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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Searching for cheaper car insurance rates for your Acura RLX? Nobody that owns a car loves paying for car insurance, especially when they are aware that they are paying too much.

There are many insurance companies to insure vehicles with, and even though it’s nice to have a choice, more options can take longer to compare rates and cut insurance costs.

It’s a good habit to do price comparisons yearly since prices change quite often. Just because you had the lowest rates on RLX insurance on your last policy you will most likely find a better rate quote today. Block out anything you think you know about car insurance because you’re going to learn the best methods to save money, get proper coverage and the best rates.

Pricing cheaper protection is not that difficult. Just about every driver who carries car insurance will more than likely be able to cut their insurance bill. Although vehicle owners need to have an understanding of how insurance companies market on the web and apply this information to your search.

The cheapest insurance

To find more affordable rates, there are a couple of ways of comparing rate quotes from many insurance companies in your state. By far the easiest way to lower the rate you pay for 2014 Acura RLX insurance is to perform an online rate comparison. It’s really quite simple and can be done in a couple of different ways.

  • Hands down the most simple method to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This quick form eliminates the need for separate quotes for every prospective company. Completing one form gets prices estimates from many national carriers.
  • A more difficult way to analyze rates is going to the website for every company you want to comare and go through the quote process again. For sake of this example, we’ll pretend you want to compare prices for Nationwide, Farmers and State Farm. In order to compare rates, you need to go to every website to enter your coverage information, which explains why we recommend starting with the first method. For a list of links to companies insuring cars in your area, click here.

The approach you take is up to you, just be sure to compare the exact same quote data with each company. If the quotes have different limits and deductibles on each one it will be nearly impossible to determine which rate is truly the best. Quoting even small variations in coverages could mean much higher rates. And when quoting insurance, remember that comparing a wide range of rates provides better odds of finding more affordable rates.

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

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Advertising and car insurance

Popular car insurance providers such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to make the same claim about savings if you just switch to them. Is it even possible that every company can charge less that you’re paying now? Here is the trick they use.

All the different companies provide the lowest rates for the driver that earns them a profit. For example, this type of driver might be between the ages of 30 and 50, carries high limits, and does not commute to work. A customer that hits that “sweet spot” receive the lowest rate quotes and will most likely save when they switch companies.

Insureds who don’t measure up to these stringent criteria may receive higher prices and the customer not buying. The ads say “drivers who switch” not “all people who quote” will save that much if they switch. That’s why companies can truthfully claim big savings.

Because of this risk profiling, it is so important to get auto insurance quotes as often as possible. It’s just not possible to know which company will provide the lowest auto insurance rates.

Insurance coverage discounts are available to reduce your rates

Not many people think insurance is cheap, but you can get discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically at the time of purchase, but a few must be specially asked for before they will apply.

  • Theft Deterent – Cars with anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • Use Seat Belts – Drivers who require all vehicle occupants to buckle up before driving can save 10% or more off the PIP or medical payment premium.
  • Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Discount for Good Grades – Maintaining excellent grades could provide a savings of up to 20% or more. The good student discount can last up until you turn 25.
  • Defensive Driver Discount – Successfully completing a course in defensive driver may get you a small discount if your company offers it.
  • Savings for New Vehicles – Buying a new car instead of a used car can save you some money because newer vehicles are generally safer.
  • Drive Safe and Save – Drivers without accidents can save up to 40% or more on their auto insurance quote on RLX insurance than drivers with accident claims.
  • Auto/Home Discount – If you can bundle your homeowners and auto insurance with one insurance company you will save nearly 15% which can help you find affordable auto insurance.
  • Full Payment Discount – If you can afford to pay the entire bill instead of monthly or quarterly installments you can actually save on your bill.
  • Professional Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates on your next insurance coverage statement.

A little disclaimer on discounts, some of the credits will not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, you aren’t that lucky. But all discounts will help lower the cost of your policy.

To locate insurance coverage companies with the best insurance coverage discounts, click here to view.

Everyone needs different auto insurance coverages

When buying the best auto insurance coverage for your personal vehicles, there is no cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine if your insurance needs would benefit from professional advice.

  • I don’t drive much so do I pay less?
  • Am I covered if I wreck a rental car?
  • Where can I find high-risk insurance?
  • Why am I required to buy high-risk coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Do I need replacement cost coverage?
  • Do all my vehicles need collision coverage?
  • Do I need more liability coverage?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

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

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Insurance coverages and their meanings

Understanding the coverages of insurance helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.

Comprehensive or Other Than Collision – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, theft, damage from a tornado or hurricane and hail damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage – This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Acura RLX.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Coverage for liability – Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like legal defense fees, loss of income and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for immediate expenses for pain medications, ambulance fees and nursing services. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

One last thing

We’ve covered some good ideas how to save on 2014 Acura RLX insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a smaller regional carrier. These smaller insurers often have lower rates on specific markets than their larger competitors like Progressive and GEICO.

As you quote auto insurance, do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut liability coverage limits and found out when filing a claim that they should have had better coverage. Your aim should be to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

Budget-conscious 2014 Acura RLX insurance can be found on the web and also from your neighborhood agents, so get free auto insurance quotes from both of them so you have a total pricing picture. Some car insurance companies may not have online rate quotes and many times these small insurance companies prefer to sell through local independent agencies.

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