2000 Acura RL Car Insurance Rates

Expensive insurance coverage can bleed your budget and make it tough to pay other bills. There are many insurance companies to insure vehicles with, and even though it’s nice to be able to choose, having more car insurance companies makes it harder to find the best rates for your vehicles.

You need to compare prices once or twice a year since insurance prices are constantly changing. Just because you found the lowest price for RL insurance a year ago a different company probably has better rates today. Block out anything you think you know about insurance coverage because you’re going to learn the fastest way to find better rates and still maintain coverage.

Buying car insurance is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to cut costs considerably using this information. Consumers just need to know the most efficient way to get comparison quotes online.

Get more affordable car insurance with these tips

Lots of things are considered when premium rates are determined. Some are pretty understandable such as your driving record, but other criteria are not as apparent like your continuous coverage or your financial responsibility.

  • Gals pay lower prices – Statistics have proven that men are more aggressive behind the wheel. The data does not necessarily mean that women are BETTER drivers than men. Females and males are responsible for at-fault accidents in similar numbers, but guys tend to have higher claims. Men also statistically receive more costly citations like DUI and reckless driving.
  • What are good liability coverage limits? – Liability insurance is the coverage that protects you in the event that you are found liable for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense coverage to defend your case. Liability insurance is pretty cheap compared to physical damage coverage, so do not cut corners here.
  • Safer cars means cheaper insurance – Vehicles with high crash test scores are cheaper to insure. These vehicles help reduce the chance of injuries in an accident and lower injury rates translates into fewer and smaller insurance claims and cheaper rates on your policy.
  • Raising physical damage deductibles lowers premiums – Protection for physical damage, also called comprehensive and collision insurance, protects your Acura from damage. Some examples of covered claims are a broken windshield, vandalism, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles represent how much money you are required to spend if a claim is determined to be covered. The more you’re willing to pay, the better rate you will receive for RL insurance.
  • Cheaper rates after marriage – Having a spouse can actually save you money when buying car insurance. It may mean you are more mature and it’s proven that married drivers get in fewer accidents.
  • Pleasure use saves money – Driving a lot of miles each year the more you will pay for car insurance. Most insurance companies charge rates based upon how the vehicle is primarily used. Cars and trucks not used for work or commuting receive better premium rates than cars that get driven a lot. Verify your car insurance policy shows the right rating data. An improperly rated RL can result in significantly higher rates.
  • See if your company offers a multi-policy discount – Lots of companies give better rates to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to check prices from other companies to help ensure you have the lowest rates.
  • lapses raise prices – Having an insurance coverage lapse is a guaranteed way to increase your rates. Not only will rates go up, not being able to provide proof of insurance might get you a fine, jail time, or a revoked license.

Car insurance quotes comparison

There are a lot of ways to compare car insurance quotes, but there is one way that is less time-consuming than others. You can spend your afternoon talking to insurance agencies in your area, or you could save time and use online quotes for quick rates.

Most major companies take part in a program where prospective buyers only type in their quote data once, and every company can provide price quotes for coverage. This eliminates the need for form submissions for each company.

To compare pricing click here (opens in new window).

The only drawback to getting quotes like this is buyers cannot specifically choose which insurance companies to receive prices from. If you would rather choose individual companies to receive pricing from, we put together a list of car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just be sure to compare nearly identical coverage limits and deductibles with each company. If you have different deductibles it will be next to impossible to make an equal comparison.

Affordable car insurance quotes with discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts that many consumers don’t even know exist. A few discounts will be applied when you complete an application, but less common discounts must be asked about before being credited.

  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you can avoid monthly service charges.
  • Telematics Data Discounts – People who choose to allow their company to track their driving habits by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they exhibit good driving behavior.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it can save substantially.
  • Accident Free – Insureds with no claims or accidents get the best car insurance rates in comparison with accident-prone drivers.
  • Defensive Driver Discounts – Participating in a class that teaches safe driver techniques may get you a small discount and make you a better driver.
  • Multi-Vehicle Discounts – Drivers who insure primary and secondary vehicles on the same car insurance policy can reduce the rates for all insured vehicles.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.

Keep in mind that most of the big mark downs will not be given the the whole policy. Most cut specific coverage prices like collision or personal injury protection. Even though the math looks like adding up those discounts means a free policy, it just doesn’t work that way.

To choose insurers who offer discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For example, these questions may help you determine if your insurance needs could use an agent’s help.

  • What can I do if my company denied a claim?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my Acura RL covered if I use it for business?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does liability extend to a camper or trailer?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is my 2000 Acura RL covered for smoke damage?
  • When do I need to add a new car to my policy?
  • Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage specifics

Understanding the coverages of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average auto insurance policy.

