1999 Acura RL Insurance Rates

Want lower auto insurance rates for your Acura RL? Are you intimidated by the crazy number of auto insurance options? You’re not the only one! Consumers have so many options available that it can quickly become a challenge to find the lowest price.

Insurance Comparisons

The are a couple different ways to compare rate quotes from local insurance companies. The recommended way to find competitive 1999 Acura RL insurance rates consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

  • The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form click to view form in new window. This type of form keeps you from doing separate forms to each individual insurance company. One form submission will return quotes instantly.It’s the quickest way to get rates.
  • A harder way to shop for insurance online requires a trip to the website for each individual company to request a price quote. For instance, we’ll pretend you want to compare Auto-Owners, Allstate and Geico. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Whichever way you use, ensure you’re using apples-to-apples information with each company. If you enter mixed coverages you will not be able to make a fair comparison for your Acura RL. Quoting even small variations in coverages can result in a big premium difference. Just remember that comparing a large number of companies will improve the odds of getting lower pricing.

Cut your premium with discounts

The cost of insuring your cars can be expensive, but there could be available discounts to help bring down the price. Some trigger automatically at the time you complete a quote, but some may not be applied and must be specially asked for before being credited.

  • Drive Less and Save – Fewer annual miles on your Acura can qualify you for better rates on cars that stay parked.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same insurance coverage policy can get a discount on all vehicles.
  • Safety Course Discount – Completing a driver safety course can save you 5% or more depending on where you live.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on RL coverage depending on your company.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as comp or med pay. Just because you may think you could get a free insurance coverage policy, companies wouldn’t make money that way. Any qualifying discounts will bring down the cost of coverage.

Insurance companies that possibly offer these benefits include:

Before buying, ask each insurance company which discounts they offer. All car insurance discounts might not be offered everywhere.

What is the best insurance coverage?

When choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

For instance, these questions might help in determining whether your personal situation could use an agent’s help.

  • How can I get my company to pay me more for my totalled car?
  • Will my rates increase for filing one claim?
  • How can I get high-risk coverage after a DUI?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • I have health insurance so do I need medical payments coverage?
  • Does my 1999 Acura RL need full coverage?
  • Should I get collision insurance on every vehicle?
  • Can my teen drive my company car?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Insurance coverages explained

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability insurance

Liability insurance protects you from injuries or damage you cause to people or other property. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair bills for other people’s vehicles, structural damage and attorney fees. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills like funeral costs, prosthetic devices, rehabilitation expenses and hospital visits. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

This covers damage to your RL from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a mailbox, damaging your car on a curb, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a bird, damage from a tornado or hurricane and rock chips in glass. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 1999 Acura RL.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.