2015 Acura RDX Insurance Cost

Want cheaper insurance rates for your Acura RDX? If shopping for insurance quotes online is new to you, most likely you are bewildered by the diversity of companies all advertising big savings.

Discounts for lower-cost car insurance quotes

Auto insurance companies don’t always publicize every discount in a way that’s easy to find, so the next list breaks down both the well known as well as the least known discounts that you can inquire about if you buy insurance online. If you do not double check each discount available, you are not getting the best rate possible.

• Use Seat Belts – Requiring all passengers to use their safety belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Early Switch Discount – Some insurance companies reward drivers for renewing your policy prior to the expiration date on your current policy. This can save 10% or more.
• Student Discount for Driver Training – Have your child enroll in driver’s education as it can save substantially.
• Employee of Federal Government – Being employed by or retired from a federal job could qualify for a slight premium decrease for RDX insurance with select insurance companies.
• Military Rewards – Being deployed in the military could be rewarded with lower prices.
• Cautious Driver Discount – Safe drivers may save up to 50% more for RDX insurance than drivers with accident claims.

You should keep in mind that many deductions do not apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of insurance companies with discount car insurance rates, follow this link.

You may need specialized auto insurance coverage

When choosing the right insurance coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if you might need an agent’s assistance.

• Is my teenager covered with friends in the car?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• Is my teen driver covered when they drive my company car?
• Are rock chip repairs covered?
• Should I drop comprehensive coverage on older vehicles?
• Is my babysitter covered when using my vehicle?
• Does my personal policy cover me when driving out-of-state?
• Does insurance cover tools stolen from my truck?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form.

Coverages available on your auto insurance policy

Learning about specific coverages of your policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability car insurance – This coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like medical expenses, court costs and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, sustaining damage from a pot hole, colliding with another moving vehicle, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for doctor visits, X-ray expenses and EMT expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Acura RDX.

Because many people 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. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive protection – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, damage from getting keyed, a broken windshield and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Smart shoppers get results

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced physical damage coverage only to find out they didn’t have enough coverage. The ultimate goal is to find the BEST coverage at an affordable rate, but don’t skip important coverages to save money.

You just read many ideas to save on 2015 Acura RDX insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding affordable insurance. You may even find the biggest savings come from a small mutual company.

Some companies may not provide internet price quotes and many times these smaller providers only sell coverage through independent agencies. Cheap 2015 Acura RDX insurance can be bought on the web as well as from insurance agents, so you should be comparing quotes from both to have the best selection.

Much more information about insurance is available below:

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Vehicle Safety Ratings (iihs.org)
• All About Airbag Safety (State Farm)
• Teen Driver Statistics (Insurance Information Insitute)