Save on 2016 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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Trying to find better insurance coverage rates for your Acura RDX? Searching for better insurance prices for your Acura RDX could be a lot of work, but you can learn these tips to save time.

There are more efficient ways to buy insurance coverage so we’re going to tell you the proper way to get price quotes for a Acura and find the cheapest rates from both online companies and local agents.

Don’t overlook these car insurance discounts

Car insurance companies do not list every discount very clearly, so the next list breaks down some of the best known and the harder-to-find credits available to bring down your rates.

  • Smart Student Discounts – A discount for being a good student could provide a savings of up to 20% or more. The good student discount can last until age 25.
  • Discounts for Good Drivers – Drivers who avoid accidents may receive a discount up to 45% for RDX insurance compared to accident prone drivers.
  • Safety Restraint Discount – Drivers who require all occupants to wear their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Theft Prevention Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Defensive Driver Discount – Taking time to complete a class that teaches defensive driving techniques can save you 5% or more and make you a better driver.
  • Drivers Education – It’s a good idea to have your young drivers successfully take a drivers education course in school.
  • College Student Discount – Older children living away from home attending college and do not have access to a covered vehicle could get you a discount.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of more than 20%.

As a sidenote, most discounts do not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. So when the math indicates you could get a free car insurance policy, insurance companies wouldn’t stay in business.

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

  • State Farm
  • Esurance
  • Progressive
  • Liberty Mutual
  • Auto-Owners Insurance

Check with every insurance company which discounts you qualify for. Some of the discounts discussed earlier might not be offered on policies in your area. For a list of car insurance companies that offer discounts, enter your zip code here.

Low cost insurance rate quotes

Performing a rate comparison can be challenging if you aren’t aware of the easiest way. You can waste a few hours (or days) talking to insurance companies in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

Many popular insurance companies belong to a marketplace where insurance shoppers submit one quote, and at least one company provides a quote for coverage. This eliminates the need for quote requests for each company.

To compare rates now enter your zip code here.

One minor caveat to using this type of system is you can’t choose the insurers you want pricing from. If you prefer to choose specific insurance companies to request quotes from, we have assembled a list of companies who write insurance in your area. Click to enter zip code for insurance companies.

You can choose any of those ways to find more affordable coverage, but try to keep nearly identical coverage information on every quote. If you compare unequal deductibles or liability limits you will not be able to get a fair rate comparison.

Learn how to lower your insurance costs

Lots of things are used when pricing auto insurance. Some of the criteria are obvious like your driving record, although others are not as apparent like where you live or your financial responsibility.

The itemized list below are just a few of the factors utilized by car insurance companies to help set your rate level.

  • Prices impacted by your city – Residing in a small town is a positive aspect when trying to find low car insurance rates. Drivers who live in large cities have congested traffic and higher rates of accident claims. Fewer drivers on the road means a lower chance of having an accident and a lower car theft rate.
  • Policy add-ons can waste money – There are a ton of additional coverages that can waste your money if you don’t pay attention. Things like roadside assistance, death and dismemberment, and extra life insurance coverage may be costing you every month. These may sound like a good investment at first, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • Don’t let your coverage lapse – Driving your car without having proper coverage is illegal and your next policy will cost more because you let your coverage have a gap. Not only will you pay higher rates, not being able to provide proof of insurance might get you a license revocation or jail time.
  • Careless drivers pay higher prices – A bad driving record impacts your car insurance rates tremendously. Getting just one driving citation could increase your next policy renewal substantially. Attentive drivers receive lower rates than their less careful counterparts. Drivers who have multiple violations such as reckless driving or DUI might be required by their state to maintain a SR-22 with their state in order to legally drive a vehicle.
  • Drive less and save – The higher the mileage driven in a year’s time the more you’ll pay to insure it. A lot of companies charge rates based upon how much you drive. Autos that have low annual miles can get a lower rate than vehicles that are driven to work every day. An improperly rated RDX is throwing money out the window. It’s a smart idea to ensure your declarations sheet is rated on the right rating data.
  • Companies want multiple policies – Most major insurers afford a discount to policyholders who buy several policies from them. It’s known as a multi-policy discount. Even with this discount applied, it’s in your best interest to compare other insurance prices to help guarantee you have the best rates.
  • Comp and collision deductibles are a factor – Protection for physical damage, also called ‘full coverage’, covers your vehicle from damage. Some examples of claims that would be covered are a broken side mirror, hitting a deer, and burglary. Your deductibles represent how much money you are willing to pay if you file a covered claim. The more of the claim the insured is willing to pay, the less money you will pay for auto insurance for RDX insurance.

When to get professional advice

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • Why am I required to buy liability insurance?
  • Do I need more liability coverage?
  • How much can I save by bundling my policies?
  • When should I remove comp and collision on my 2016 Acura RDX?
  • Does my insurance cover a custom paint job?
  • Should I put collision coverage on all my vehicles?
  • What vehicles should carry emergency assistance coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I really need UM/UIM coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code. It only takes a few minutes and may give you better protection.

The coverage is in the details

Understanding the coverages of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverages – This coverage covers damage to your RDX caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, driving through your garage door, colliding with a tree, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Liability car insurance – This provides protection from damage or injury you incur to other people or property in an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like legal defense fees, bail bonds and structural damage. How much coverage you buy is your choice, but consider buying higher limits if possible.

Uninsured or underinsured coverage – This coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Comprehensive protection – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a broken windshield, damage from a tornado or hurricane, hitting a bird, fire damage and theft. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses like chiropractic care, surgery, EMT expenses and nursing services. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

More quotes. Lower rates.

Insureds change insurance companies for a number of reasons such as extreme rates for teen drivers, high prices, being labeled a high risk driver or delays in paying claims. It doesn’t matter why you want to switch finding a new auto insurance company is actually quite simple.

When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where an insured dropped uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at a price you can afford while still protecting your assets.

Budget-friendly auto insurance can be found online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies do not offer internet price quotes and usually these regional insurance providers work with independent agents.

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