How Much Does 1997 Acura SLX Car Insurance Cost?

Trying to find the cheapest insurance rates for your Acura SLX? Are you at wits end from robbing Peter to pay Paul to pay your insurance bill each month? You are no different than many other consumers. Numerous insurance companies battle for your hard-earned dollar, so it’s not easy to compare every insurer and uncover the absolute lowest price

It’s a great practice to do rate comparisons yearly because insurance prices change frequently. Just because you found the lowest price for SLX insurance a year ago you will most likely find a better rate today. There is a lot of bad advice regarding insurance on the web, but I’m going to show you the best ways to lower your insurance premiums.

Do you qualify for discount car insurance?

Some insurance providers don’t list all their discounts in a way that’s easy to find, so the below list has a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates. If they aren’t giving you every credit available, you may be paying too high a price.

  • Accident Forgiveness Coverage – This one isn’t a discount, but some companies like Liberty Mutual, Allstate and State Farm may permit one accident before raising your premiums if you are claim-free prior to the accident.
  • Drive Less and Save – Driving fewer miles can qualify you for cheaper premium rates.
  • More Vehicles More Savings – Buying coverage for more than one vehicle with one company could earn a price break for each car.
  • Clubs and Organizations – Being a member of qualifying clubs or civic groups can get you a small discount when getting a auto insurance quote.
  • Defensive Driver – Taking a course in safe driver could save 5% or more depending on where you live.
  • Braking Control Discount – Cars and trucks with anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
  • Claim-Free Discount – Insureds who avoid accidents and claims are rewarded with significantly better rates on auto insurance quote when compared with bad drivers.

A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, that’s just not realistic.

To locate providers that can offer you the previously mentioned discounts, click this link.

Informed consumers can cut their insurance costs

Many things are used in the calculation when pricing auto insurance. Some factors are common sense like your driving record, but other factors are more obscure such as whether you are married or your commute time.An important part of buying insurance is that you know the rating factors that come into play when calculating your car insurance rates. If you have some idea of what determines premiums, this enables informed choices that can earn you big savings.

  • Save by driving cars with good safety ratings – Safe vehicles are cheaper to insure. Safe vehicles result in less severe injuries and fewer serious injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If the Acura SLX has at least four stars on Safercar.gov you may pay a lower rate.
  • Having a spouse can save you money – Having a significant other helps lower the price on your car insurance bill. Having a significant other translates into being more mature and it’s statistically proven that married drivers tend to file fewer claims.
  • Frequent claims increase premiums – Companies provide discounts to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • How much liability insurance do you need? – Your policy’s liability coverage will protect you if you are found to be at fault for damages caused by your negligence. It will provide for a legal defense which can cost thousands of dollars. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Obey driving laws and save – Careful drivers tend to pay less for car insurance as compared to careless drivers. Even a single driving citation can increase the cost of insurance forty percent or more. Drivers who have gotten serious tickets such as DUI or reckless driving may face state-mandated requirements to maintain a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
  • Women tend to cost less – Over the last 50 years, statistics have shown that females take fewer risks when driving. However, don’t assume that women are better drivers. Both sexes are responsible for fender benders at a similar rate, but the men cause more damage. Men also tend to receive more costly citations like reckless driving and DUI. Males from age 16 to 21 have the highest risk to insure and thus pay the highest rates.

What insurance coverages do I need?

When buying coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that For instance, these questions may help you determine if your situation could use an agent’s help.

  • Does my insurance cover a custom paint job?
  • Do I have coverage for damage caused while driving under the influence?
  • Can my babysitter drive my car?
  • How can I get high-risk coverage after a DUI?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I afford to buy a different vehicle if my 1997 Acura SLX is totaled?
  • Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Do drivers who switch really save $384 a year?

Consumers can’t get away from ads that claim the lowest rates from companies such as State Farm and Allstate. They all seem to make the promise about saving some big amount if you change to their company.

How does every auto insurance company charge less that you’re paying now? It’s all in how they say it.

Insurance companies look for specific characteristics for the type of insured that will most likely be profitable. An example of a desirable insured should be over the age of 35, has a low-risk occupation, and drives less than 10,000 miles a year. Anyone who matches that profile receive the lowest rate quotes and will most likely pay quite a bit less when switching companies.

Potential insureds who fall short of the requirements may be forced to pay a higher rate which leads to business not being written. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” save that much when switching. That is how insurance companies can confidently lure you into getting a quote. Each company has different criteria, so you should get price quotes at each policy renewal. It is just not possible to predict which company will have better car insurance rates than you’re paying now.

Auto insurance policy specifics

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement. Listed below are the normal coverages found on the average auto insurance policy.

Liability coverages

Liability coverage will cover damages or injuries you inflict on other people or property. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims like repair costs for stationary objects, attorney fees, funeral expenses, emergency aid and structural damage. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to bring the cost down.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 1997 Acura SLX.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive protection

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like falling objects, theft and hail damage. The most your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for doctor visits, surgery, prosthetic devices and hospital visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

A penny saved is a penny earned

Lower-priced 1997 Acura SLX insurance can be found online in addition to local insurance agencies, so you should compare both in order to have the best chance of saving money. Some insurance coverage companies may not provide rate quotes online and these regional insurance providers provide coverage only through independent insurance agencies.

When trying to cut insurance costs, make sure you don’t reduce needed coverages to save money. There are many occasions where an insured dropped collision coverage to discover at claim time that they should have had better coverage. Your goal should be to find the BEST coverage at the best cost.

In this article, we presented a lot of tips how to compare 1997 Acura SLX insurance prices online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding inexpensive auto insurance. Drivers may discover the lowest priced insurance coverage comes from the least-expected company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

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