2017 Acura RLX Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

UPDATED: Apr 22, 2024

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Want cheaper auto insurance rates for your Acura RLX? I really doubt anyone likes having to buy auto insurance, in particular when they are paying too much. Due to the large number of options, it can be impossible to locate a more affordable auto insurance provider.

Buying affordable protection is easy if you know what you’re doing. If you are insured now or are shopping for new coverage, you can follow these tips to cut your premiums while maintaining coverages. Drivers just need to understand how to get comparison quotes online.

How to get the cheapest auto insurance

Finding a better price on auto insurance is an easy way to save money. All that’s required is to spend a little time comparing rate quotes to see which company has the cheapest insurance quotes. Rate comparisons can be done in several different ways.

The fastest and easiest way to get quotes for comparison is an all-inclusive rate comparison. This quick form saves time by eliminating repetitive form submissions for each price estimate. Just one form gets coverage cost estimates direct from many companies.

A less efficient way to compare rate quotes requires a trip to the website for every company you want to compare and go through the quote process again. For examples sake, we’ll pretend you want to get rates from USAA, Progressive and Travelers. To get rate quotes you would need to go to each individual site and punch in your information repeatedly, which can be really labor intensive.

How you compare quotes is your choice, just ensure you are comparing equivalent coverage data on every quote. If you compare mixed coverages you will not be able to make an equal comparison.

Save money with discounts

Auto insurance companies don’t necessarily list all possible discounts in a way that’s easy to find, so we researched some of the more common as well as some of the hidden credits that may apply to you.

  • Active Service Discounts – Being deployed in the military could be rewarded with lower rates.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Paperwork-free – Many larger companies give back up to $50 just for signing your application on your computer.
  • Good Students Pay Less – A discount for being a good student may save you up to 25%. This discount can apply up to age 25.
  • Theft Deterrent System – Cars equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Discount for Multiple Policies – If you can combine your auto and home policy and place coverage with the same company you could earn a discount of 10% to 20% off each policy.
  • Discount for Passive Restraints – Options like air bags or automatic seat belts can receive discounts of more than 20%.

A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. So despite the fact that it appears you could get a free auto insurance policy, companies wouldn’t make money that way.

A partial list of companies who might offer most of these discounts include:

  • State Farm
  • Liberty Mutual
  • The Hartford
  • MetLife
  • Progressive

Check with all companies you are considering which credits you are entitled to. Savings might not be available to policyholders in your area. To choose providers that offer many of these discounts, enter your zip code here.

Acura RLX insurance premiums can be more affordable

Lots of factors are part of the equation when quoting car insurance. A few of the factors are predictable such as your driving record, although others are not as apparent such as your credit history or how financially stable you are. Consumers need to have an understanding of some of the elements that go into determining your insurance coverage rates. When consumers understand what determines premiums, this allows you to make good choices that will entitle you to better insurance coverage rates.

Shown below are some of the major factors utilized by car insurance companies to help set your prices.

  • Male costs may be higher – Statistics have proven that men are more aggressive behind the wheel. This data doesn’t prove that men are WORSE drivers than women. Both sexes cause at-fault accidents in similar percentages, but guys cause more damage. Not only are claims higher, but men receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
  • Multiple policies with one company can save – Some companies allow a discount to buyers who have multiple policies with them such as combining an auto and homeowners policy. If you currently are using one company, consumers should still comparison shop to help ensure you have the lowest rates.
  • Lower prices with alarm systems – Buying a car that has an advanced theft prevention system can save you a little every year. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent car theft and help bring rates down.
  • Don’t abuse insurance coverage claims – Car insurance companies generally give lower rates to insureds who are claim-free. If you frequently file small claims, you can expect higher premiums or even policy non-renewal. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.
  • Liability protection preserves assets – A critical coverage on your policy, liability insurance will protect you when you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. It is affordable coverage compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • Save money by raising comp and collision deductibles – Deductibles for physical damage tell how much you are willing to pay out-of-pocket if a claim is determined to be covered. Protection for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of covered claims could be rear-ending another vehicle, fire damage, or theft of your vehicle. The more money you choose to pay out-of-pocket, the lower your rates will be on RLX coverage.
  • Good credit saves on insurance coverage – A driver’s credit history is a big factor in calculating your premium rate. People with good credit tend to be better risks to insure than drivers with poor credit scores. Therefore, if your credit history is lower than you’d like, you could be paying less to insure your 2017 Acura RLX by improving your rating.

What is the best insurance coverage?

When buying adequate coverage, there really is no single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover whether your personal situation may require specific advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • How can I get my company to pay me more for my totalled car?
  • Should I buy full coverage?
  • Do I need replacement cost coverage?
  • What is roadside assistance coverage?
  • Can I still get insurance after a DUI?
  • What if I total my 2017 Acura RLX and owe more than it’s worth?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, fill out your zip code. It only takes a few minutes and may give you better protection.

Insurance savings promises

Consumers can’t ignore all the ads that promise big savings for switching by companies like State Farm, Allstate and GEICO. All the ads seem to make the promise that you’ll save big if you just switch your policy.

But how can every company make almost identical claims? This is the way they can do it.

All companies have a preferred profile for the type of driver that will not have excessive claims. One example of a preferred risk may need to be over the age of 45, owns their home, and has a short commute. Any new insured who matches that profile receives the best rates and as a result will probably cut their rates substantially.

Consumers who do not match this stringent profile may be required to pay higher premium rates and this can result in the customer not buying. The trick is to say “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s why insurance companies can confidently state the savings.

This illustrates why it’s extremely important to compare quotes as often as possible. It’s just not possible to know which company will be your best fit.

Coverages available on your car insurance policy

Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages available from car insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for chiropractic care, funeral costs, dental work and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability insurance

This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

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 liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims like legal defense fees, pain and suffering, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Acura RLX.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are set the same as your liability limits.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, hail damage, vandalism and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto collision coverage

This covers damage to your RLX resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with another moving vehicle, rolling your car, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Quote often and quote early

We’ve covered a lot of information how to lower your 2017 Acura RLX insurance rates. The most important thing to understand is the more rate quotes you have, the better likelihood of getting affordable insurance. Consumers could even find that the most savings is with a lesser-known regional company. These companies can often provide lower car insurance rates in certain areas compared to the large companies like State Farm and Allstate.

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.

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