2015 Acura RLX Insurance Quotes 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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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Trying to find lower insurance coverage rates for your Acura RLX? Wish you could get out of an expensive insurance coverage policy? You’re in good company because many drivers have buyer’s remorse.

With people having so many insurance providers from which to choose, it is hard for the average consumer to pick the most cost effective insurer.

Buying car insurance is not rocket science. If you have car insurance now, you should be able to save some money using this strategy. Although drivers do need to understand how big insurance companies sell online and apply this information to your search.

Quote insurance online

There are a lot of ways to shop for insurance, but some are less time-consuming than others. You could spend your day talking to insurance companies in your area, or you can utilize the internet to get pricing more quickly.

Most of the best insurance companies participate in a marketplace where insurance shoppers enter their policy data once, and each company can provide price quotes based on that information. This prevents consumers from doing form submissions to each individual insurance company.

To compare rates using this form now enter your zip code here.

The only downside to using this type of form is that consumers can’t choose which insurance companies to get quotes from. If you prefer to choose specific providers to compare rates, we put together a list of the cheapest insurance companies in your area. Click to enter zip code.

How you compare quotes is your choice, just be sure you’re using the exact same quote data for each comparison quote. If the quotes have different coverage information it will be impossible to determine which rate is truly the best. Slightly different coverages could skew the results. Keep in mind that having more price comparisons will enable you to find more affordable rates. Not every company provides price estimates online, so it’s recommended that you also compare quotes from them, too.

Find discounts on car insurance

Companies that sell car insurance don’t always list every discount available very well, so the list below gives a summary of a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance coverage online.

  • ABS and Traction Control Discounts – Cars with ABS and/or traction control can reduce accidents and will save you 10% or more.
  • Distant College Student Discount – Youth drivers who attend college more than 100 miles from home and don’t have a car may qualify for this discount.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Responsible Drivers – Drivers without accidents could pay up to 40% less for RLX coverage than less cautious drivers.
  • Save with a New Car – Buying insurance on a new vehicle is cheaper because new model year vehicles have to meet stringent safety requirements.

Keep in mind that some credits don’t apply to the whole policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think it’s possible to get free car insurance, it doesn’t quite work that way.

Car insurance companies that have some of the discounts shown above may include but are not limited to:

  • Mercury Insurance
  • Farmers Insurance
  • Auto-Owners Insurance
  • Liberty Mutual
  • Progressive
  • USAA

If you are trying to find inexpensive insurance coverage quotes, ask every company what discounts are available to you. Depending on the company, some discounts may not be offered in every state. If you would like to choose from a list of insurance companies who offer car insurance discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different so this has to be addressed. For instance, these questions can help discover if your insurance needs might need an agent’s assistance.

  • Does having multiple vehicles earn me a discount?
  • When should I remove comp and collision on my 2015 Acura RLX?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is upholstery damage covered by car insurance?
  • Do I need Motor Club coverage?
  • Is a blown tire covered by insurance?
  • What is medical payments coverage?
  • Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and enter your zip code.

What insurance coverages do you need?

Learning about specific coverages of insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.

Collision protection

This coverage pays for damage to your RLX resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as backing into a parked car, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills for EMT expenses, nursing services, doctor visits, X-ray expenses and dental work. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from 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 insurance covers things such as hail damage, damage from getting keyed, theft, damage from a tornado or hurricane and vandalism. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for liability

Liability coverage provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability can pay for things like medical services, repair costs for stationary objects, medical expenses, court costs and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

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