1998 Acura SLX Car Insurance Rates

Want lower car insurance rates for your Acura SLX? Have you fallen victim to an overpriced car insurance policy? Don’t feel bad because you’re not the only one.

Having so many options, it can be diffult for drivers to pick the right company.

Locating the cheapest insurance coverage coverage is not that difficult. Just about every vehicle owner who is required by state law to have insurance coverage will be able to save money. But drivers can benefit by having an understanding of how big insurance companies determine prices because it can help you find the best coverage.

How to lower your car insurance cost

Effectively comparing car insurance prices can be a daunting task if you aren’t aware of the most efficient way to do it. You could waste time driving to insurance agencies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Many popular insurance companies belong to an insurance system where prospective buyers submit their information once, and each participating company then gives them pricing based on the submitted data. This eliminates the need for quote forms to every company.

To submit your quote information now, click here (opens in new window).

One minor caviat to using this type of system is that you can’t choose which insurance companies you will receive quotes from. If you prefer to choose from a list of companies to compare prices, we put together a list of low cost car insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but make sure you are using apples-to-apples information for each quote you get. If you compare higher or lower deductibles it will be next to impossible to make a fair comparison for your Acura SLX. Slightly different insurance coverages can mean a large discrepancy in price. And when comparison shopping, quoting more helps you find more affordable insurance.

Discounts to earn lower-cost insurance rates

Insurance is not an enjoyable expense, but you may qualify for discounts to reduce the price significantly. Certain discounts will be applied when you complete an application, but a few must be manually applied prior to receiving the credit.

Sign Early and Save – A few companies allow discounts for buying a new policy prior to your current policy expiration. The savings is around 10%.
Home Ownership Discount – Simply owning a home can get you a discount because owning a home is proof of financial responsibility.
Federal Government Employee – Simply working for the federal government could provide a small rate reduction for SLX insurance with certain companies.
Seat Belts Save more than Lives – Drivers who require all vehicle occupants to use a seat belt can save 10% or more off PIP or medical payments premium.
Theft Deterent – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and earn discounts up to 10% off your insurance quote.
Pay Now and Pay Less – By making one initial payment instead of paying each month you can avoid the installment charge.
Accident Forgiveness – Not a discount per se, but some companies like GEICO, State Farm, and Progressive will forgive one accident before they charge you more for coverage if you are claim-free for a set time period.
Discounts for Responsible Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance quote for SLX insurance than drivers with accident claims.

It’s important to note that most discounts do not apply to the entire cost. Some only reduce individual premiums such as liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, you won’t be that lucky.

Some of the insurance companies that may offer policyholders these discounts are:

It’s a good idea to ask each company the best way to save money. Some of the discounts discussed earlier may not apply to policyholders in your area. To see a list of providers offering insurance discounts, click this link.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage, there really is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For instance, these questions may help you determine whether your personal situation may require specific advice.

Is a blown tire covered by insurance?
How can I get high-risk coverage after a DUI?
Does my insurance cover my expensive audio equipment?
Are rental cars covered under my policy?
Is my vehicle covered by my employer’s policy when using it for work?
Should I have a commercial auto policy?
Am I covered when driving a rental car?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Insurance coverages explained

Knowing the specifics of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages found on the average insurance policy.

Liability coverages

This will cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, 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 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like structural damage, funeral expenses and court costs. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, hitting a deer and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for prosthetic devices, nursing services, X-ray expenses and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Acura SLX.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, colliding with a tree, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.