Compare 2018 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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When searching for lower-priced insurance, are you frustrated by the wide range of car insurance sources? Many other people are too. Drivers have so many choices that it can be a big hassle to find the perfect company for you.

Consumers should take time to get comparison quotes periodically since prices change quite often. Just because you had the lowest price for RLX coverage a couple years back you can probably find a better rate quote now. Forget all the misinformation about car insurance because you’re about to learn the proper way to lower your rates without sacrificing coverage.

Finding car insurance

When looking for affordable insurance coverage quotes, there are a couple ways of comparing rates from many available car insurance companies in your state. The easiest way by far to find competitive Acura RLX insurance rates involves getting comparison quotes online. This is quite simple and can be completed in several different ways.

  1. Without a doubt, the easiest way to get the best comparison quotes is an all-inclusive rate comparison. This quick form keeps you from doing separate quote forms for every car insurance company. A single, simple form compares rates from all major companies. It’s the quickest way to get rates.
  2. A slightly less efficient method to get comparison quotes requires you to visit the website for each individual company and get a separate price quote. For example, we’ll pretend you need rates from State Farm, Progressive and GEICO. To find out each rate you need to spend time going to each site individually to enter your coverage information, which is why the first method is quicker.

Whichever method you choose, make sure you compare identical information on every price quote you get. If you have higher or lower deductibles it will be very difficult to make a fair comparison for your Acura RLX. Quoting even small variations in insurance coverages or limits may result in large price differences. And when comparing car insurance rates, know that more quotes provides better odds of finding the best offered rates.

Discounts can really help to save

Some providers do not list every available discount in an easy-to-find place, so we researched a few of the more well known and the more hidden credits available to lower your premiums when you buy insurance coverage online.

  • Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it can save substantially.
  • Low Mileage – Keeping the miles down on your Acura can qualify you for slightly better rates than normal.
  • Good Student – Being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.
  • Discounts for Safe Drivers – Safe drivers can save up to 40% or more on their insurance coverage quote for RLX coverage compared to rates paid by drivers with frequent claims.

Discounts save money, but please remember that most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like it’s possible to get free car insurance, nobody gets a free ride. Any amount of discount will reduce your policy cost.

A few popular companies and some of the discounts can be found below.

  • State Farm offers premium reductions for good student, driver’s education, anti-theft, multiple autos, Drive Safe & Save, Steer Clear safe driver discount, and good driver.
  • Progressive discounts include good student, multi-policy, continuous coverage, online quote discount, online signing, and homeowner.
  • Travelers has savings for payment discounts, continuous insurance, home ownership, multi-policy, multi-car, hybrid/electric vehicle, and good student.
  • American Family policyholders can earn discounts including good driver, defensive driver, accident-free, early bird, and good student.
  • Liberty Mutual may offer discounts for hybrid vehicle, preferred payment discount, exclusive group savings, new move discount, newly married, and multi-policy.

Before you buy a policy, ask every prospective company which discounts they offer. A few discounts may not be available in your area.

Informed consumers save money

Multiple criteria are part of the equation when you quote your car insurance policy. A few of the factors are predictable like your driving record, but others are more transparent such as your credit history and annual miles driven. A large part of saving on insurance coverage is knowing some of the elements that are used to determine insurance coverage rates. If you have some idea of what determines base rates, this allows you to make good choices that may result in cheaper rates.

  • Policy add-ons can waste money – Insurance companies have many additional extra coverages that can waste your money when buying insurance coverage. Add-on coverages like rental car coverage, towing, and term life insurance are examples of these. These may sound like a good investment when deciding what coverages you need, but your money might be better spent on other coverage so get rid of them and save.
  • Bundle policies with the same company – Most major companies apply discounts to people who buy several policies from them. It’s known as a multi-policy discount. Even if you’re getting this discount you still need to check prices from other companies to guarantee you are still saving the most. It’s possible to still save money even if you have your coverage with different companies.
  • Don’t cut corners with liability coverage – The liability section of your policy is the coverage that protects you when a jury decides you are liable for an accident. Your policy’s liability insurance provides for a legal defense to defend your case. This coverage is very inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Higher rates for specific employers – Did you know that where you work can have an impact on rates? Occupations like doctors, executives and miners tend to have the highest average rates attributed to intense work situations and incredibly demanding work hours. On the flip side, occupations such as professors, historians and homemakers generally pay rates lower than average for RLX coverage.
  • Prices can change based on your address – Living in a small town is a good thing if you are looking for the lowest rates. Residents of big cities regularly have more traffic problems and longer commutes to work. Fewer drivers and short commutes translates into fewer accident claims and a lower car theft rate.

Will just any policy work for me?

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

For instance, these questions can aid in determining whether you could use an agent’s help.

  • Does my medical payments coverage pay my health insurance deductible?
  • Why am I required to get a high-risk car insurance policy?
  • Should I buy additional glass protection?
  • Is rental equipment covered for theft or damage?
  • What is no-fault insurance?
  • What is UM/UIM insurance?
  • Is business property covered if stolen from my car?
  • Should I buy only the required minimum liability coverage?
  • When do I need to add a new car to my policy?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and enter your zip code.

The auto insurance bait and switch

Auto insurance providers like State Farm, GEICO and Progressive seem to constantly run television and radio advertisements. They all make an identical promise that drivers will save a bundle just by switching your coverage to them. How is it plausible that every one can give you a better price? Here is how they do it.

Most companies have strict underwriting profiles for a prospective insured that will be a good risk. A good example of this type of insured could possibly be between 30 and 50, carries full coverage, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters will get the preferred premium rates and have a good chance to save quite a bit of money when switching.

Consumers who are not a match for the requirements must pay a higher premium and the prospect going elsewhere. The ads state “customers who switch” but not “everyone who gets a quote” save that much money. That’s why insurance companies can lure you into getting a quote. Because each company has a different risk profile, you really should quote coverage with many companies. Because you never know which auto insurance company will have better rates than you’re paying now.

Car insurance coverages 101

Having a good grasp of your car insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Collision coverage

This pays for damage to your RLX caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like backing into a parked car, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses for things like surgery, pain medications, funeral costs, prosthetic devices and doctor visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

This coverage will cover injuries or damage you cause to other’s property or people. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability insurance covers claims such as medical services, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, vandalism, a broken windshield and damage from flooding. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2018 Acura RLX.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Take this to the bank

You just learned many ways to shop for 2018 Acura RLX insurance online. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding the cheapest insurance coverage. Consumers may even find the biggest savings come from some of the lesser-known companies.

When you buy insurance coverage online, you should never buy poor coverage just to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at the lowest possible cost, but don’t skip important coverages to save money.

Consumers change insurance companies for many reasons like high rates after DUI convictions, an unsatisfactory settlement offer, delays in paying claims and even policy non-renewal. No matter why you want to switch, switching companies can be easier than you think.

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