Lower Your 2006 Acura RL Insurance Quotes

Searching for lower auto insurance rates? Consumers have options when looking for affordable Acura RL insurance. They can either spend hours struggling with agents trying to get quotes or leverage the internet to get rate quotes. There is a right way and a wrong way to buy auto insurance so you’re going to learn the best way to compare rates for a Acura and get the lowest price.

Buying car insurance is not that difficult. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Vehicle owners only need an understanding of the best way to compare prices on the web.

Quote auto insurance online

There are several ways to shop for auto insurance, but one way is less labor-intensive and much quicker. You can waste a lot of time driving to agents in your area, or you could use online quoting to get the quickest rates.

Many popular insurance companies enroll in a system that enables customers to complete one form, and each participating company provides a quote based on that information. This saves time by eliminating quotation requests for each company you want a rate for.

To compare pricing click here to open in new window.

One minor caviat to getting quotes like this is you can’t choose which carriers you want pricing from. If you wish to select specific insurance companies to compare rates, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just do your best to use identical quote data with every price quote. If you use unequal deductibles or liability limits it’s not possible to determine the best price for your Acura RL.

Cheap car insurance rates with discounts

Car insurance is neither fun to buy or cheap, but you may qualify for discounts that can help lower your rates. Certain credits will be shown when you complete an application, but some discounts are required to be asked for before they will apply.

  • Anti-lock Brake Discount – Cars with ABS braking systems or traction control prevent accidents and qualify for as much as a 10% discount.
  • Discounts for Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction on RL coverage depending on your car insurance provider.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
  • Low Mileage – Keeping the miles down on your Acura may allow you to get discounted premium rates on garaged vehicles.
  • Drivers Ed for Students – Have your child enroll in driver’s education in high school.
  • Professional Organizations – Being a member of qualifying clubs or civic groups may earn a discount on your next car insurance statement.
  • Accident Waiver – This one isn’t a discount, but companies like Allstate and Progressive will allow you to have one accident before hitting you with a surcharge if you have no claims before the accident.

Policy discounts save money, but most of the big mark downs will not be given the the whole policy. The majority will only reduce specific coverage prices like comp or med pay. Despite the appearance that you could get a free car insurance policy, companies don’t profit that way.

If you would like to choose from a list of car insurance companies that can offer you the previously mentioned discounts, follow this link.

How to lower your insurance rates

Many factors are used in the calculation when you quote your car insurance policy. Some are pretty understandable like your driving record, but some are more transparent such as whether you are married or how financially stable you are.

  • Lower rates for married couples – Your spouse may earn you lower rates on your car insurance bill. Marriage means you’re more stable financially and it’s proven that married drivers get in fewer accidents.
  • More annual miles equals more premium – Driving more miles every year the higher your rates will be. Most insurance companies apply a rate based on how the vehicle is used. Vehicles that have low annual miles qualify for better rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your RL can result in significantly higher rates. Verify your car insurance coverage is rated on annual mileage, because improper ratings can cost you money.
  • Safer vehicles means lower rates – Cars with high safety ratings tend to be cheaper to insure. Safe vehicles reduce injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and thus lower rates.
  • Liability insurance is cheap – Liability coverage will provide protection in the event that you are found to be at fault for causing personal injury or damage in an accident. Liability provides for a legal defense which can cost a lot. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Allowing your policy to lapse raises rates – Having an insurance coverage lapse is a quick way to bump up your car insurance costs. In addition to paying higher premiums, not being able to provide proof of insurance may result in a fine, jail time, or a revoked license. You will then be forced to file a SR-22 with your state motor vehicle department.
  • How’s your driving record? – Just one chargable violation can boost insurance rates by as much as twenty percent. Attentive drivers get better rates as compared to careless drivers. Drivers with flagrant violations like DUI or willful reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Only buy extra policy coverages you need – There are quite a few extra add-on coverages that may not really be needed if you don’t pay attention. Coverages for roadside assistance, better glass coverage, and term life insurance are some examples. They may seem good when deciding what coverages you need, but if you’ve never needed them in the past think about removing them and cutting costs.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different.

These are some specific questions might help in determining if your situation might need professional guidance.

  • How can I get my company to pay me more for my totalled car?
  • What are the best liability limits?
  • Should I bundle my homeowners policy with my auto?
  • Does medical payments coverage apply to all occupants?
  • Is business equipment covered while in my vehicle?
  • I have a DUI can I still get coverage?
  • Am I covered when driving someone else’s vehicle?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

What insurance coverages do you need?

Learning about specific coverages of your insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU from claims by other people. 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 values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like repair bills for other people’s vehicles, attorney fees, legal defense fees, loss of income and medical expenses. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Collision insurance

This will pay to fix damage to your RL resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, hitting a parking meter, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses such as pain medications, surgery and doctor visits. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, theft, hail damage and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Acura RL.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Save for a rainy day

Cheaper insurance is possible online as well as from independent agents, and you should compare rates from both to have the best rate selection. There are still a few companies who don’t offer the ability to get quotes online and these small insurance companies prefer to sell through independent agents.

As you shop your coverage around, never reduce coverage to reduce premium. In too many instances, an accident victim reduced full coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Insureds change insurance companies for many reasons like poor customer service, denial of a claim, being labeled a high risk driver and even an unsatisfactory settlement offer. No matter why you want to switch, finding the right insurance provider is easier than you think.

More detailed insurance information can be found at these sites: