1998 Acura SLX Car Insurance Quotes – 10 Tips to Save

Looking for the cheapest insurance coverage rates for your Acura SLX? Are you tired of being strong-armed to pay your insurance coverage bill each month? Your situation is no different than millions of other people.

People have many car insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, more choices can make it harder to find the lowest rates.

Smart consumers take time to quote other rates yearly since prices change frequently. If you had the lowest quotes for SLX coverage a few years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out one of the quickest ways to buy cheaper insurance coverage.

Insurance coverage quotes comparison

Most major insurance companies such as State Farm and Allstate make it easy to get prices for coverage direct online. Getting prices online doesn’t take much effort because it’s just a matter of typing in the coverage amounts you desire as detailed in the form. After the form is submitted, the quote system will order credit information and your driving record and gives you a price quote based on these and other factors. Online price quotes makes it easy to compare insurance prices but the work required to visit multiple sites and type in the same data can be a bit repetitive. But it’s necessary to do this if you are searching for the best price on insurance coverage.

A better way to lower your rates is to use a quote form that obtains quotes from a bunch of companies at once. It saves time, reduces the work, and makes online quotes a lot less work. After your information is entered, it is rated and you can choose your choice of the quotes returned.

If a lower price is quoted, you can simply submit the application and buy the new coverage. It can be completed in a matter of minutes and you will know how your current rates stack up.

To quickly find out what other companies charge, click here to open in new window and submit the form. If you have your current policy handy, we recommend you enter the coverages as shown on your current policy. This makes sure you will receive rate comparison quotes based on similar coverages.

Don’t listen to company ads

Respected companies like State Farm and Allstate constantly bombard you with television and radio advertisements. They all have a common claim that drivers can save some big amount just by moving your auto insurance policy to them. Is it even possible that every company can cost less than your current company? It’s all in how they say it.

All companies have specific guidelines for the type of driver that will add to their bottom line. An example of a driver they prefer could possibly be between the ages of 30 and 45, has other policies, and does not commute to work. Any person that matches those criteria is entitled to the best price and will also save some money.

Drivers who do not fit this stringent profile will probably be forced to pay a higher rate which usually ends up with the customer not buying. The trick is to say “people that switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can make those claims.

Because of these techniques, you should compare free auto insurance quotes often. It’s impossible to know which insurance companies will be your best fit.

Ten discounts to earn cheaper auto insurance rates

Some insurers don’t always advertise every policy discount very clearly, so the next list breaks down a few of the more common and the harder-to-find discounts that you may qualify for.

  • New Vehicle Savings – Insuring a new car is cheaper because newer vehicles keep occupants safer.
  • Discounts for Good Drivers – Drivers who don’t get into accidents can save as much as half off their rates for SLX coverage than less cautious drivers.
  • Accident Forgiveness – This one isn’t a discount, but companies like Allstate, State Farm and Geico allow you one accident without getting socked with a rate hike if you are claim-free for a set time period.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Own a Home – Owning a home can save you money because owning a home is proof of financial responsibility.
  • Discount for Swiching Early – A few insurance companies allow discounts for switching companies prior to the expiration date on your current policy. Ten percent is about the average savings.
  • ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions and earn discounts up to 10%.
  • Accident Free – Good drivers with no accidents can save substantially when compared to frequent claim filers.
  • Discount for Multiple Policies – When you have multiple policies and insure them both with the same insurance company you may save as much as 10 to 15 percent.
  • Driver Safety – Passing a course that instructs on driving safety could earn you a small percentage discount if you qualify.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. Just because it seems like it’s possible to get free car insurance, it’s just not the way it works.

Large auto insurance companies and some of the premium reductions they offer are included below.

  • 21st Century may have discounts that include student driver, defensive driver, homeowners, automatic seat belts, early bird, and teen driver.
  • Progressive offers premium reductions for online quote discount, multi-vehicle, multi-policy, homeowner, good student, and online signing.
  • State Farm offers discounts including anti-theft, driver’s education, Drive Safe & Save, accident-free, and student away at school.
  • Nationwide includes discounts for Farm Bureau membership, accident-free, easy pay, defensive driving, anti-theft, and family plan.
  • Esurance discounts include emergency road assistance, good student, DriveSense, multi-policy, and defensive driver.
  • The Hartford may offer discounts for defensive driver, anti-theft, driver training, good student, air bag, and bundle.

When comparing rates, check with every insurance company to apply every possible discount. Depending on the company, some discounts may not apply to policyholders in your state.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every situation is different and your policy should reflect that. These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • Do I need added coverage for expensive stereo equipment?
  • Do I really need UM/UIM coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Do all my vehicles need collision coverage?
  • Can my teen drive my company car?
  • What is UM/UIM insurance?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I pay less for low miles?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Auto insurance policy coverages for a 1998 Acura SLX

Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages available from auto insurance companies.

Liability

This coverage provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims such as medical expenses, legal defense fees, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, theft, rock chips in glass, hitting a deer and fire damage. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your SLX from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like scraping a guard rail, sustaining damage from a pot hole, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills like rehabilitation expenses, prosthetic devices, EMT expenses, hospital visits and ambulance fees. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available and may carry a deductible

More effort can pay off

You just learned some good ideas how you can save on 1998 Acura SLX insurance. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising. They may cover specific market segments cheaper as compared to the big name companies such as Progressive and Geico.

Lower-priced auto insurance is available online as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not provide online price quotes and most of the time these smaller companies only sell through independent agents.

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