2005 Acura RL Car Insurance Rates – 9 Ideas for Cheaper Quotes

Want the cheapest insurance coverage rates for your Acura RL? Are you irritated from scraping the payment together each month for insurance coverage? You are in the same boat as the majority of other people. People have multiple insurance companies to choose from, and although it’s nice to be able to choose, it can be more difficult to find the best rates.

Affordable insurance coverage rates with discounts

Car insurance companies do not list every possible discount in a way that’s easy to find, so the below list has a few of the more well known as well as some of the hidden savings tricks you should be using when you buy insurance coverage online. If you don’t get every credit you qualify for, it’s possible you qualify for a lower rate.

  • Accident Waiver – but some companies like Progressive, Allstate, and Liberty Mutual permit an accident before they charge you more for coverage with the catch being you have to be claim-free prior to being involved in the accident.
  • Discounts for Multiple Vehicles – Having more than one vehicle on the same insurance coverage policy can reduce rates for all insured vehicles.
  • Onboard Data Collection – Insureds who allow data collection to track driving patterns by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate may see discounts if their driving habits are good.
  • Save with a New Car – Buying insurance coverage on a new vehicle can get you a discount because newer models have to meet stringent safety requirements.
  • Theft Deterent System – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your insurance coverage quote.
  • Discount for Swiching Early – A few insurance coverage companies allow discounts for buying a policy prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Anti-lock Brake System – Cars and trucks equipped with ABS or steering control can stop better under adverse conditions and the ABS can save up to 10%.
  • Active Military Service – Being deployed in the military could qualify you for better premium rates.
  • Good Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% for RL coverage than drivers with accident claims.

You can save money using discounts, but some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, that’s just not realistic.

A few popular companies and some of the discounts are shown below.

  • Geico includes discounts for anti-theft, federal employee, air bags, emergency military deployment, driver training, five-year accident-free, and anti-lock brakes.
  • MetLife may offer discounts for defensive driver, good student, multi-policy, good driver, and claim-free.
  • State Farm policyholders can earn discounts including multiple policy, driver’s education, multiple autos, good student, defensive driving training, Steer Clear safe driver discount, and anti-theft.
  • Progressive discounts include multi-policy, continuous coverage, homeowner, multi-vehicle, online quote discount, online signing, and good student.
  • Mercury Insurance may include discounts for multi-car, location of vehicle, annual mileage, professional/association, and accident-free.
  • 21st Century offers premium reductions for student driver, driver training, early bird, air bags, theft prevention, homeowners, and anti-lock brakes.
  • Allstate offers discounts including anti-lock brakes, utility vehicle, safe driver, senior citizen, premier plus, FullPay discount, and premier discount.

Before buying, ask every insurance company to apply every possible discount. Some discounts listed above might not be offered on policies in your area. To locate insurance companies who offer online insurance coverage quotes, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight whether you would benefit from an agent’s advice.

  • How much can I save by bundling my policies?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered by my spouse’s policy after a separation?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered when delivering products for my home-based business?
  • Are there companies who specialize in insuring high-risk drivers?
  • When should I not file a claim?
  • What if I owe more than I can insure my car for?
  • Should I waive the damage coverage when renting a car?
  • Where can I find DUI or SR-22 insurance?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Can you really save if you switch?

Drivers can’t escape the ads for auto insurance savings by Geico, State Farm and Progressive. All the companies advertise claims that drivers can save some big amount after switching your coverage.

How can each company have lower policy pricing? Just pay attention to how they say it.

Insurance providers are able to cherry pick for the type of customer that earns them the most money. An example of this type of driver could possibly be over the age of 40, has no claims, and does not commute to work. A driver who matches those parameters will probably get cheap prices and as a result will probably save some money.

Drivers who fall outside the requirements will probably be forced to pay higher premium rates and this results in the prospect going elsewhere. If you pay close attention to the ads, they say “customers that switch” not “everyone that quotes” save that kind of money. That’s the way companies can make those statements. This really drives home the point why drivers must compare many company’s car insurance rates. You cannot predict which company will fit your personal profile best.

Car insurance coverage breakdown

Having a good grasp of a car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on the average car insurance policy.


Liability insurance will cover damages or injuries you inflict on people or other property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have 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 insurance covers claims such as court costs, repair costs for stationary objects, pain and suffering and medical services. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your 2005 Acura RL.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, theft and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

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

Collision coverage pays for claims like colliding with a tree, driving through your garage door, hitting a mailbox, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for expenses like EMT expenses, hospital visits, pain medications, doctor visits and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Buy online or local, you save

Low-cost 2005 Acura RL insurance can be bought on the web and with local insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who may not offer online price quotes and many times these smaller providers only sell through independent insurance agents.

Throughout this article, we presented some good ideas how to shop for 2005 Acura RL insurance online. It’s most important to understand that the more times you quote, the better your chances of lowering your car insurance rates. You may be surprised to find that the most savings is with some of the smallest insurance companies. They often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate or State Farm.

When trying to cut insurance costs, never buy poor coverage just to save money. There are too many instances where an insured dropped liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

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Comments About 2005 Acura RL Insurance

  1. Merri Foley

    Here’s my info. I’m in the suburbs of Columbus, Georgia. Got free quotes online for a 2005 Acura RL. Ended up at about $450 savings annually. Went with Progressive. Insured with AAA before. It never hurts to quote around.

  2. Paige Miles

    Anyone compare GEICO and State Farm rates in Rochester, MN?

  3. Regenia Mcintosh

    Checking in from Nampa, Idaho. Received rates from 21st Century, AAA, and some I forget for my 2005 Acura RL and I’m now saving $55 a month. Have a couple speeding tickets too. I just quoted rates online.

  4. Melania Navarro

    Thanks for putting this site together. I’m in the north part of Dover, DE. Don’t remember every company but I ended up saving about $50 each month. Good savings if you bundle.

  5. Hermina Sandoval

    I was with GMAC last year but switched to State Farm. Checking in from Charlotte, NC. Was with AIG Insurance. Just go online and compare their rates.

  6. Laverna Palmer

    I’m looking for cheaper coverage. I’m from Cranston, RI. Compared quite a few companies. Saved darn near $30 a month. Allstate was the best choice for me.

  7. Eveline Santos

    If you have a clean record and are close to Evansville, IN, check out State Farm. They seem to be cheaper.

  8. Liberty Guerra

    Why are claims settled so low?

  9. Valorie Cline

    Just a quick comment on my experience. I live in a small town just outside of Phoenix, AZ. I compared lots of rates. Saved roughly $60 a month. Allstate was the most affordable for me.

  10. Leeanne Mccall

    I’m in the west part of Kansas City, KS. I don’t recall every quote but I ended up saving about $60 each month. Was with Auto-Owners. LOL

  11. Elwood Branch

    If you have a good history and are close to Springfield, MA, check out State Farm. They seem to be cheaper. I have a teen driver too. It’s still not cheap enough.