Lower Your 1996 Acura RL Insurance Quotes

Trying to find better insurance rates for your Acura RL? Having to pay for pricey insurance can bleed your savings account and force you to make tough financial choices. Comparing price quotes can lower your rates and help to lower your monthly bill.

Insurance companies such as Geico, 21st Century and Progressive all claim big savings, bombarding you with catchy ads and consumers find it hard to avoid their marketing magic and effectively compare rates to find the best deal.

It is always a good idea to check insurance prices at least once a year because insurance prices change frequently. Despite the fact that you may have had the best price for RL coverage a couple years back there may be better deals available now. Block out anything you think you know about insurance because we’re going to demonstrate the easiest way to find the best coverage while lowering your premiums.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this information. Buying car insurance is easy if you know what you’re doing. Nevertheless, vehicle owners must know how the larger insurance companies market insurance on the web.

The fastest way that we advise to compare rates takes advantage of the fact most larger insurance companies pay for the opportunity to give free rates quotes. To get started, all you need to do is provide details such as your credit rating estimate, daily mileage, your education level, and deductibles desired. That rating data is then sent to multiple insurance coverage providers and they provide comparison quotes with very little delay.

Are you getting every discount?

Insurance coverage is neither fun to buy or cheap, but companies offer discounts that you may not even know about. A few discounts will be applied when you quote, but some must be specifically requested before you will receive the discount. If you do not double check each discount you deserve, you could be getting lower rates.

• Claim-Free Discount – Good drivers with no accidents get the best insurance coverage rates as opposed to bad drivers.
• Federal Employees – Simply working for the federal government can save as much as 8% for RL coverage with a few insurance coverage companies.
• Discounts for Cautious Drivers – Insureds without accidents can save up to 40% or more on their insurance quote for RL coverage as compared to drivers with claims.
• One Accident Forgiven – Not really a discount, but companies like Geico and Liberty Mutual may permit one accident before your rates go up so long as you are claim-free for a specific time period.
• Clubs and Organizations – Belonging to specific professional or occupational memberships or organizations is a good way to get lower rates when shopping for insurance coverage.
• Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and will save you 10% or more.

As a footnote on discounts, most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, that’s just not realistic.

A few popular companies and their possible discounts are shown below.

• Travelers may include discounts for driver training, payment discounts, home ownership, good student, student away at school, and hybrid/electric vehicle.
• 21st Century policyholders can earn discounts including early bird, homeowners, theft prevention, good student, and driver training.
• State Farm offers premium reductions for Steer Clear safe driver discount, defensive driving training, good driver, multiple autos, accident-free, Drive Safe & Save, and multiple policy.
• Geico offers discounts including military active duty, emergency military deployment, seat belt use, five-year accident-free, multi-policy, multi-vehicle, and defensive driver.
• SAFECO has savings for drive less, homeowner, multi-car, teen safety rewards, and teen safe driver.
• AAA includes discounts for good driver, multi-car, AAA membership discount, education and occupation, and multi-policy.

Double check with every insurance company which discounts can lower your rates. Some discounts may not apply to policyholders in your area.

What determines Acura RL insurance premiums?

Consumers need to have an understanding of the factors that are used to determine insurance coverage rates. If you have a feel for what controls the rates you pay, this helps enable you to make changes that may reward you with lower insurance coverage prices.

• Get better rates if married – Getting married may save some money on your insurance coverage policy. Having a spouse is viewed as being less irresponsible it has been statistically shown that married couples file fewer claims.
• Never let your policy expire – Driving your car without having proper coverage is a big no-no and as a result your rates will increase for letting your insurance expire. In addition to paying higher rates, the inability to provide proof of insurance may result in fines or a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
• Rates can drop if you have more than one policy – The majority of insurance companies will give discounts to clients who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to shop around to guarantee you are still saving the most.
• Your career may increase premiums – Careers like fire fighters, executives and financial analysts have higher rates than the rest of us in part from high stress levels and lengthy work days. On the flip side, occupations like actors, engineers and performers pay the least for RL coverage.
• How much liability – The liability coverage on your policy is the coverage that protects you if you are ruled to be at fault for personal injury or accident damage. Liability insurance provides for a legal defense which can cost a lot. Liability is cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
• Extra policy coverages push up prices – There are quite a few optional add-on coverages that can waste your money but may not be useful. Insurance for rental car coverage, accident forgiveness, and extra life insurance coverage are probably not needed. These may sound like a good investment when buying your policy, but if they’re wasting money remove them from your policy.

When in doubt talk to an agent

When buying adequate coverage, there is no best way to insure your cars. Every situation is different so your insurance needs to address that. For instance, these questions can aid in determining if you may require specific advice.

• When would I need additional glass coverage?
• Who is covered by my policy?
• Does car insurance cover theft of personal property?
• Can I afford to buy a different vehicle if my 1996 Acura RL is totaled?
• Do I have coverage when pulling a U-Haul trailer?
• Do I need to file an SR-22 for a DUI in my state?
• How much liability insurance is required?
• Should I have a commercial auto policy?
• How does medical payments coverage work?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

The coverage is in the details

Having a good grasp of insurance helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Acura RL.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage (or Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, fire damage, hail damage and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like surgery, chiropractic care, dental work and pain medications. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability auto insurance – This provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

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 values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for things like medical services, emergency aid and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – Collision coverage covers damage to your RL 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 coverage pays for claims such as colliding with another moving vehicle, scraping a guard rail, damaging your car on a curb, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Smart shoppers get results

We just showed you some good ideas how you can lower your 1996 Acura RL insurance rates. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Drivers may discover the most savings is with a company that doesn’t do a lot of advertising. Regional companies may only write in your state and offer lower car insurance rates than their larger competitors like Allstate, Geico and Progressive.

Lower-priced 1996 Acura RL insurance can be purchased from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not offer internet price quotes and these smaller providers prefer to sell through local independent agents.

As you shop your coverage around, you should never reduce coverage to reduce premium. There are a lot of situations where an insured dropped collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at the best possible price and still be able to protect your assets.

Even more information is available at these sites:

• Choosing a Car for Your Teen (State Farm)
• Collision Insurance Coverage (Nationwide)
• Speed and Speed Limit FAQ (iihs.org)
• How to Avoid Common Accidents (State Farm)
• Auto Insurance Basics (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)