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: Nov 30, 2017

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

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Confused by the wide range of insurance coverage choices that you can choose from? Many other drivers are as well. Vehicle owners have so many choices to choose from that it is a chore to find lower insurance coverage rates.

You need to check insurance coverage prices every six months because insurance coverage prices change quite often. Just because you had the best rates on RDX coverage at your last renewal a different company probably has better premium rates today. Ignore everything you know about insurance coverage because you’re going to get a crash course in the things you must know in order to properly buy coverages and cut your premium.

Educated choices result in lower insurance rates

It’s important that you understand some of the things that aid in calculating your premiums. When you know what positively or negatively influences your rates, this enables informed choices that can help you get lower insurance coverage prices.

  • Your employer is a factor – Did you know your job can affect your rates? Jobs like military generalspolice officers and stock brokers tend to have the highest rates attributed to intense work situations and lots of time spent away from family. Conversely, jobs like scientists, athletes and the unemployed get better rates on RDX coverage.
  • Do females or males drive better? – The statistics show females are less aggressive when driving. However, this does not mean men are worse drivers. Both sexes get in accidents in similar numbers, but men tend to have higher claims. Men also statistically receive more major tickets such as reckless driving.
  • Qualify for multi-policy discounts – Many insurers provide a discount to customers who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, you may still want to shop around to ensure the best deal. Drivers may still save more without the discount even if you insure with multiple companies
  • Filing insurance coverage claims can cost more – Insurance companies generally give lower rates to people who are claim-free. If you file a lot of claims you can definitely plan on either higher rates or even cancellation. Your car insurance is intended to be relied upon for larger claims.
  • Add-on coverages could be costing you – Policies have add-on coverages that sound like a good idea at the time but may not be useful. Coverage for things like rental car coverage, accidental death, and term life insurance are examples of these. They may sound like good ideas at first, but your money might be better spent on other coverage so get rid of them and save.
  • Bad credit will cost you – An insured’s credit score will be a significant factor in calculating your premium rate. So if your credit is not that good, you could potentially save money when insuring your 2016 Acura RDX if you improve your credit rating. Insureds with good credit tend to be more responsible and file fewer claims as compared to drivers with lower credit ratings.
  • Is your vehicle theft-ready? – Purchasing a vehicle that has a built-in theft deterrent system can get you a discount on your insurance coverage. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent auto theft and help lower rates.
  • What’s your car’s safety rating? – Vehicles with good safety scores can get you lower premiums. Safer cars reduce occupant injuries and lower injury rates means your insurance company pays less which can mean better rates for you. If your Acura RDX has ratings of a minimum four stars on you may pay a lower rate.

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Discounts can really help to save

Insurance coverage is not cheap nor is it fun to buy but there may be some discounts to help offset the cost. Some of these disounts will be visible when you quote, but some may not be applied and must be requested specifically before you will receive the discount.

  • Federal Government Employee – Having worked for a branch of the government can save as much as 8% on RDX coverage with select insurance companies.
  • Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class if it’s offered in school.
  • Driving Data Discount – Policyholders that allow companies to analyze vehicle usage remotely such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as they are good drivers.
  • Paperwork-free – A few larger online companies may give you up to $50 for signing up on the internet.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.
  • College Student Discount – Any of your kids who live away from home to go to college and leave their car at home can receive lower rates.
  • Save with More Vehicles Insured – Buying coverage for multiple cars or trucks with the same company can reduce rates for all insured vehicles.
  • Homeowners Discount – Just being a homeowner can save you money because it shows financial diligence.
  • Accident-Free Discounts – Drivers with accident-free driving histories pay less when compared with frequent claim filers.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. Despite the appearance that you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

A few of the larger companies and a selection of discounts include:

  • 21st Century policyholders can earn discounts including air bags, teen driver, defensive driver, 55 and older, student driver, anti-lock brakes, and good student.
  • State Farm may include discounts for passive restraint, Steer Clear safe driver discount, good student, multiple policy, Drive Safe & Save, accident-free, and anti-theft.
  • AAA discounts include multi-car, anti-theft, good student, education and occupation, pay-in-full, and multi-policy.
  • Liberty Mutual may have discounts that include safety features, new move discount, exclusive group savings, good student, preferred payment discount, and multi-policy.
  • Progressive has discounts for multi-policy, multi-vehicle, good student, homeowner, and continuous coverage.

It’s a good idea to ask each insurance company which discounts you qualify for. Savings may not apply to policyholders in your state.

Will just any policy work for me?

When buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions might help in determining whether you will benefit from professional help.

  • What is UM/UIM insurance?
  • Do I really need UM/UIM coverage?
  • How much liability insurance is required?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered when using my vehicle for business?
  • Will my rates increase for filing one claim?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form.

Car insurance coverages and their meanings

Understanding the coverages of your car insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as scraping a guard rail, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Coverage for liability – This will cover injuries or damage you cause to other’s property or people. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things like legal defense fees, repair costs for stationary objects, funeral expenses, court costs and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for expenses for nursing services, doctor visits and surgery. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, damage from flooding, a tree branch falling on your vehicle, fire damage and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

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Get your money’s worth

Consumers who switch companies do it for many reasons like delays in paying claims, poor customer service, denial of a claim and even high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new company can be easier than you think.

There are still a few companies who may not provide the ability to get quotes online and usually these smaller companies sell through independent agents. More affordable insurance coverage is definitely available both online and also from your neighborhood agents, so you need to compare both in order to have the best price selection to choose from.

We just presented some good ideas how you can lower your 2016 Acura RDX insurance car insurance rates. The key concept to understand is the more providers you compare, the better your comparison will be. You may even find the biggest savings come from a lesser-known regional company.

More detailed insurance coverage information can be read by following these links: