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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Nobody likes paying for insurance, especially when they are aware that the price is too high. Because there are so many different company options, it can be challenging to locate the cheapest insurance company.

Buying car insurance is not that difficult. If you have car insurance now, you should be able to save some money using these techniques. Drivers just need to understand the best way to get comparison rates on the web.

Seven discounts to earn cheaper auto insurance rates

Not many people think insurance is cheap, but you may qualify for discounts to help bring down the price. Many of these discounts will be applied automatically when you purchase, but some discounts are required to be asked about before they will apply.

  • Save with a New Car – Adding a new car to your policy may earn a small discount compared to insuring an older model.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • Homeowners Savings – Simply owning a home can save a few bucks due to the fact that maintaining a home demonstrates responsibility.
  • Accident Forgiveness – Not really a discount, but certain companies will forgive one accident before they charge you more for coverage with the catch being you have to be claim-free for a specific time period.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on RDX insurance depending on your company.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags may earn rate discounts of up to 25% or more.

Policy discounts save money, but most of the big mark downs will not be given to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that you can get free auto insurance, you’re out of luck.

Companies that may offer policyholders these discounts are:

Check with every prospective company which discounts they offer. A few discounts may not apply to policyholders in your area. For a list of insurance companies offering auto insurance discounts, click here.

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

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Tailor your insurance coverage to you

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether you could use an agent’s help.

  • Does my personal policy cover me when driving out-of-state?
  • When can I cancel my policy?
  • Do I have coverage for damage caused while driving under the influence?
  • How do I insure my teen driver?
  • Am I covered if I hit a deer?
  • Do I need replacement cost coverage?
  • When should I remove comp and collision on my 2013 Acura RDX?
  • How does medical payments coverage work?
  • Am I covered if I drive in a foreign country?
  • When should I not file a claim?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Save $401 a year. For real?

Drivers can’t get away from all the ads for the lowest price auto insurance by Allstate and Progressive. They all make the point about saving some big amount just by switching to them.

How does each company charge lower premium rates?

Many companies have specific guidelines for the type of customer that makes them money. A good example of this type of risk profile may need to be between the ages of 30 and 50, has a low-risk occupation, and chooses high deductibles. A driver who fits those characteristics will probably get cheap rates and most likely will save when they switch companies.

Potential insureds who do not fit those criteria may be forced to pay higher rates which leads to the customer buying from a different company. The ads state “customers who switch” not “everyone that quotes” can save as much as they claim. That is how companies can truthfully lure you into getting a quote. Because of the profiling, you should compare quotes as often as possible. It’s not possible to predict which company will fit your personal profile best.

Car insurance coverages for an Acura RDX

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on most auto insurance policies.

Medical costs insurance – Coverage for medical payments and/or PIP pay for bills for things like chiropractic care, rehabilitation expenses and surgery. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision – This will pay to fix damage to your RDX caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

UM/UIM Coverage – This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Acura RDX.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Auto liability – This provides protection from damages or injuries you inflict on other people or property in an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for things like emergency aid, legal defense fees, loss of income and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, damage from getting keyed and a broken windshield. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

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

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More choices the merrier

We just covered quite a bit of information on how to reduce 2013 Acura RDX insurance car insurance rates online. The key concept to understand is the more you quote auto insurance, the better your comparison will be. Drivers may discover the biggest savings come from the least-expected company. These companies may only write in your state and offer lower premium rates than their larger competitors like Allstate, GEICO and Progressive.

When searching for inexpensive auto insurance quotes, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, someone dropped liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.

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