1996 Acura SLX Insurance Rates

Searching for cheaper auto insurance rates? Consumers have many options when looking for the best price on Acura SLX insurance. They can either waste time calling around to get rate comparisons or utilize the internet to find the lowest rates. There are more efficient ways to compare auto insurance rates so you’re going to learn the proper way to quote coverages for your Acura and obtain the best price possible from both online companies and local agents.

You should make it a habit to compare premium rates periodically since rates are rarely the same from one policy term to another. If you had the lowest rate for SLX coverage a few years ago a different company probably has better prices today. You can find a lot of wrong information about auto insurance on the web, but in a few minutes you can learn the best ways to save money.

Take policy discounts and save

Insuring your vehicles can cost a lot, but there’s a good chance there are discounts that can dramatically reduce your bill. Most are applied when you get a quote, but a few need to be requested specifically before being credited.

  • Multi-car Discount – Buying coverage for multiple vehicles on a single policy may reduce the rate for each vehicle.
  • Braking Control Discount – Vehicles with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.
  • Smart Student Discounts – Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.
  • Fewer Miles Equal More Savings – Low annual miles can qualify you for substantially lower prices.
  • Use Seat Belts – Requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • No Claim Discounts – Drivers who stay claim-free can earn big discounts in comparison to insureds who have frequent claims or accidents.
  • Resident Student – Kids who are enrolled in a college that is more than 100 miles from home without a vehicle on campus could qualify for this discount.
  • Bundled Policy Discount – If you can combine your homeowners and auto policy with the same company you could get a discount of up to 20% off your total premium.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like you could get a free auto insurance policy, companies don’t profit that way.

If you would like to see a list of providers that offer discounts, click here to view.

Acura SLX insurance rates can be cheaper

Many things are used in the calculation when you get your auto insurance bill. Some factors are common sense such as your driving history, but other criteria are more transparent like your vehicle usage or your commute time.

  • Obey driving laws and save – Having a clean driving record can have a huge impact on auto insurance premiums. Careful drivers get better rates than bad drivers. Only having one speeding ticket could increase your next policy renewal by as much as thirty percent. Drivers who have received multiple violations such as DUI, reckless driving or excessive speeding may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • Men pay higher costs – The statistics show that females take fewer risks when driving. The data does not necessarily mean that women are BETTER drivers than men. Both sexes are responsible for fender benders in similar percentages, but men have costlier accidents. Men also statistically get ticketed for serious violations like reckless driving and DUI. Young men ages 16 to 20 tend to get in the most accidents so they pay the highest premiums.
  • Never let your coverage expire – Going without insurance is a sure-fire way to drive up your policy premiums. And not only will your rates increase, the inability to provide proof of insurance could result in a license revocation or jail time. You will then be forced to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Liability coverage – A critical coverage on your policy, liability insurance provides coverage if you are ruled to be at fault for personal injury or accident damage. This coverage provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.
  • Discounts for alarm systems – Buying a car with a theft deterrent system can help lower your premiums. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft.
  • Younger driver insurance costs – Older, more experienced drivers are proven to be safer behind the wheel, statistically cause fewer accidents , and usually have better credit.Teenage drivers have been known to be more careless when at the wheel of a vehicle so auto insurance rates are higher.
  • More than one policy can earn a discount – Most major companies will award lower prices to buyers that have more than one policy. It’s known as a multi-policy discount. Even though this discount sounds good, you may still want to shop around to ensure the best deal.There is a chance you can find a better deal by splitting coverages up.
  • Physical damage deductibles – Comprehensive and collision coverage deductibles are how much you are required to pay if a covered claim is submitted. Insurance for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims would be a windshield broken by a bird, fire damage, and damage from wind. The more money you are required to pay out-of-pocket, the less money you will pay for auto insurance for SLX coverage.

Which policy gives me the best coverage?

When choosing coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine whether or not you will benefit from professional help.

  • Will filing a claim cost me more?
  • I have a DUI can I still get coverage?
  • Is there coverage for injuries to my pets?
  • Do I have coverage when making deliveries for my home business?
  • How does medical payments coverage work?
  • Why am I required to get a high-risk car insurance policy?
  • Does my 1996 Acura SLX need full coverage?
  • Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Can you really save $446 a year?

Consumers can’t get away from ads that claim the cheapest rates from companies such as Allstate and Progressive. All the companies have a common claim that you’ll save big just by switching to their company.

How is it plausible that every one can say the same thing? Here is how they do it.

Many companies provide the lowest rates for the driver that earns them the highest profit. A good example of a desirable insured may be between the ages of 30 and 50, is a homeowner, and insures a new vehicle. A customer who meets those qualifications may get the lowest prices and will most likely cut their rates substantially.

Potential insureds who don’t meet these criteria may be forced to pay higher premium rates and ends up with business not being written. If you pay close attention to the ads, they say “drivers who switch” not “everyone who quotes” save the amount stated. This is how insurance companies can confidently make those statements. That is why you really should compare free car insurance quotes often. It is impossible to guess the company that will have the best rates at this point in time.

Auto insurance coverage information

Knowing the specifics of your auto insurance policy can be of help when determining the best coverages for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for medical payments – Med pay and PIP coverage provide coverage for expenses like dental work, surgery, pain medications and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision coverage – Collision insurance covers damage to your SLX resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, damaging your car on a curb, hitting a parking meter, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for liability – This protects you from damage or injury you incur to other’s property or people that is your fault. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as medical expenses, emergency aid, repair bills for other people’s vehicles, loss of income and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Acura SLX.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverages – This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, vandalism, fire damage and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

One last thing about your coverage

People change insurance companies for any number of reasons including policy cancellation, extreme rates for teen drivers, poor customer service or policy non-renewal. No matter why you want to switch, choosing a new insurance company can be easier than you think.

We covered many ways to save on 1996 Acura SLX insurance. The key concept to understand is the more companies you get prices for, the better likelihood of getting low cost car insurance. You may be surprised to find that the most savings is with the smaller companies.

More affordable auto insurance can be sourced both online in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who don’t offer rate quotes online and these smaller companies provide coverage only through local independent agencies.

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