2010 Acura RDX Insurance Rates

If you are a novice to online auto insurance shopping, most likely you are bewildered by the confusing number of insurance providers offering coverage.

This information will introduce you to how car insurance quotes work. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these tips. Nevertheless, drivers need to have an understanding of the way companies compete online because it can help you find the best coverage.

The quickest method we recommend to compare insurance rates in your area is to realize most insurance companies actually pay money for the chance to give free rates quotes. To begin a comparison, all you need to do is provide a little information like if it has an alarm system, daily mileage, whether or not you need a SR-22, and how your vehicles are used. Your information gets sent immediately to all major companies and they provide comparison quotes instantly to find the best rate.

More discounts mean cheap premiums

Companies don’t always advertise every policy discount in a way that’s easy to find, so below is a list both well-publicized as well as some of the hidden credits available to lower your premiums when you buy insurance online.

First Accident Forgiveness – This isn’t a discount exactly, but certain companies permit an accident without the usual rate increase so long as you are claim-free for a specific time period.
Discount for Multiple Policies – If you have multiple policies and insure them with the same company you could save at least 10% off all policies.
Distant Student Discount – Youth drivers who are attending college and leave their car at home may qualify for this discount.
Student Discounts – This discount could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.
Telematics Discount – Drivers who agree to allow driving data submission to scrutinize where and when they drive remotely such as Progressive’s Snapshot might see lower rates if they exhibit good driving behavior.
More Vehicles More Savings – Drivers who insure more than one vehicle on the same auto insurance policy can reduce the rates for all insured vehicles.
Fewer Miles Equal More Savings – Low annual miles can earn cheaper auto insurancerates.
Professional Organizations – Participating in certain professional organizations could earn you a nice discount on your next renewal.
Accident Free – Claim-free drivers can save substantially when compared with accident-prone drivers.

As a disclaimer on discounts, many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.

To find auto insurance companies that provide some of the discounts listed above, click here to view.

It’s not one size fits all

When it comes to buying adequate coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if your insurance needs may require specific advice.

Is my babysitter covered when using my vehicle?
Should I put collision coverage on all my vehicles?
Why does it cost so much to insure a teen driver?
Does my medical payments coverage pay my health insurance deductible?
Is upholstery damage covered by car insurance?
Do I need replacement cost coverage on my 2010 Acura RDX?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Car insurance coverages 101

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, theft and damage from getting keyed. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your 2010 Acura RDX.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Liability insurance

Liability insurance protects you from damage that occurs to a person or their property. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like repair bills for other people’s vehicles, court costs, legal defense fees, bail bonds and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as damaging your car on a curb, colliding with another moving vehicle, backing into a parked car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like prosthetic devices, hospital visits, pain medications, doctor visits and X-ray expenses. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage