1999 Acura RL Insurance Rates

Looking for better car insurance rates for your Acura RL? Overpriced car insurance can stress out your budget and force you to tighten up your finances. Doing a price comparison is a fast and free way to lower your monthly bill.

People have many auto insurance companies to insure vehicles with, and though it is a good thing to have a choice, more choices can make it harder to compare rates and find the lowest cost car insurance.

Seven tips to get lower-cost insurance prices

An important part of buying insurance is that you know the different types of things that help determine the level of your policy premiums. If you know what determines base rates, this helps enable you to make changes that may reward you with lower premium levels. Many things are part of the calculation when pricing auto insurance. Some are obvious such as traffic violations, although others are more transparent like your vehicle usage and annual miles driven.

The following are some of the most rate-impacting factors used by companies to determine prices.

• Urban residents pay more – Having an address in less populated areas of the country has it’s advantages when it comes to car insurance. People who live in big cities have to deal with more traffic problems and longer commutes to work. Lower population means less chance of accidents in addition to fewer liability claims.
• Safety first – Vehicles with high crash test scores tend to have better insurance rates. Vehicles built for safety reduce injuries and fewer injuries translates directly to fewer claims and more competitive rates for policyholders.
• What are your physical damage deductibles? – Physical damage insurance, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Acura. A few examples of covered claims are a dented fender, damage caused by hail, and damage caused by flying debris. Your deductibles define the amount you are required to pay if the claim is covered. The more damage repair cost you choose to pay out-of-pocket, the less your company will charge you for insurance on RL insurance.
• Vehicle features impact car insurance rates – Choosing to buy a car that has an advanced theft prevention system can help lower your premiums. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft and help bring rates down.
• Driving citations are costly – Attentive drivers pay lower auto insurance prices than bad drivers. Getting just one driving citation may increase your cost by as much as thirty percent. Drivers who get serious violations such as hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent their license from being revoked.
• Premiums impacted by vehicle usage – The more you drive each year the more you will pay for car insurance. The majority of insurers calculate rates based on their usage. Autos left parked in the garage can be on a lower rate level than vehicles that are driven to work every day. Having an incorrect usage rating on your RL may be costing you. Double check that your policy correctly shows the right rating data.
• Only buy coverage you need – There are quite a few extra add-on coverages you can purchase on your 1999 RL policy. Things like personal injury protection, better glass coverage, and Farm Bureau memberships may be costing you every month. You may think they are a good idea when discussing your needs, but your needs may have changed so eliminate them to save money.

Drivers can save with with these discounts

Companies that sell car insurance don’t list the entire discount list very well, so here is a list a few of the more well known as well as some of the hidden credits that may apply to you.

• College Student – Any of your kids who live away from home to go to college without a vehicle on campus could get you a discount.
• Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and will qualify for a discount on a auto insurance quote.
• Military Rewards – Being deployed with a military unit may lower your premium rates slightly.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems prevent accidents so you can save 10 percent or more.
• One Accident Forgiven – This one isn’t a discount, but a few companies such as State Farm and Progressive may permit one accident without the usual rate increase as long as you don’t have any claims for a set time period.
• Full Payment Discount – If you can afford to pay the entire bill instead of paying each month you can actually save on your bill.
• Save over 55 – If you’re over the age of 55, you may be able to get a discount up to 10% on RL insurance.
• Sign Online – A few larger online companies provide a small discount for buying your policy on your computer.
• Club Memberships – Participating in a civic or occupational organization may earn a discount on your next insurance coverage statement.
• No Accidents – Drivers with accident-free driving histories pay less in comparison with bad drivers.

One last thing about discounts, most credits do not apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. Despite the appearance that you could get a free insurance coverage policy, insurance companies wouldn’t stay in business.

Companies and their possible discounts can be read below.

• State Farm discounts include Steer Clear safe driver discount, student away at school, defensive driving training, multiple autos, good student, and accident-free.
• Geico has savings for anti-theft, five-year accident-free, good student, daytime running lights, and emergency military deployment.
• SAFECO may offer discounts for anti-lock brakes, drive less, accident prevention training, homeowner, bundle discounts, teen safety rewards, and teen safe driver.
• Farmers Insurance offers premium reductions for multi-car, pay in full, business and professional, alternative fuel, and teen driver.
• AAA has discounts for multi-policy, pay-in-full, AAA membership discount, good driver, education and occupation, multi-car, and good student.
• USAA policyholders can earn discounts including driver training, military installation, vehicle storage, annual mileage, and new vehicle.

Before you buy a policy, ask every insurance company which discounts they offer. Some discounts listed above may not apply to policies in every state. If you would like to view insurance coverage companies that have a full spectrum of discounts, click this link.

Are you falling for claims of savings?

Popular insurance providers such as Allstate and Progressive endlessly run television and radio advertisements. All the ads try to convey promises that you can save if you change to them. How do they all sell you cheaper insurance coverage? This is how they do it.

Many companies have underwriting criteria for the type of driver they prefer to insure. A good example of a driver they prefer may be over the age of 35, owns a home, and chooses high deductibles. A propective insured who matches those parameters is entitled to the best price and therefore will save a lot of money.

Consumers who may not quite match these criteria will have to pay higher premiums which leads to the prospect going elsewhere. If you pay close attention to the ads, they say “drivers that switch” not “all people who quote” save that much when switching. That is how insurance companies can confidently make claims that they all have the best premium rates. Each company has different criteria, so you should compare many company’s premium rates. Because you never know the company that will have the best car insurance rates at this point in time.

Your situation helps dictate your coverage

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.

• Does my 1999 Acura RL need full coverage?
• I have good health insurance, so how much medical payments coverage do I need?
• Who is covered when they drive my 1999 Acura RL?
• Is business equipment covered while in my vehicle?
• Should I get collision insurance on every vehicle?
• Why am I required to buy liability insurance?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area.

The coverage is in the details

Having a good grasp of insurance can be of help when determining appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for bills for surgery, nursing services, funeral costs and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage – Collision coverage will pay to fix damage to your RL resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, backing into a parked car, hitting a parking meter, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Acura RL.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Auto liability insurance – This coverage can cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as court costs, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive coverage – 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 and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, theft and rock chips in glass. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Do the work, save more money

More affordable auto insurance is possible both online and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide the ability to get a quote online and most of the time these small insurance companies only sell through independent insurance agencies.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. Too many times, an insured cut collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at the best possible price, but do not skimp to save money.

Even more information can be read at these sites:

• Tread Depth and Tire Safety (State Farm)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)