Having to pay for overpriced Acura SLX insurance can overdraw your personal savings and make it hard to pay other bills. Doing a price comparison is free and is an excellent way to cut your insurance bill. Companies like GEICO, Progressive and Allstate continually hit you with ad campaigns and it is challenging if not impossible to avoid their marketing magic and find the best price available.
Finding a lower price on 1997 Acura SLX insurance doesn’t have to be difficult. All you need to do is take the time comparing rates online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.
Whichever way you use, make darn sure you compare exactly the same coverage limits and deductibles on every quote you get. If you use higher or lower deductibles it will be very difficult to determine the lowest rate for your Acura SLX.
Properly insuring your vehicles can get expensive, but companies offer discounts that you may not know about. Certain discounts will be applied when you complete an application, but a few need to be specifically requested prior to receiving the credit. If you don’t get every credit you deserve, you’re paying more than you need to.
Consumers should know that most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, you’re out of luck. Any qualifying discounts will help reduce your overall premium however.
Insurance companies who might offer these discounts include:
Double check with each insurance company how you can save money. Savings may not apply in every state.
Smart consumers have a good feel for the factors that come into play when calculating your insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to much lower annual insurance costs.
The list below includes some of the items companies use to determine prices.
When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Every situation is different so your insurance needs to address that. For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.
If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.
Consumers get pounded daily by advertisements for car insurance savings from the likes of State Farm, GEICO and Progressive. All the companies make an identical promise that you’ll save big after switching your coverage to them.
How can each company make almost identical claims?
Insurance companies are able to cherry pick for the type of driver that is profitable for them. An example of a profitable customer might be profiled as over the age of 40, has no prior claims, and chooses high deductibles. Any new insured who meets those qualifications receives the best rates and therefore will save quite a bit of money when switching.
Potential insureds who are not a match for this ideal profile will be quoted more money and this can result in business going elsewhere. The ad wording is “people who switch” not “everyone that quotes” save money. That’s why companies can state the savings.
This emphasizes why you need to get a wide range of price quotes. Because you never know which company will fit your personal profile best.
Having a good grasp of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.
Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as falling objects, rock chips in glass, vandalism, a broken windshield and theft. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Med pay and PIP coverage provide coverage for immediate expenses for things like pain medications, doctor visits and dental work. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible
This coverage pays for damage to your SLX caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like colliding with another moving vehicle, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.
Liability coverage will cover damage or injury you incur to people or other property in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for claims like bail bonds, pain and suffering and medical services. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.
This gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Acura SLX.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.
When shopping online for insurance coverage, it’s not a good idea to buy poor coverage just to save money. In many cases, someone dropped full coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.
You just learned a lot of ways to save on 1997 Acura SLX insurance. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. You may even find the most savings is with some of the smallest insurance companies. They can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.
Additional insurance coverage information is available on the following sites: