates substantially using this strategy. Drivers only need to know the most effective way to shop their coverage around online.

Get cheaper insurance premiums by understanding these factors

It’s important that you understand a few of the rating criteria that help determine car insurance rates. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in lower premium levels. Lots of factors are part of the equation when quoting car insurance. Some are pretty understandable such as your driving record, but other criteria are more obscure like where you live or your commute time.

• Tickets cost more than a fine – Your driving citation history influences premium rates substantially. Good drivers pay lower auto insurance prices compared to drivers with tickets. Having just one chargeable violation can bump up the cost by as much as thirty percent. Drivers who get flagrant violations such as DUI or willful reckless driving might be required by their state to prove financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
• High credit means lower costs – Having a bad credit score can be an important factor in calculating your premium rate. So if your credit history is low, you could pay less to insure your 2014 Acura RLX by spending a little time repairing your credit. People with good credit tend to be better risks to insure than drivers who have worse credit.
• Too many insurance claims drive up car insurance rates – Insurance companies give cheaper rates to insureds who do not file claims often. If you file a lot of claims you can look forward to either higher rates or even cancellation. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• Small coverages can add up – There are a ton of extra bells and whistles that can add up but may not be useful. Insurance for rental car reimbursement, towing, and term life insurance are probably not needed. They may sound like good ideas when you first buy your policy, but your needs may have changed so remove them from your policy.
• No car insurance gaps is important – Not maintaining insurance is a misdemeanor and your next policy will cost more because you let your insurance lapse for non-payment. Not only will rates go up, getting caught without coverage could earn you fines or a revoked license.
• Prevent your car from being stolen – Purchasing a vehicle with advanced anti-theft systems can help lower your premiums. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your vehicle from being stolen.

Finding car insurance

There are multiple methods to compare car insurance prices but one way is less labor-intensive and much quicker. You can waste hours talking to agents in your area, or you could use online quoting to get prices fast.

Many of the larger companies belong to an insurance system where insurance shoppers send in one quote, and at least one company can give them a price based on that information. This system prevents you from having to do repetitive form submissions for each company.

To participate in this free quote system, enter your zip code here.

The only downside to doing it this way is you are unable to specify the insurers to receive prices from. If you prefer to choose individual companies for rate comparison, we have a page of car insurance companies in your area. Click to enter zip code.

Whichever way you choose to compare rates, ensure you are comparing equivalent coverage limits and deductibles for each price quote. If you use higher or lower deductibles you can’t possibly decipher which rate is best.

Do insurance coverage companies bend the truth?

Consumers can’t avoid all the ads that promise big savings from companies such as Allstate and Progressive. They all seem to tend to make the same promise about saving some big amount if you just switch your insurance coverage policy to them.

Is it even possible that every company can say the same thing? Just pay attention to how they say it.

All companies provide the lowest rates for a prospective insured that earns them the highest profit. An example of a preferred risk could possibly be over the age of 40, has other policies, and has excellent credit. Any new insured that hits that “sweet spot” will get a cheap rate quote and therefore will cut their rates substantially.

Consumers who don’t measure up to the ideal profile will probably have to pay higher premiums which results in the customer not buying. The trick is to say “people that switch” not “everybody who quotes” save that much. This is how insurance companies can confidently state the savings.

This really drives home the point why you should compare free car insurance quotes often. Because you never know which insurance coverage company will provide you with the cheapest car insurance rates.

Double check you’re getting these money-saving discounts

Companies don’t always advertise all their discounts very clearly, so the next list breaks down both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates.

• Paper-free Discount – A few larger companies provide a small discount shop car insurance on the internet.
• Government Employee Discount – Employees or retirees of the government may qualify for a discount when you quote car insurance for RLX coverage with select insurance companies.
• Telematics Data Discounts – Drivers that enable their company to look at driving manner remotely like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they exhibit good driving behavior.
• Defensive Driver Discounts – Completing a defensive driving class could possibly earn you a 5% discount and easily pay for the cost of the class.
• Safe Driver Discounts – Drivers without accidents can get discounts for up to 45% lower rates for RLX coverage than drivers with accident claims.
• Discounts for Multiple Vehicles – Buying a policy with all your vehicles with the same company may reduce the rate for each vehicle.
• Military Rewards – Having a deployed family member could trigger a small discount.
• Policy Bundle Discount – When you have multiple policies with one company they may give you a discount of over 10 percent off each policy depending on the company.
• Sign Early and Save – A few insurance companies offer discounts for switching policies before your current policy expires. You may see this discount when you get car insurance quotes online.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most cut individual premiums such as comp or med pay. So even though you would think adding up those discounts means a free policy, that’s just not realistic.

Companies that have some of the above discounts include:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• GEICO
• State Farm

It’s a good idea to ask each company or agent the best way to save money. Some discounts listed above may not apply to policies in your area.

Do I need special coverages?

When it comes to buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different so this has to be addressed. These are some specific questions could help you determine whether your personal situation could use an agent’s help.

• Does my car insurance cover rental cars?
• Why am I required to buy liability insurance?
• Do I need replacement cost coverage on my 2014 Acura RLX?
• What if I don’t agree with a claim settlement offer?
• What is covered by UM/UIM coverage?
• Is my custom paint covered by insurance?
• Am I covered if I hit my neighbor’s mailbox?
• Does my liability insurance cover pulling a trailer or camper?
• How do I insure my teen driver?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, complete your zip code. It is quick, free and may give you better protection.

Coverages available on your insurance policy

Having a good grasp of insurance aids in choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.

Collision coverage

Collision insurance will pay to fix damage to your RLX from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as driving through your garage door, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Liability car insurance

Liability coverage protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair bills for other people’s vehicles, funeral expenses, bail bonds and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like funeral costs, EMT expenses and doctor visits. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Acura RLX.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, vandalism and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Saving money is sweet as honey

We covered a lot of tips how to shop for 2014 Acura RLX insurance online. The key thing to remember is the more you quote car insurance, the better likelihood of getting affordable car insurance. You may be surprised to find that the best rates are with the smaller companies. Smaller companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. In many instances, drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage for the lowest price and still be able to protect your assets.