1996 Acura RL Insurance Quotes – 8 Discounts for Cheaper Rates

Searching for better auto insurance rates for your Acura RL? Having to pay for overpriced auto insurance can take a big chunk out of your personal savings and make it hard to pay other bills. Comparison shopping is a great way to cut your insurance bill. Popular companies such as State Farm, Progressive and Geico constantly blast consumers with advertising and consumers find it hard to see through the deception and find the best price available.

It’s a great practice to do rate comparisons before your policy renews since rates trend upward over time. If you had the best deal on RL coverage last year you may be paying too much now. Starting now, ignore everything you know about auto insurance because I’m going to teach you the best methods to find better rates and still maintain coverage.

Do you qualify for a discount?

Car insurance can cost a lot, but companies offer discounts that many people don’t even know exist. Most are applied when you complete an application, but some may not be applied and must be requested specifically prior to receiving the credit. If they aren’t giving you every credit available, you are throwing money away.

  • Club Memberships – Belonging to a qualifying organization could trigger savings on your policy on RL coverage.
  • Early Signing – Select companies give a discount for switching to them prior to your current policy expiring. This can save 10% or more.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Air Bag Discount – Vehicles with factory air bags can qualify for discounts up to 30%.
  • Multiple Cars – Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
  • Multi-policy Discount – If you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class in high school.
  • Defensive Driver – Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will bring down the amount you have to pay.

Insurance companies who might offer some of the above discounts may include but are not limited to:

Before buying, ask each insurance company how you can save money. Some discounts may not be available in your state.

What coverages do I need?

When it comes to buying coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different so this has to be addressed. These are some specific questions might help in determining whether or not you might need an agent’s assistance.

  • Does insurance cover damages from a DUI accident?
  • Does my medical payments coverage pay my health insurance deductible?
  • When should my teen driver be added to my policy?
  • Should I buy additional glass protection?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I have combined single limit or split liability limits?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance myths debunked

Consumers get pounded daily by advertisements for car insurance savings from the likes of 21st Century, Allstate and State Farm. All the companies say the same thing that you can save after switching your coverage to them.

How does each company claim to save you money? It’s all in the numbers.

All the different companies are able to cherry pick for the driver that makes them money. A good example of a profitable customer might be profiled as between the ages of 40 and 55, owns a home, and drives newer vehicles. A propective insured who matches those parameters will get the preferred rates and therefore will cut their rates substantially.

Drivers who fall outside these standards will be quoted higher premiums and this can result in business not being written. The ads state “drivers who switch” not “people who quote” save that much money. That’s the way companies can make those claims.

This emphasizes why drivers must get a wide range of price quotes. It’s not possible to predict which auto insurance company will provide you with the cheapest Acura RL insurance rates.

Coverages available on your insurance policy

Understanding the coverages of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Coverage for liability – This coverage provides protection from injuries or damage you cause to people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as bail bonds, funeral expenses, structural damage and court costs. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Collision coverages – Collision insurance pays for damage to your RL caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a parking meter, sustaining damage from a pot hole, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like nursing services, funeral costs, chiropractic care, ambulance fees and prosthetic devices. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, hail damage and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 1996 Acura RL.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these limits are similar to your liability insurance amounts.

More choices the merrier

Cheaper 1996 Acura RL insurance can be found online as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some companies don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.

We just showed you some good ideas how you can compare insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the lowest priced car insurance comes from some of the lesser-known companies. These companies can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

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