2022 Acura RDX Insurance Cost in 2024

Looking for better auto insurance rates? Shoppers have options when shopping for the lowest priced Acura RDX insurance. You can either spend your time calling around to compare prices or leverage the internet to get rate quotes. There are both good and bad ways to buy auto insurance and we’ll show you the proper way to get price quotes for a Acura and get the lowest possible price either online or from local insurance agents.

How to compare insurance rate quotes

There are a variety of methods you can shop for insurance but there is one way that is easier and takes less work. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Most car insurance companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and at least one company can give them a price. This eliminates the need for form submissions to each company.

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

The single downside to comparing rates this way is you can’t choose which companies to get quotes from. So if you prefer to pick from a list of companies to compare prices, we have a page of insurance companies in your area. Click to enter zip code for insurance companies.

However you get your quotes, make sure you use identical coverages and limits with each company. If you are comparing different coverage information you will not be able to make a fair comparison for your Acura RDX.

Don’t miss these discounts

Insuring your vehicles can cost a lot, but there could be available discounts that can help lower your rates. Larger premium reductions will be automatically applied when you quote, but less common discounts must be requested specifically before you get the savings.

• Service Members Pay Less – Being on active deployment in the military could be rewarded with lower insurance rates.
• Passenger Safety Discount – Factory options such as air bags can get savings of more than 20%.
• Discounts for Multiple Vehicles – Buying coverage for primary and secondary vehicles with one company can get a discount on all vehicles.
• Discounts for Federal Employees – Simply working for the federal government could cut as much as 10% off on RDX coverage depending on your insurance provider.
• ABS Braking Discount – Cars and trucks with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
• Sign Early and Save – Some larger companies give discounts for switching to them before your current policy expires. You could save around 10% when you buy insurance online.

As is typical with insurance, most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way.

A few companies that have most of these discounts include:

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

If you need lower rates, check with all the companies which discounts you may be entitled to. Discounts might not apply in your state. To see companies offering insurance discounts, enter your zip code here.

Special considerations

When it comes to buying coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether you would benefit from professional advice.

• Is my teenager covered with friends in the car?
• How much can I save by bundling my policies?
• Is business equipment covered while in my vehicle?
• Am I covered if I hit a deer?
• Do I get a pro-rated refund if I cancel my policy early?
• Am I covered when driving in Canada or Mexico?
• What can I do if my company denied a claim?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, complete your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Get lower-cost insurance with these tips

Lots of factors are part of the calculation when you quote your car insurance policy. Some are obvious such as traffic violations, although others are less apparent like where you live or how safe your car is. Consumers need to have an understanding of some of the things that help calculate insurance rates. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that will entitle you to cheaper rates.

• Rural areas have lower prices – Choosing to live in areas with lower population is a positive aspect when buying insurance. Residents of big cities have more aggressive driving styles and higher rates of accident claims. Fewer drivers corresponds to lower accident rates as well as less vandalism and auto theft.
• lapses raise rates – Having a lapse in insurance coverage is a fast way to pay more for insurance. In addition to paying higher rates, being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.
• Marriage is a factor – Having a wife or husband can get you a discount on your policy. Having a spouse translates into being less irresponsible and it’s statistically proven that being married results in fewer claims.
• Are females or males drivers cheaper? – Statistics have proven that females take fewer risks when driving. It does not mean females are better at driving than males. Men and women cause auto accidents in similar percentages, but guys have accidents that have higher claims. Men also statistically get cited for more serious violations like DUI and reckless driving. Young males have the highest risk to insure and thus pay the highest rates.
• An active policy claims history can cost you – Car insurance companies generally give lower rates to drivers who file claims infrequently. If you file a lot of claims you can expect either a policy non-renewal or much higher rates. Your car insurance is intended for more catestrophic claims.

Can you really save that much by switching?

Drivers can’t get away from all the ads for cheaper insurance from the likes of Progressive, Allstate and GEICO. They all state the claim that drivers can save some big amount just by moving your policy.

How does each company charge lower premium rates? It’s all in how they say it.

Insurance providers look for specific characteristics for the driver that earns them the most money. An example of a desirable risk should be between 25 and 40, owns their home, and does not commute to work. Someone that matches those criteria will probably get the lowest premium rates and will also save a lot of money.

Drivers who are not a match for those criteria will get higher rates which usually ends up with the customer buying from a different company. The ads state “customers who switch” but not “everyone who gets a quote” save the amount stated. That’s the way companies can make it sound like they have such great prices. This really emphasizes why you absolutely need to get a wide range of price quotes. It is impossible to predict which insurance company will fit you best based on your risk profile.

Car insurance coverage information

Understanding the coverages of auto insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your 2022 Acura RDX.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability car insurance – Liability coverage will cover damage that occurs to other’s property or people that is your fault. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability insurance covers claims like pain and suffering, court costs and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Collision – This will pay to fix damage to your RDX resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with a tree, scraping a guard rail, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills like nursing services, pain medications, rehabilitation expenses, prosthetic devices and EMT expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive protection – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hail damage, falling objects, damage from a tornado or hurricane and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

A penny earned…

Budget-conscious 2022 Acura RDX insurance is definitely available on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies may not offer internet price quotes and most of the time these small insurance companies sell through independent insurance agents.

As you quote insurance, you should never buy poor coverage just to save money. In many cases, consumers will sacrifice liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at a price you can afford.

You just read many ways to compare 2022 Acura RDX insurance rates online. The most important thing to understand is the more you quote insurance, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with an unexpected company.