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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Nov 14, 2017

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Locating cheaper insurance for an Acura RDX could be difficult, but you can learn the following methods to save time. There are both good and bad ways to find insurance online so you’re going to learn the quickest way to quote coverages on a Acura and get the best price possible either online or from local insurance agents.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a policy now or need new coverage, you will benefit by learning to get lower rates while maintaining coverages. Drivers just need to learn the proper way to compare price quotes over the internet.

Do you qualify for discount car insurance?

Car insurance is not cheap nor is it fun to buy but there could be significant discounts that you may not know about. Certain credits will be shown when you complete an application, but a few must be asked for before they will apply.

  • E-sign – Some of the larger companies provide a small discount get insurance digitally online.
  • Responsible Driver Discounts – Safe drivers could pay up to 40% less on RDX coverage compared to accident prone drivers.
  • Distant Student – Youth drivers who live away from home at college and do not have a car may qualify for this discount.
  • Anti-lock Brakes – Vehicles that have steering control and anti-lock brakes have fewer accidents and the ABS can save up to 10%.
  • Accident Waiver – Not really a discount, but a few companies such as Progressive and Allstate will forgive one accident before your rates go up if you are claim-free for a specific time period.

A quick disclaimer, most discounts do not apply to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, it just doesn’t work that way.

A few popular companies and a selection of discounts are detailed below.

  • State Farm may include discounts for good driver, multiple autos, Steer Clear safe driver discount, anti-theft, Drive Safe & Save, and defensive driving training.
  • Farmers Insurance offers discounts including early shopping, business and professional, teen driver, multi-car, and alternative fuel.
  • Progressive discounts include good student, continuous coverage, homeowner, multi-policy, online signing, and multi-vehicle.
  • GEICO offers discounts for air bags, defensive driver, daytime running lights, multi-policy, multi-vehicle, and membership and employees.
  • Auto-Owners Insurance has discounts for multi-policy, student away at school, paperless, safe driver, group or association, good student, and mature driver.
  • The Hartford policyholders can earn discounts including good student, bundle, anti-theft, defensive driver, driver training, air bag, and vehicle fuel type.
  • Farm Bureau may offer discounts for renewal discount, good student, driver training, youthful driver, 55 and retired, multi-vehicle, and multi-policy.
  • USAA has savings for loyalty savings, vehicle storage, driver training, annual mileage, and multi-policy.

Before purchasing a policy, check with all companies you are considering the best way to save money. A few discounts might not be available to policyholders in your area. If you would like to view companies that can offer you the previously mentioned discounts, follow this link.

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

secured lock Secured with SHA-256 Encryption

What insurance coverages do I need?

When it comes to choosing the best insurance coverage coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

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

  • Where can I get insurance after a DUI in my state?
  • What is the ISO rating for a 2008 Acura RDX?
  • Do all my vehicles need collision coverage?
  • When would I need additional glass coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my babysitter covered when using my vehicle?
  • Am I getting all the discounts available?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Insurance advertising tricks

Drivers can’t ignore all the ads for insurance savings from the likes of Allstate, GEICO and Progressive. All the companies seem to make the promise of big savings after switching your policy.

How does each company have lower policy pricing? Here is how they do it.

All companies provide the lowest rates for a prospective insured that earns them a profit. An example of a desirable insured should be between the ages of 40 and 55, insures multiple vehicles, and drives less than 5,000 miles a year. A customer getting a price quote that meets those criteria will most likely get cheap premium rates and is almost guaranteed to save if they switch.

People who may not quite match these standards may receive more expensive rates which leads to business going elsewhere. The ads state “customers who switch” not “everybody who quotes” save that much money. That is how insurance companies can make claims like that. This really illustrates why you really should get insurance quotes as often as possible. It’s not possible to predict which insurance company will give you the biggest savings.

Auto insurance coverage specifics

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

Comprehensive insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like theft, hail damage, a tree branch falling on your vehicle, falling objects and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as rehabilitation expenses, surgery, hospital visits and EMT expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like legal defense fees, medical services, emergency aid and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Acura RDX.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

Collision insurance pays for damage to your RDX caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as backing into a parked car, scraping a guard rail, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

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

secured lock Secured with SHA-256 Encryption

Be a money saver!

Lower-priced insurance can be sourced on the web as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies don’t offer online rate quotes and these small insurance companies only sell through independent agents.

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped physical damage coverage and found out when filing a claim that the savings was not a smart move. Your objective should be to buy enough coverage at the best cost and still be able to protect your assets.

We just presented a lot of information how to shop for 2008 Acura RDX insurance online. It’s most important to understand that the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. Consumers may even find the lowest rates come from some of the lesser-known companies.

Helpful articles