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...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Trying to find cheaper car insurance rates for your Acura RDX? Searching for cheaper insurance for a new or used Acura RDX can be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are both good and bad ways to find car insurance online so we’re going to tell you the proper way to quote coverages for your Acura and locate the cheapest rates either online or from local insurance agents.

It’s a great practice to get comparison quotes occasionally because prices fluctuate regularly. Just because you found the lowest rates for RDX coverage at your last renewal you may be paying too much now. Forget anything you know (or think you know) about car insurance because it’s time to teach you the things you must know in order to save money, get proper coverage and the best rates.

Free insurance quotes

Getting cheap 2007 Acura RDX insurance pricing isn’t really that difficult. Drivers just need to invest a few minutes to get quotes to see which company has inexpensive insurance coverage quotes. Comparing prices online can be done in just a few minutes using one of these methods.

  • One of the simplest ways to get the best comparison quotes is a comparison rater form click here to open form in new window. This style of form saves time by eliminating multiple quote forms for each price estimate. Just one form gets insurance cost estimates direct from many companies. It’s the fastest way to compare.
  • A less efficient way to analyze rates consists of going to the website of each company to request a price quote. For examples sake, we’ll assume you want to view quotes from Liberty Mutual, Safeco and Travelers. In order to compare rates, you need to go to each individual site and type in your information over and over, which can be really labor intensive.

    For a list of links to companies insuring cars in your area, click here.

  • The hardest way to shop rates is going to each insurance agency near you. The ability to buy insurance online makes this process obsolete unless you prefer the personal advice of a local agent. Some companies do allow you to get the lowest quotes online but purchase the actual policy in an agency.

Whichever way you choose to compare rates, ensure you’re using exactly the same coverages on every quote you get. If you have different limits and deductibles on each one it will be very difficult to determine the lowest rate for your Acura RDX.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Cheaper insurance coverage rates with discounts

Auto insurance companies do not advertise the complete list of policy discounts in a way that’s easy to find, so the next list breaks down some of the more common as well as the least known discounts that you may qualify for. If you do not check that you are getting every discount you qualify for, you may be paying too high a price.

  • College Student Discount – Youth drivers who live away from home at college and don’t have a car may be able to be covered for less.
  • Lower Rates for Military – Being on active deployment in the military could mean lower rates.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices help deter theft and earn discounts up to 10% off your insurance coverage quote.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save up to 15% on medical payment and PIP coverage.
  • Smart Student Discounts – This discount can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
  • Full Payment Discount – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Discounts for Responsible Drivers – Drivers who avoid accidents can save as much as half off their rates for RDX coverage compared to rates paid by drivers with frequent claims.

One last thing about discounts, some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way.

Popular insurance coverage companies and the discounts they provide are shown below.

  • American Family policyholders can earn discounts including defensive driver, accident-free, multi-vehicle, good driver, air bags, and Steer into Savings.
  • State Farm offers discounts including Steer Clear safe driver discount, driver’s education, anti-theft, safe vehicle, multiple policy, and defensive driving training.
  • 21st Century offers discounts for theft prevention, air bags, homeowners, good student, and driver training.
  • Travelers offers premium reductions for IntelliDrive, student away at school, driver training, payment discounts, home ownership, good student, and hybrid/electric vehicle.
  • GEICO includes discounts for emergency military deployment, seat belt use, anti-theft, driver training, multi-policy, and five-year accident-free.

When getting a coverage quote, ask each company which credits you are entitled to. Some discounts listed above might not be offered in your area.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if your situation could use an agent’s help.

  • Does having multiple vehicles earn me a discount?
  • Is rental equipment covered for theft or damage?
  • Is my trailer covered?
  • Does coverage extend to a rental car in a foreign country?
  • Are my friends covered when driving my 2007 Acura RDX?
  • What should my uninsured motorist coverage limits be in my state?
  • What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

How to lower your insurance rates

Smart consumers have a good feel for some of the elements that aid in calculating your insurance coverage rates. If you have a feel for what influences your rates, this helps enable you to make changes that could help you find cheaper rates. Many things are part of the equation when pricing auto insurance. Most are fairly basic like your driving record, but other criteria are less apparent like your continuous coverage and annual miles driven.

The itemized list below are a partial list of the pieces used by your company to calculate rates.

  • Urban areas may pay more – Having an address in smaller towns and rural areas of the country has definite advantages when talking about insurance coverage. Drivers who live in large cities regularly have more road rage incidents and higher rates of accident claims. Fewer drivers and short commutes translates into fewer accidents.
  • Save money by raising physical damage deductibles – Coverage for physical damage, also called ‘full coverage’, covers your vehicle from damage. Examples of some claims that would be covered are running into the backend of another car, damage from fire, and burglary. Physical damage deductibles represent how much money the insured will be required to pay if a claim is determined to be covered. The more of the claim the insured is willing to pay, the lower your rates will be for RDX coverage.
  • Good credit means lower prices – Having a good credit score is likely to be a major factor in determining what you pay for insurance coverage. Insureds with excellent credit tend to be better drivers and file fewer claims than drivers who have lower credit ratings. Therefore, if your credit score is lower than you’d like, you could potentially save money when insuring your 2007 Acura RDX by improving your rating.
  • If you don’t need it don’t buy it – There are a ton of additional coverages that sound like a good idea at the time if you aren’t careful. Coverages for replacement cost coverage, accidental death, and Farm Bureau memberships may be costing you every month. They may seem like a good idea when buying your policy, but your needs may have changed so think about removing them and cutting costs.
  • Do you have enough liability? – A critical coverage on your policy, liability insurance kicks in in the event that you are found liable for causing damage or personal injury in an accident. Liability provides you with a defense in court to attempt to prove you were not liable. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not cut corners here.
  • Safer cars mean better premiums – Safer cars tend to have lower insurance rates. Highly rated vehicles reduce occupant injuries and fewer serious injuries means your insurance company pays less and thus lower rates.
  • Discounts for GPS tracking and theft deterrents – Selecting a car model that has a built-in theft deterrent system can help lower your rates. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft and help bring rates down.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Specific coverage details

Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to other people or property. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like court costs, loss of income, attorney fees, medical services and medical expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, crashing into a ditch, damaging your car on a curb, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from a tornado or hurricane, a broken windshield, hitting a bird and vandalism. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Acura RDX.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses for things like chiropractic care, surgery, ambulance fees and hospital visits. They are used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Quote more. Save more.

Throughout this article, we presented quite a bit of information on how to get a better price on 2007 Acura RDX insurance. The key concept to understand is the more quotes you get, the better your comparison will be. You may even find the lowest prices are with a small mutual company.

When getting insurance coverage quotes online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. The goal is to purchase plenty of coverage at the lowest possible cost while still protecting your assets.

Insureds change insurance companies for many reasons like lack of trust in their agent, extreme rates for teen drivers, questionable increases in premium and unfair underwriting practices. It doesn’t matter why you want to switch choosing a new company is pretty simple and you could end up saving a buck or two.

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