2019 Acura RLX Insurance Rates in 2024 – 10 Ways to Save

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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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Shoppers have lots of choices when shopping for affordable Acura RLX insurance. They can either spend hours driving around to get rate comparisons or save time using the internet to get rate quotes.

There are more efficient ways to compare car insurance rates and we’ll show you the absolute fastest way to price shop coverage for a Acura and locate the lowest price from both online companies and local agents.

If you have a policy now or are looking for a new policy, you can use these tips to find better prices while maximizing coverage. This information will tell you how to get online quotes and some tricks to saving. Consumers just need to understand the tricks to get comparison quotes over the internet.

Car insurance discounts help cut rates

Some providers don’t always advertise every discount they offer very well, so the following list contains some of the best known and the harder-to-find credits available to bring down your rates.

  • Government Employees – Federal government employees may qualify for a discount when you quote insurance coverage for RLX insurance with certain companies.
  • Distant Student – who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Defensive Driver – Taking a course teaching defensive driver skills can save you 5% or more and easily recoup the cost of the course.
  • Accident Forgiveness Coverage – Not necessarily a discount, but some insurance companies will let one accident slide before they charge you more for coverage so long as you haven’t had any claims before the accident.
  • Driving Data Discount – Drivers who agree to allow their insurance company to look at when and where they use their vehicle by installing a telematics device such as Progressive’s Snapshot could save a few bucks if they show good driving skills.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 25 to 30%.
  • Homeowners Discount – Owning your own home or condo may earn you a small savings because owning a home demonstrates responsibility.
  • Discount for Life Insurance – If the company offers life insurance, you could get better rates if you take out some life insurance in addition to your auto policy.
  • Active Military Service – Being deployed with a military unit may lower your car insurance rates slightly.
  • Professional Organizations – Participating in specific professional or occupational memberships or organizations may earn a discount on your next car insurance statement.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. Even though it may seem like you can get free auto insurance, nobody gets a free ride. But all discounts should help reduce the amount you pay for coverage.

Companies that possibly offer many of the previously listed discounts possibly include:

  • State Farm
  • Allstate
  • Farm Bureau
  • Progressive
  • AAA

If you need lower rates, check with each company or agent how many discounts you can get. A few discounts might not be available to policyholders everywhere. If you would like to choose from a list of insurance companies offering car insurance discounts, enter your zip code here.

How to compare auto insurance price quotes

There are multiple methods to shop for auto insurance, but some are less time-consuming than others. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you could use the internet to get pricing more quickly.

Most major companies are enrolled in a marketplace where insurance shoppers complete one form, and each participating company returns a competitive quote determined by their information. This prevents consumers from doing form submissions to every company.

To enter your information into the quoting system, enter your zip code here.

One minor caveat to getting quotes like this is that consumers can’t choose which insurance companies you want pricing from. If you prefer to choose individual companies for rate comparison, we have a page of the cheapest auto insurance companies in your area. Click to enter zip code.

It’s your choice how you get your quotes, but make sure you compare identical quote data for each quote you get. If you use different deductibles then you won’t be able to truly determine the lowest rate.

Which is the best car insurance?

When it comes to choosing coverage, there is no cookie cutter policy. Everyone’s needs are different.

For instance, these questions can help discover whether you could use an agent’s help.

  • At what point should I drop full coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I afford to pay high deductible claims out of pocket?
  • What is UM/UIM insurance?
  • Am I covered if I wreck a rental car?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, take a second and enter your zip code. It’s fast, free and can help protect your family.

Auto insurance coverages explained

Learning about specific coverages of a auto insurance policy aids in choosing the right coverages for your vehicles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay 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, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Liability insurance – This coverage will cover damage that occurs to a person or their property. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things like emergency aid, structural damage, pain and suffering and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverages – This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, hitting a deer and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments – Med pay and PIP coverage pay for short-term medical expenses for things like pain medications, ambulance fees, dental work and doctor visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as hitting a parking meter, hitting a mailbox, rolling your car, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Summing up your car insurance search

In this article, we presented a lot of ways to get a better price on 2019 Acura RLX insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your auto insurance rates. You may be surprised to find that the biggest savings come from the smaller companies.

When getting insurance coverage quotes online, do not sacrifice coverage to reduce premiums. In many cases, an insured dropped comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. The aim is to find the BEST coverage for the lowest price while still protecting your assets.

Some car insurance companies do not provide online rate quotes and usually these regional carriers only sell coverage through local independent agencies. Affordable 2019 Acura RLX insurance is possible from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates.

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