Cheaper 1999 Acura RL Car Insurance Cost

Looking for lower auto insurance rates for your Acura RL? Finding low-cost insurance for an Acura RL can be an all-consuming task, but you can learn our auto insurance buying tips and make it easy. There are both good and bad ways to compare auto insurance rates and we’ll show you the best way to compare rates for your Acura and obtain the lowest price either online or from local insurance agents.

It is always a good idea to quote other rates occasionally because auto insurance prices trend upward over time. Despite the fact that you may have had the lowest price on RL coverage last year a different company probably has better rate quotes today. You’ll find a ton of advice on auto insurance online but we’re going to give you some of the best ways to slash your auto insurance rates.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are insured now or need new coverage, you can use these tips to reduce the price you pay and still get good coverage. Vehicle owners just need to learn the tricks to compare prices on the web.

How much is insurance coverage?

The majority of larger companies like State Farm, GEICO and Progressive allow consumers to get coverage prices directly from their websites. Getting online quotes is very simple as you just enter on the page. Once you submit the form, their system will order information on your driving record and credit history and provides a quote.

This makes it a lot easier to compare rates but the work required to visit several different sites and fill out multiple forms is not the best way to spend an afternoon. But it is imperative to perform this step if you want to get a lower rate.

The better way to compare rates

The easiest way to find lower prices uses one form to return rates from more than one company. This type of form saves time, eliminates form submissions, and makes price shopping online much more enjoyable. After your information is entered, it gets priced and you can choose any one of the pricing results. If the quotes result in lower rates, you simply finish the application and purchase coverage. This process takes just a few minutes to complete and can result in significant savings.

To quickly compare rates using this form now, click here to open in new window and enter your information. If you have your current policy handy, we recommend you enter deductibles and limits exactly as they are listed on your policy. Doing this guarantees you will get a rate comparison using the exact same coverages.

Take advantage of with these discounts

Companies that sell car insurance don’t always list their entire list of discounts very clearly, so the following list contains some of the more common and also the lesser-known discounts you could be receiving when you buy car insurance online. If you do not check that you are getting every discount you deserve, you’re just leaving money on the table.

  • Military Discounts – Being deployed with a military unit may lower your prices slightly.
  • Discounts for Good Drivers – Accident-free drivers can pay as much as 50% less on RL coverage compared to rates paid by drivers with frequent claims.
  • Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease on RL coverage with select insurance companies.
  • Air Bags and Passive Restraints – Factory options such as air bags or motorized seat belts may earn rate discounts as much as 30%.
  • Auto/Home Discount – When you have multiple policies and insure them both with the same insurance company you will save at least 10% off all policies.
  • Waiver for an Accident – Not necessarily a discount, but a handful of insurance companies permit an accident before hitting you with a surcharge so long as you are claim-free for a specific time period.
  • Driver’s Education for Students – Teen drivers should successfully complete driver’s ed class in high school.
  • Good Students Pay Less – Performing well in school could provide a savings of up to 20% or more. This discount can apply up to age 25.
  • Memberships – Affiliation with qualifying employment or professional organizations could trigger savings on your next insurance statement.

As is typical with insurance, many deductions do not apply to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount should help lower your overall bill.

To see a list of providers with discount insurance rates, follow this link.

You can change your insurance costs

Smart consumers have a good feel for the different types of things that help calculate your policy premiums. If you understand what determines premiums, this empowers consumers to make smart changes that may reward you with better insurance rates.

  • Do you really need to file that claims? – Insurance companies award lower rates to drivers who are claim-free. If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Lower rates with no policy lapses – Allowing your coverage to lapse can be a sure-fire way to pay more for insurance. And not only will your rates increase, being ticketed for driving with no insurance could earn you a steep fine or even jail time.
  • Drive less and save – Driving a lot of miles in a year the more you’ll pay to insure your vehicle. Most companies apply a rate based on their usage. Vehicles that sit idle most of the time get more affordable rates than vehicles that are driven to work every day. Double check that your vehicle rating is showing the proper vehicle usage. Incorrect rating for your RL is just wasting money.
  • Are you male or female? – The statistics show that females take fewer risks when driving. That doesn’t necessarily mean that men are worse drivers. Men and women are in at-fault accidents in similar percentages, but males cause more damage. In addition to higher claims, males also have more aggressive citations such as DWI and reckless driving.
  • Drivers with high credit save on insurance – Having a bad credit score is a large factor in determining your rates. So if your credit leaves room for improvement, you could save money insuring your 1999 Acura RL by improving your credit score. People that have high credit ratings tend to be less risk to insure than those with lower credit scores.

Your situation helps dictate your coverage

When it comes to buying adequate coverage, there really is not a perfect coverage plan. Every situation is different.

For instance, these questions may help highlight if you might need professional guidance.

  • At what point should I drop full coverage?
  • Can I still get insurance after a DUI?
  • Should I buy full coverage?
  • How do I insure my teen driver?
  • What discounts do I qualify for?
  • When would I need additional glass coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Save $453 a year? Really?

Consumers can’t ignore all the ads that promise big savings by State Farm, GEICO and Progressive. They all make an identical promise of big savings just by moving to them.

How can each company have lower policy pricing? It’s all in the numbers.

Different companies give the cheapest rates for the type of insured that will most likely be profitable. A good example of a driver they prefer might be described as over age 30, has no tickets, and drives a lower-performance vehicle. A driver that meets those criteria will probably get cheap prices and is almost guaranteed to cut their rates if they switch.

People who are not a match for this stringent profile may be required to pay higher premiums which leads to the customer not buying. The ads state “people who switch” but not “everyone who gets a quote” save that much money. That’s the way insurance companies can make claims that they all have the best car insurance rates. This illustrates why you need to get as many free car insurance quotes as possible. You cannot predict which insurance companies will provide you with the cheapest rates.

Car insurance 101

Having a good grasp of insurance can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring.

Liability

This can cover injuries or damage you cause to other people or property that is your fault. It protects you from claims by other people. Liability doesn’t cover 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 limits 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 $100,000 of coverage for damaged propery.

Liability can pay for claims like repair bills for other people’s vehicles, legal defense fees, loss of income and medical services. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses like pain medications, EMT expenses, funeral costs, ambulance fees and doctor visits. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Acura RL.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Auto collision coverage

Collision coverage pays for damage to your RL resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like rolling your car, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive protection

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hail damage, damage from a tornado or hurricane, damage from getting keyed and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Shop around and save

In this article, we covered many tips how you can save on 1999 Acura RL insurance. The key concept to understand is the more price quotes you have, the better likelihood of getting cheap car insurance. You may even find the lowest premium rates come from some of the lesser-known companies.

As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. In too many instances, consumers will sacrifice liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage for the lowest cost, not the least amount of coverage.

Lower-priced car insurance is definitely available from both online companies in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not provide price quotes online and most of the time these regional carriers only sell coverage through local independent agencies.

Other information