2016 Acura RLX Insurance Quotes in 2024

Trying to find the cheapest insurance for a new or used Acura RLX could be a painful process, but you can follow a few tricks to find lower rates.

There is a right way and a wrong way to find insurance coverage online and you need to know the quickest way to price shop coverage for a new or used Acura and locate the cheapest rates.

You should make it a habit to shop coverage around before your policy renews because insurance coverage prices are usually higher with each renewal. Even if you got the best rates on RLX coverage last year you can probably find a better premium rate now. You can find a lot of misleading information regarding insurance coverage on the web, but by reading this article, you’re going to learn a bunch of ideas how to lower your insurance coverage bill.

How to shop auto insurance online

Finding a better price on auto insurance is not a difficult process. Consumers just need to take a few minutes comparing rates to see which company has affordable insurance coverage quotes. You can get a good selection of rate quotes in several different ways.

• The best way to compare a lot of rates at once would be an industry-wide quote request form. This quick form eliminates the need for multiple quote forms for every company. One form submission gets coverage cost estimates from all major companies. It’s the fastest way to compare.
• A more time consuming way to analyze rates is to take the time to go to each individual company website and complete a new quote form. For instance, we’ll assume you want to compare Nationwide, State Farm and GMAC. You would need to take the time to go to each site and type in your information over and over, which can get rather old.

It’s up to you which method you use, but try to keep the same coverage limits for each comparison quote. If each company quotes different values for each quote then you won’t be able to find the best deal for your Acura RLX.

Switch companies and save? Really?

Consumers can’t ignore all the ads for the lowest price insurance by companies like Allstate, GEICO and Progressive. All the companies tend to make the same promise that you can save if you switch your coverage.

How can each company give you a better price? It’s all in the numbers.

Many companies quote the lowest rates for a prospective insured that will generate a profit. A good example of this type of insured may be a married male, has other policies, and drives newer vehicles. Any new insured who meets those qualifications will get the preferred prices and will save a lot of money.

Consumers who don’t meet the ideal profile may be forced to pay higher premium rates and this results in business not being written. If you listen closely, the ads state “customers who switch” not “all people who quote” save the amount stated. That’s the way companies can truthfully make the claims of big savings.

Because of the profiling, you absolutely need to compare free insurance coverage quotes often. It is just not possible to predict with any certainty which company will be your best fit.

Learn how to lower your insurance rates

Lots of things are used when you get a price on insurance. Some are obvious like your driving record, but some are less obvious such as your credit history or your commute time.

The list below includes some of the most rate-impacting factors companies use to determine your rates.

• More annual miles equals more premium – The more you drive your Acura annually the more it will cost to insure it. A lot of insurance companies calculate prices based upon how much you drive. Cars not used for work or commuting qualify for better rates than those used for commuting. It’s a smart idea to ensure your insurance coverage policy is rated on the correct usage for each vehicle. An improperly rated RLX may be costing you higher rates.
• Your location is a factor – Choosing to live in areas with lower population has definite advantages when talking about insurance coverage. Fewer drivers and short commutes means reduced accidents in addition to lower liability claims People who live in big cities have to deal with more auto accidents and longer commute times. More time on the road means higher likelihood of an accident.
• Insurance prices and driver gender – Statistics show that women are safer drivers than men. However, don’t assume that females are better drivers. Females and males get in auto accidents at about the same rate, but guys cause more damage. Men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 have the highest risk to insure so they pay the highest premiums.
• Do you have enough liability? – Your insurance coverage policy’s liability coverage is the protection in the event that a jury decides you are liable for damages from an accident. Liability insurance provides legal defense to attempt to prove you were not liable. Liability is cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
• High comp and collision deductibles reduce premiums – Insurance for physical damage, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some coverage claims are colliding with a building, vandalism, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles tell how much you are required to pay if a claim is determined to be covered. The higher the amount you pay before a claim is paid (deductible), the less money you will pay for insurance coverage on RLX coverage.
• Insurance coverage rates and your occupation – Jobs such as doctors, airline pilots and accountants are shown to have the highest rates attributed to intense work requirements and incredibly demanding work hours. On the other hand, careers such as actors, engineers and the unemployed pay lower than average rates on RLX coverage.
• Deter theft and lower prices – Selecting a car model with advanced anti-theft systems can save you some money. Anti-theft features like OnStar, LoJack tracking, and tamper alarms all help prevent your vehicle from being stolen.
• Lower prices for being claim-free – If you’re an insured who likes to file claims you can look forward to either policy cancellation or increased premiums. Auto insurance companies award discounts to drivers who are claim-free. Insurance coverage is designed for more catestrophic claims.

Save money by taking advantage of discounts

Companies offering auto insurance don’t necessarily list the entire discount list very clearly, so here is a list both the well known and also the lesser-known discounts you could be receiving when you buy insurance coverage online.

• Pay Early and Save – By paying your entire bill at once instead of paying each month you may have a lower total premium amount.
• ABS Brakes – Vehicles with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
• Bundle and Save – When you have multiple policies and place coverage with the same company you could save over 10 percent off each policy depending on the company.
• Senior Discount – Drivers over the age of 55 are able to get a small discount on rates on RLX coverage.
• Onboard Data Collection – Drivers who agree to allow data collection to track when and where they use their vehicle by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they are good drivers.

Discounts lower rates, but some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Some of the larger companies who may offer many of the previously listed discounts may include but are not limited to:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

If you want cheap insurance coverage quotes, ask every company which discounts they offer. Some discounts listed above may not apply in your area. To view insurance companies who offer online insurance quotes, enter your zip code here.

How much auto insurance do I need?

When it comes to choosing the best auto insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether you might need professional guidance.

• Is extra glass coverage worth it?
• If my pet gets injured in an accident are they covered?
• Why am I required to get a high-risk car insurance policy?
• Will my insurance pay for OEM parts?
• Can my babysitter drive my car?
• Can I get a multi-policy discount?
• Am I covered when using my vehicle for business?
• What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage considerations

Learning about specific coverages of insurance helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, X-ray expenses and hospital visits. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a bird, hitting a deer, a broken windshield and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – Collision coverage pays for damage to your RLX from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, backing into a parked car, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Acura RLX.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Auto liability – This coverage will cover damage that occurs to other’s property or people by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims like funeral expenses, legal defense fees and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

A little work can save a LOT of money

As you shop your coverage around, do not reduce coverage to reduce premium. In many cases, an insured cut uninsured motorist or liability limits to discover at claim time they didn’t have enough coverage. Your strategy should be to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.

Discount 2016 Acura RLX insurance can be bought on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. A few companies do not offer online quoting and these regional insurance providers sell through independent agents.

We just showed you many ways to lower your 2016 Acura RLX insurance prices. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Drivers may discover the lowest prices come from some of the smallest insurance companies.