Lower Your 1998 Acura RL Insurance Quotes

Nobody that owns a car enjoys paying for auto insurance, especially when they could find lower prices if they just compared rates. Consumers have multiple insurance companies to insure vehicles with, and although it’s a good thing to have a selection, it can be more challenging to locate the cheapest rates.

You should take the time to take a look at other company’s rates periodically because insurance rates change frequently. Even if you think you had the lowest premium rates on RL coverage a few years ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about auto insurance because we’re going to show you one of the quickest ways to save money, get proper coverage and the best rates.

Finding the best rates is quite easy. If you are insured now or need new coverage, you can use this information to shop for the lowest rates and possibly find even better coverage. Drivers only need an understanding of the best way to compare price quotes on the web.

How much does insurance coverage cost?

Finding more affordable 1998 Acura RL insurance coverage quotes is a great way to save money. Just take a couple of minutes comparing price quotes to see which company has the cheapest insurance coverage quotes. Comparing prices online can be done using one of these methods.

  • The best way to get quotes for comparison is a comparison rater form click here to open form in new window. This quick form saves time by eliminating separate quote forms for every company. Just one form will return price quotes instantly.
  • A more difficult way to analyze rates consists of visiting the website for each individual company and request a quote. For examples sake, we’ll assume you want to compare Nationwide, Allstate and GMAC. To get each rate you have to go to each individual site and type in your information over and over, and that explains why we recommend the first method.

    To view a list of companies in your area, click here.

  • The last way to compare rates to different agent offices. Comparing rate quotes online reduces the need to sit down with an agent unless you want the trained guidance that only an agent can give. However, consumers can price shop your coverage online but have a local agent actually write the policy.

You can use whichever method you prefer to find lower rates, just be sure to compare equivalent coverages with each company. If you compare different values for each quote it will be nearly impossible to make an equal comparison.

Save with these money-saving discounts

Companies that sell car insurance do not advertise the complete list of policy discounts very clearly, so the below list has some of the best known and also the lesser-known credits that may apply to you.

  • 55 and Retired – If you’re over the age of 55, you could receive better auto insurance rates on RL coverage.
  • E-sign – Some insurance companies may give you up to $50 simply for signing on your computer.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle up can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Data Collection Discounts – Drivers that enable driving data submission to spy on where and when they drive remotely like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
  • Driver Training Discounts – Taking part in a safe driver course may get you a small discount and also improve your driving technique.
  • Distant Student Discount – Older children living away from home attending college and don’t have a car could get you a discount.
  • Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction on RL coverage with select insurance companies.
  • Professional Memberships – Affiliation with specific professional or occupational memberships or organizations could earn you a nice discount on your policy.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.

Keep in mind that some of the credits will not apply the the whole policy. Most only reduce individual premiums such as comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, you won’t be that lucky. But any discount will help reduce your policy premium.

Companies that possibly offer these benefits possibly include:

If you need affordable insurance coverage quotes, ask each insurance company which discounts they offer. Some of the discounts discussed earlier may not be offered in your area.

Do I need special coverages?

When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can help discover if you would benefit from professional advice.

  • Is my teen driver covered when they drive my company car?
  • I don’t drive much so do I pay less?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is covered by UM/UIM coverage?
  • Am I getting all the discounts available?
  • What is the difference between comprehensive and collision coverage?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Six tips to get lower-cost insurance costs

Many things are part of the equation when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but others are more obscure like where you live or your commute time.

The list below includes some of the major factors auto insurance companies consider when setting your rate level.

  • Lower stress equals lower rates – Jobs like fire fighters, business owners and emergency personnel are shown to have higher rates than the rest of us in part from intense work situations and long work hours. Conversely, careers like professors, historians and the unemployed have the lowest average rates on RL coverage.
  • Liability coverage limits on your policy – A critical coverage on your policy, liability insurance will provide protection if ever you are determined to be liable for damages from an accident. It will provide legal defense coverage up to the limits shown on your policy. Liability is cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Insurance rates in urban areas – Choosing to live in small towns and rural areas has it’s advantages when buying auto insurance. Drivers who live in large cities regularly have more aggressive driving styles and longer commute times. Less people living in that area means less chance of accidents in addition to lower liability claims
  • Driver age impacts costs – More experienced drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets.Young drivers are statistically proven to be less responsible behind the wheel and because of this, their auto insurance rates are much higher.
  • Prices increase with policy add-ons – There are a lot of additional extra coverages that can waste your money on your auto insurance policy. Coverages like personal injury protection, accidental death, and Farm Bureau memberships are probably not needed. You may think they are a good idea when discussing your needs, but your needs may have changed so remove them and pocket the money.
  • Car plus home equals more savings – The majority of companies give discounts to policyholders that buy multiple policies such as combining an auto and homeowners policy. Even though this discount sounds good, you may still want to compare other company rates to make sure you are getting the best deal.

Ads can be misleading

Consumers constantly see and hear ads for cheaper car insurance from the likes of State Farm, Allstate and GEICO. All the ads tend to make the same promise about savings if you get a free insurance coverage quote and switch your policy.

It sounds good, but how can they all give you a lower rate? Here is the trick they use.

Car insurance companies look for specific characteristics for the type of customer they prefer to insure. For instance, a profitable insured might be between the ages of 40 and 55, has a clean driving record, and drives less than 10,000 miles a year. Anyone who matches that profile may get the lowest premium rates and is almost guaranteed to save a lot if they switch.

People who do not meet those criteria will see higher rates with the end result being the customer not buying. Company advertisements say “people that switch” not “everyone who quotes” save that much when switching. This is how insurance companies can advertise the savings. Different companies use different criteria so you really should get as many free insurance coverage quotes as possible. It’s not possible to predict the company that will give you the biggest savings.

Insurance specifics

Understanding the coverages of insurance can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, damage from getting keyed and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Insurance for medical payments – Med pay and PIP coverage pay for expenses like hospital visits, X-ray expenses and pain medications. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision – This coverage pays for damage to your RL resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like scraping a guard rail, sustaining damage from a pot hole, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for liability – This coverage protects you from damage or injury you incur to other people or property that is your fault. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for things like medical expenses, repair bills for other people’s vehicles, emergency aid and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Smart shoppers get results

When getting insurance coverage quotes online, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where someone sacrificed uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. The goal is to buy the best coverage you can find at an affordable rate.

We just covered a lot of information how to save on 1998 Acura RL insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the best price on insurance is with a smaller regional carrier. They may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

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