Lower Your 2009 Acura RL Insurance Rates

Looking for better auto insurance rates? Shoppers have options when shopping for the lowest priced Acura RL insurance. They can either spend hours calling around getting price quotes or leverage the internet to get rate quotes. There are more efficient ways to buy auto insurance and we’ll show you the proper way to get price quotes for a Acura and get the lowest price from both online companies and local agents.

Auto insurance rates and discounts

Car insurance companies don’t always list all possible discounts very well, so the following is a list of both the well known and also the more inconspicuous auto insurance savings.

• Discounts for Multiple Vehicles – Buying coverage for multiple vehicles on one policy could earn a price break for each car.
• Driver Education Discount – Have your child take driver’s ed class as it will make them better drivers and lower rates.
• Accident Free – Drivers with accident-free driving histories can earn big discounts as opposed to drivers with a long claim history.
• One Accident Forgiven – This one isn’t a discount, but certain companies will let one accident slide before they charge you more for coverage as long as you don’t have any claims for a particular time prior to the accident.
• Policy Bundle Discount – If you have multiple policies with the same company you could earn a discount of at least 10% off all policies.

Don’t be shocked that some of the credits will not apply the the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way.

Companies and their offered discounts include:

• Geico may have discounts that include anti-lock brakes, seat belt use, anti-theft, emergency military deployment, and membership and employees.
• MetLife offers discounts for defensive driver, good student, good driver, multi-policy, claim-free, and accident-free.
• Progressive may include discounts for homeowner, good student, online signing, continuous coverage, and multi-policy.
• Travelers includes discounts for payment discounts, early quote, new car, student away at school, multi-policy, and multi-car.
• SAFECO discounts include safe driver, bundle discounts, teen safe driver, drive less, teen safety rewards, accident prevention training, and homeowner.
• AAA has savings for multi-car, good driver, pay-in-full, education and occupation, good student, anti-theft, and AAA membership discount.

If you want cheaper insurance coverage quotes, ask every insurance company which discounts you may be entitled to. Depending on the company, some discounts may not be offered in your area. To view companies with discount rates, click here to view.

The easiest way to compare rates is to know the fact most of the bigger providers actually pay money for the chance to provide you with a free rate quote. To get started, all you need to do is spend a couple of minutes providing details such as whether you are single or married, if it has an anti-theft system, if you went to college, and how old drivers are. Your insurance information is then sent to multiple companies and they return cost estimate almost instantly.

To compare multiple company rates now, click here and complete the quick form.

Insurance premiums are influenced by these factors

Many factors are taken into consideration when you get a price on insurance. Most are fairly basic like an MVR report, but some are more obscure such as your marital status or your commute time.One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that help calculate your auto insurance rates. If you know what controls the rates you pay, this empowers consumers to make smart changes that may result in lower premium levels.

The itemized list below are some of the factors used by companies to determine prices.

• File auto insurance claims and pay more – Insurance companies provide lower rates to policyholders who file claims infrequently. If you’re an insured who likes to file claims you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is intended for larger claims.
• Extra policy coverages that aren’t used – Policies have extra bells and whistles that can add up on your RL policy. Insurance for rental car coverage, towing, and term life insurance could be just wasting money. These may sound like a good investment when talking to your agent, but if you don’t need them eliminate them to save money.
• Being married can save you money – Having a wife or husband helps lower the price when buying auto insurance. Having a spouse means you’re more financially stable and statistics show being married results in fewer claims.
• Tickets cost more than a fine – Being a careful driver has a lot to do with how much you pay for insurance. Drivers with clean records pay less for auto insurance as compared to those with violations. Just one speeding ticket or other violation can increase rates to the point where it’s not affordable. Drivers unfortunate enough to have dangerous violations such as DUI or willful reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to legally drive a vehicle.
• Cheaper prices using alarms and GPS tracking – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Systems that thwart theives like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent car theft.
• High physical damage deductibles save money – Your deductibles tell how much you are willing to pay out-of-pocket if a covered claim is submitted. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims are a windshield broken by a bird, damage from fire, and damage caused by road hazards. The more money you pay before a claim is paid (deductible), the lower your rates will be for RL coverage.
• Older drivers pay less – Teen drivers are statistically shown to be inattentive behind the wheel so they pay higher auto insurance rates. More mature drivers are shown to be more cautious, are lower risk to insure .

Situations that may require an agent’s advice

When choosing the best auto insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions can aid in determining if your insurance needs may require specific advice.

• What is an SR-22 filing?
• Is there coverage for injuries to my pets?
• Is rental equipment covered for theft or damage?
• Why do I need rental car insurance?
• When should I drop full coverage on my 2009 Acura RL?
• What is covered by UM/UIM coverage?
• Is my 2009 Acura RL covered for smoke damage?
• Do I need motorclub coverage?
• Am I covered when driving on a suspended license?
• At what point should I drop full coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Big names are not always cheapest

Consumers constantly see and hear ads for insurance savings by State Farm, Allstate and Geico. All the ads seem to make the promise about how much you will save after switching your policy.

How does every company offer you a better deal? It’s all in the words they use.

Many companies have a certain “appetite” for the type of driver that earns them a profit. A good example of a profitable customer should be a female over age 40, has never had a claim, and drives less than 7,500 miles a year. A propective insured who fits that profile will most likely get cheap premium rates and as a result will probably save when switching.

People who fall short of the ideal profile will be charged higher premium rates and this can result in the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers who switch” not “everyone who quotes” save that much. That’s the way insurance companies can make those statements. Because of these techniques, you need to compare rate quotes every year. It’s just not possible to know which company will have the best prices for your profile.

Information about specific coverages

Understanding the coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, falling objects and damage from a tornado or hurricane. 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 consider dropping full coverage.

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like loss of income, legal defense fees, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as hospital visits, rehabilitation expenses and surgery. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

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

Coverage for collisions

This will pay to fix damage to your RL resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to bring the cost down.

At the end of the day…

We just showed you quite a bit of information on how to compare 2009 Acura RL insurance premium rates online. It’s most important to understand that the more you quote insurance coverage, the better your chances of lowering your prices. You may even discover the lowest premium rates come from a small mutual company.

As you quote insurance coverage, you should never buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

People switch companies for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, policy non-renewal or questionable increases in premium. It doesn’t matter what your reason, finding a new car insurance company is actually quite simple.

Additional detailed information is available at these sites:

• Child Safety Seats (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)