Auto collision coverage

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

Collision can pay for things like colliding with a tree, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.


Liability insurance provides protection from damage or injury you incur to other’s property or people. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as loss of income, court costs and medical expenses. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, a broken windshield and damage from flooding. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Acura RL.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like ambulance fees, nursing services, hospital visits and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Save your hard earned cash

We just covered many ideas to shop for 2000 Acura RL insurance online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding the cheapest auto insurance. You may even discover the best prices are with a smaller regional carrier. These companies may only write in your state and offer lower rates than their larger competitors like State Farm, Geico and Nationwide.

When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. There are many occasions where someone dropped uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal is to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

Some insurance companies do not offer online price quotes and many times these small, regional companies work with independent agents. Low-cost 2000 Acura RL insurance is possible on the web as well as from independent agents, and you should compare price quotes from both to get a complete price analysis.

Additional auto insurance information can be read at these links:

Comments About 2000 Acura RL Insurance

  1. Collin Valenzuela

    I got quite a few price quotes for a 2000 Acura RL in Colorado Springs, Colorado. Ended up at right around $60 every six months with AAA. Have a couple speeding tickets too.

  2. Karan Pugh

    I chose to switch to 21st Century from AIG Insurance. I live in Boise, Idaho. Was with AIG Insurance. Online quotes are the way to go. I don’t put full coverage on it.

  3. Caitlyn Jordan

    Nice info. I’m in the east part of Davenport, IA. Checked online prices for a 2000 Acura RL. Ended up at about $100 savings annually. Went with Progressive. I get lower rates because of my clean driving record. Anyone else drop full coverage?

  4. Rossie Kidd

    Affordable car insurance is a myth. Lifelong resident of Bridgeport, CT. Went online for free insurance quotes for a 2000 Acura RL. Ended up at about $80 savings annually. Went with GEICO.

  5. Sue Abbott

    Can I get replacement cost coverage for a 2000 Acura RL?

  6. Emilee Richardson

    Cheaper car insurance is a myth. Checking in from Oklahoma City, OK. Checked online prices for a 2000 Acura RL. Ended up at about $110 savings annually. Went with 21st Century. I have a teen driver too. When should I drop full coverage?

  7. Scotty Hartman

    Like your site, BTW. I live just to the south of Portland, OR. I quoted with Safeco, Farmers, Progressive, and Auto-Owners for my Acura and I’m now saving $16 a month. Left AIG Insurance to switch. Just liability coverage since it’s getting old.

  8. Rhett Little

    Cheaper not always better. From east side of West Valley City, UT. Quoted prices from Progressive, American Family, and Eastwood for my 2000 Acura RL and saved $63 a year. Insured with 21st Century before. Thankfully I’m not a high risk driver. It never hurts to quote around.

  9. Amber Vega

    I’m in the suburbs of Wilmington, Delaware. I compared lots of rates. Saved right around $20 a month. Allstate was the best choice for me. BTW speeding tickets are not good.

  10. Renae Potts

    I live on the east side of Detroit, MI. Can’t remember who all I quoted but I ended up saving about $30 each month. Was with American Family. Good savings if you bundle. Are quotes cheaper online? Just liability coverage since it’s getting old.

  11. Debbi Gilbert

    I got quite a few price quotes for a 2000 Acura RL in Frederick, MD. Ended up at roughly $100 every six months with American Family. Left Liberty Mutual to switch. They offer free online rate quotes.

  12. Stacia Wilkerson

    From northwest of Fairbanks, AK. Got car insurance rates from AIG Insurance, Sentry, and some smaller one I can’t remember the name of for my RL and saved $91 a year. Even increased my liability limits. Bought it from an online quote.

  13. Viva Huffman

    In Fargo, ND, AAA had the best rates for my 2000 Acura RL.

  14. Helen Haley

    In Columbus, Georgia, 21st Century auto insurance rates for my 2000 Acura RL were good. Not sure about claim service. Full coverage costs too much.

  15. Marcellus Pace

    IT’S ALL TOO EXPENSIVE! Located in Tacoma, WA. Received quotes with AIG Insurance, Nationwide, and some smaller one I can’t remember the name of for my Acura and saved $91 a year. Was with Farmers. Teenage drivers are expensive! It’s too old for full coverage.

  16. Francoise Cherry

    21st Century is decent in Billings, Montana.

  17. Anissa Harmon

    If you have a good history and are close to Newark, NJ, check out GEICO. You might get cheaper rates. Even increased coverage a bit.