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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Looking for better insurance coverage rates for your Acura RLX? Locating budget insurance coverage can appear to be somewhat difficult for beginners to buying insurance on the internet. With so many agents and companies in the marketplace, how can drivers have a chance to compare every company in order to find better prices?

It’s smart to do rate comparisons quite often because insurance coverage prices change quite often. If you had the best rates for RLX insurance six months ago other companies may now be cheaper. There is a lot of bad information regarding insurance coverage on the internet, but we’re going to give you some guaranteed methods to lower your insurance coverage rates.

First Step: Get free insurance quotes

Most major insurance companies like Allstate and Progressive allow consumers to get price estimates on the web. Comparing prices online is quite easy as you simply type in the coverages you want into the quote form. When the form is submitted, the company’s rating system pulls information on your driving record and credit history and returns a price quote determined by many factors.

Online price estimates makes comparing rates easy, but the time it takes to visit different websites and type in the same information is not the best way to spend an afternoon. But it’s necessary to compare as many rates as possible in order to get the lowest insurance rates.

A quicker way to find lower prices uses one form that gets price quotes from more than one company. The form is fast, helps eliminate reptitive entry, and makes price shopping online a little more enjoyable. After your information is entered, it is quoted and you can select your choice of the quotes that you receive. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. This process takes just a few minutes to complete and may result in a nice savings.

In order to find out if lower rates are available, simply click here to open in new window and fill out the form. If you have your current policy handy, we recommend you copy the limits and deductibles identical to your current policy. This helps ensure you will have a price comparison for the exact same coverage.

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

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Discounts for cheap auto insurance rates

Not many people think insurance is cheap, but you may find discounts that can drop the cost substantially. Some of these disounts will be visible at the time of quoting, but lesser-known reductions have to be manually applied before you will receive the discount.

  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. You can use this discount normally up to age 25.
  • Drivers Ed for Students – It’s a good idea to have your young drivers take driver’s ed class as it will make them better drivers and lower rates.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and can earn a small discount on your policy.
  • Distant Student Discount – Kids who live away from home to go to college and leave their car at home may qualify for this discount.
  • Driver Training Discounts – Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.

Don’t be shocked that many deductions do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like you could get a free auto insurance policy, insurance companies wouldn’t stay in business. But any discount should help reduce your overall bill.

If you would like to see a list of providers that can offer you the previously mentioned discounts, click here.

Learn how to lower your insurance prices

Many things are part of the equation when pricing auto insurance. A few of the factors are predictable such as traffic violations, but other criteria are more transparent such as your marital status or your financial responsibility.Consumers need to have an understanding of some of the elements that help determine your auto insurance rates. When you understand what determines premiums, this empowers consumers to make smart changes that could help you find big savings.

  • Do you need those incidental coverages? – Insurance companies have many optional add-on coverages that can add up if you aren’t diligent. Things like vanishing deductibles, better glass coverage, and extra life insurance coverage may not be needed and are just wasting money. These may sound like a good investment when you first buy your policy, but if you don’t need them eliminate them to save money.
  • Lower rates with a multi-policy discount – Lots of insurance companies allow better rates to insureds that purchase more than one policy such as combining an auto and homeowners policy. The discount can add up to five, ten or even twenty percent. Even though this discount sounds good, drivers will still want to check prices from other companies to ensure the best deal.There is a chance you can find lower rates by buying from different companies
  • Auto insurance rates and age – Teen drivers tend to get distracted easily when behind the wheel so auto insurance rates are higher. If you’ve ever had to add a beginning driver to your auto insurance policy can really hurt. Older drivers are proven to be safer behind the wheel, cost insurance companies less in claims and are safer drivers.
  • Use credit responsibly and save – A driver’s credit history is a large factor in calculating your premium rate. Therefore, if your credit is low, you could pay less to insure your 2015 Acura RLX by improving your credit score. Insureds with good credit tend to be less risk to insure than drivers who have worse credit.
  • Safer vehicles are cheaper to insure – Vehicles with good safety scores tend to be cheaper to insure. Highly rated vehicles result in less severe injuries and lower rates of occupant injuries means your insurance company pays less and cheaper rates on your policy.
  • Safer vehicles impact prices – Choosing to buy a car with an alarm system can save you some money. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
  • Are females or males drivers cheaper? – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both sexes cause at-fault accidents at about the same rate, but men cause more damage and cost insurance companies more money. Not only that, but men also get higher numbers of serious violations like reckless driving and DUI.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions might point out whether you may require specific advice.

  • Is there coverage for injuries to my pets?
  • Which companies will insure high-risk drivers?
  • What if I owe more than I can insure my car for?
  • Should I waive the damage coverage when renting a car?
  • Does my personal policy cover me when driving out-of-state?
  • Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

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

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Save $419 a year! What?

Respected companies like Allstate and Progressive regularly use ads on TV and radio. All the companies have a common claim that you can save if you just switch your coverage. How can each company offer drivers better rates? You have to listen carefully.

Companies provide the lowest rates for the type of insured that is profitable for them. For example, a driver they prefer may need to be between the ages of 30 and 50, has never had a claim, and insures a new vehicle. A customer who fits that profile receives the best premium rates as well as save some money.

Consumers who don’t meet the “perfect” profile may be forced to pay more expensive rates and business going elsewhere. If you pay attention, the ads say “people who switch” not “all people who quote” save money. That’s the way companies can advertise the savings. Because of the profiling, you should compare as many free insurance quotes as you can. It is impossible to guess which company will fit your personal profile best.

Information about specific coverages

Understanding the coverages of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your 2015 Acura RLX.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Auto liability insurance – This coverage will cover damage that occurs to people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have 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.

Liability coverage protects against things such as medical services, medical expenses, attorney fees, pain and suffering and funeral expenses. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Collision coverage – Collision insurance will pay to fix damage to your RLX caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, crashing into a ditch, backing into a parked car, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a broken windshield, vandalism, damage from a tornado or hurricane, damage from getting keyed and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for bills such as pain medications, ambulance fees, dental work and surgery. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Shop smart and save

Low-cost 2015 Acura RLX insurance is possible from both online companies and with local insurance agents, so you need to quote insurance with both to get a complete price analysis. Some companies may not provide the ability to get quotes online and many times these smaller companies only sell coverage through independent agencies.

We just showed you some good ideas how you can shop for 2015 Acura RLX insurance online. The key concept to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the best price on auto insurance is with some of the lesser-known companies.

Consumers who switch companies do it for a variety of reasons including delays in responding to claim requests, policy cancellation, being labeled a high risk driver and even denial of a claim. Regardless of your reason for switching companies, switching auto insurance companies is pretty easy and you might even save some money in the process.

Additional detailed information can be read in the articles below: