Cheap 1997 Acura SLX Insurance Quotes

Searching for better car insurance rates for your Acura SLX? Expensive Acura SLX insurance can diminish your funds and require stricter spending habits. Comparison shopping can be a smart way to make sure you’re not throwing money away.

With people having so many companies to choose from, it’s nearly impossible to pick a more affordable insurer.

It’s a good idea to do rate comparisons at least once a year because insurance prices tend to go up over time. If you had the best price for SLX insurance last year you can probably find a lower rate today. Block out anything you think you know about car insurance because you’re about to learn how to use online quotes to reduce your cost while improving coverage.

How to buy car insurance online

Getting a cheaper price on 1997 Acura SLX insurance is actually easier than you may think. You just need to invest a little time comparing free car insurance quotes from online providers. This is very easy and can be done in several different ways.

1. The most efficient method consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This style of form saves time by eliminating repetitive form submissions for every company. One simple form will return quotes from car insurance companies with the best prices.
2. A more time consuming way to analyze rates is to manually visit the website of each company to request a price quote. For instance, we’ll assume you are doing a rate comparison from Geico, Progressive and GMAC. To find out each rate you need to go to each individual site to enter your coverage information, which explains why we recommend starting with the first method.

   To view a list of companies in your area, click here.

Which method you use is up to you, but try to keep apples-to-apples coverage limits with every price quote. If the quotes have unequal deductibles or liability limits it’s not possible to decipher which rate is best.

Verify you’re getting every discount

Companies that sell car insurance do not advertise all possible discounts in a way that’s easy to find, so the list below gives a summary of some of the more common and the harder-to-find car insurance savings. If you are not receiving all the discounts you qualify for, you are just wasting money.

• Senior Discount – Mature drivers are able to get a discount up to 10% for SLX insurance.
• No Claims – Claim-free drivers get the best car insurance rates as compared to policyholders that have many claims.
• Savings for New Vehicles – Insuring a new car can be considerably cheaper compared to insuring an older model.
• Passive Restraints – Factory air bags or motorized seat belts can receive discounts of more than 20%.
• Discount for Good Grades – Excelling in school could provide a savings of up to 20% or more. The good student discount can last until age 25.
• Paperwork-free – Certain larger companies will give a small break simply for signing digitally online.
• Fewer Miles Equal More Savings – Keeping the miles down on your Acura can earn lower rates due to less chance of an accident.
• Payment Method – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid monthly service charges.
• Multi-Vehicle Discounts – Insuring multiple vehicles on a single policy may reduce the rate for each vehicle.
• Employee of Federal Government – Active or former government employment may qualify for a discount when you quote car insurance for SLX insurance with certain companies.

We need to note that most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you could get a free car insurance policy, it just doesn’t work that way. Any qualifying discounts will positively reduce the cost of coverage.

A list of car insurance companies and the discounts they provide are shown below.

• Geico may include discounts for anti-lock brakes, defensive driver, driver training, good student, and air bags.
• MetLife may offer discounts for claim-free, good driver, accident-free, multi-policy, and good student.
• Progressive offers discounts including continuous coverage, homeowner, multi-vehicle, online signing, multi-policy, and online quote discount.
• Travelers offers discounts for driver training, IntelliDrive, hybrid/electric vehicle, student away at school, and home ownership.
• SAFECO discounts include bundle discounts, teen safe driver, homeowner, multi-car, safe driver, anti-lock brakes, and anti-theft.
• AAA includes discounts for good driver, anti-theft, good student, pay-in-full, and multi-policy.

If you are trying to find low cost car insurance quotes, ask each insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered on policies in your area.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Each situation is unique so your insurance should reflect that For instance, these questions might point out whether your personal situation could use an agent’s help.

• Should I drop comprehensive coverage on older vehicles?
• Does medical payments coverage apply to all occupants?
• Is upholstery damage covered by car insurance?
• Do I need PIP coverage since I have good health insurance?
• How can I get my company to pay me more for my totalled car?
• Do I need roadside assistance coverage?
• Will I be non-renewed for getting a DUI or other conviction?
• Do I need replacement cost coverage on my 1997 Acura SLX?
• Does my policy cover me when driving someone else’s vehicle?
• Are my friends covered when driving my car?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

What impacts Acura SLX insurance premiums?

Lots of factors are part of the equation when you get a price on insurance. Some of the criteria are obvious like an MVR report, although others are not quite as obvious such as your marital status and annual miles driven.One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that go into determining the level of your policy premiums. If you know what positively or negatively impacts your premiums, this allows you to make good choices that can help you get big savings.

• Your address can affect rates – Choosing to live in less populated areas may provide you with better prices when insuring your vehicles. Fewer drivers means less chance of accidents in addition to fewer liability claims. Drivers in populated areas have more road rage incidents and more severe claims. Higher commute times can result in more accidents.
• Frequent claims increase prices – Car insurance companies award most affordable rates to insureds who are not frequent claim filers. If you are the type of insured that files lots of claims you can definitely plan on much higher rates or policy non-renewal. Insurance coverage is intended for larger claims.
• Youthful drivers are expensive to insure – Beginning drivers have a tendency to be inattentive when driving with friends so they pay higher auto insurance rates. If you’ve ever had to add a first-time driver to your auto insurance policy can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and tend to be get fewer driving tickets.
• Always keep your coverage in force – Driving without insurance is a misdemeanor and as a result your rates will increase for letting your coverage cancel without a new policy in place. In addition to paying higher rates, being ticketed for driving with no insurance could earn you a hefty fine and possibly a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
• Drive less and get lower premiums – Driving a lot of miles annually the more it will cost to insure it. A lot of insurance companies calculate rates determined by how the vehicle is used. Vehicles not used for work or commuting can get a lower rate than cars that get driven a lot. Make sure your policy correctly shows annual mileage. An improperly rated SLX may be costing you.
• Marriage reduces risk – Your spouse may save some money on auto insurance. Having a significant other demonstrates that you tend to be more mature and responsible and statistics prove married drivers tend to have fewer serious accidents.
• Liability coverage – Your policy’s liability coverage will protect you in the event that you are found liable for damages caused by your negligence. It provides for a legal defense to defend your case. This coverage is very inexpensive when compared to the cost of physical damage coverage, so do not skimp.

Can switching companies really save?

Consumers constantly see and hear ads that promise big savings for switching from the likes of Progressive, Geico, Allstate and State Farm. They all state the claim that you’ll save big after switching your policy.

How is it plausible that every one can charge lower premium rates?

All companies look for specific characteristics for the type of customer that will generate a profit. For example, this type of risk profile should be over the age of 50, carries full coverage, and has a high credit rating. A driver that matches those criteria receive the lowest rate quotes and will save some money.

People who are not a match for this ideal profile may receive a more expensive rate which leads to the customer not purchasing. If you pay attention, the ads say “people that switch” but not “all drivers who get quotes” save that kind of money. This is how companies can make it sound like they have such great car insurance rates. This really drives home the point why you really need to compare rate quotes every year. It is just not possible to predict which company will be your best fit.

Car insurance coverages for a 1997 Acura SLX

Having a good grasp of a auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages offered by auto insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses for things like X-ray expenses, EMT expenses and nursing services. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for liability

This coverage will cover damage that occurs to other people or property. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as pain and suffering, legal defense fees, structural damage, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Acura SLX.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, vandalism, theft, damage from getting keyed and hitting a bird. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

A penny saved is a penny earned

You just read many tips how you can get a better price on 1997 Acura SLX insurance. The key thing to remember is the more providers you compare, the higher your chance of finding inexpensive car insurance. You may even find the most savings is with an unexpected company. They can often provide lower car insurance rates in certain areas as compared to the big name companies such as Allstate or State Farm.

Some companies do not provide online rate quotes regional carriers provide coverage only through local independent agents. Lower-priced 1997 Acura SLX insurance can be purchased online in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture.

Additional insurance coverage information is located at these links:

• What is a Telematics Device? (Allstate)
• Child Safety FAQ (iihs.org)
• Safety Belts FAQ (iihs.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)