Cheaper 2001 Acura RL Car Insurance Quotes

If you’re new to shopping for insurance online, it’s easy to get confused by the hoards of insurance companies all offering big savings.

Take advantage of discounts

Car insurance can cost a lot, but there could be available discounts to cut the cost considerably. A few discounts will automatically apply when you quote, but lesser-known reductions have to be requested specifically before you will receive the discount.

  • Driver’s Ed – Require your teen driver to take driver’s ed class in school.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you will save at least 10% off all policies.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Memberships – Participating in a qualifying organization could trigger savings on insurance for RL insurance.
  • Safe Driver Discount – Safe drivers may save up to 50% more for RL insurance than drivers with accident claims.
  • Homeowners Pay Less – Owning a home may trigger a insurance policy discount because of the fact that having a home shows financial diligence.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • College Student – Kids in college who are attending college without a vehicle on campus can receive lower rates.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Discount for Swiching Early – Select companies give a discount for buying a policy before your current expiration date. The savings is around 10%.

It’s important to note that some credits don’t apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. Even though it may seem like you could get a free insurance policy, companies wouldn’t make money that way. But any discount will help reduce your overall premium however.

Insurance companies that may have these money-saving discounts include:

Double check with every prospective company how you can save money. Savings might not be offered in your area.

Acura RL insurance rates have many determining factors

Smart consumers have a good feel for the different types of things that play a part in calculating auto insurance rates. Understanding what determines base rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • Never go without insurance – Driving your car without having proper coverage is a misdemeanor and you will pay a penalty because you let your insurance expire. And not only will insurance be more expensive, getting caught without coverage can result in a license revocation or jail time.
  • Big city or small town – Being located in a small town can save you money when it comes to auto insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities have to deal with traffic congestion and a longer drive to work. More time on the road means higher likelihood of an accident.
  • Traffic citations inflate rates – Good drivers receive lower rates compared to drivers with tickets. Even a single moving violation can increase rates twenty percent or more. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
  • Do you work long hours in a high stress job? – Did you know your auto insurance rates can be affected by your occupation? Occupations like real estate brokers, architects and stock brokers tend to pay the highest rates attributed to high stress and long work days. On the other hand, jobs such as farmers, students and performers have the lowest average rates for RL insurance.
  • Liability coverage is cheap – The liability section of your policy will protect you if a jury decides you are liable for personal injury or accident damage. It will provide for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • How many coverages with the same company – Some companies will award you with lower prices to customers who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s in your best interest to compare other company rates to verify if the discount is saving money.
  • Car features impact rates – Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.

How to know if you need help

When buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if your situation would benefit from professional advice.

  • What are the best liability limits?
  • Should I sign the liability waiver when renting a car?
  • At what point should I drop full coverage?
  • Can my babysitter drive my car?
  • Should I get collision insurance on every vehicle?
  • Am I covered when delivering products for my home-based business?
  • Why am I required to get a high-risk car insurance policy?
  • If my 2001 Acura RL is totaled, can I afford another vehicle?
  • What exactly is covered by my policy?
  • Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Beware of misleading car insurance ads

Progressive, Geico, Allstate and State Farm continually stream ads in print and on television. All the companies have a common claim that you’ll save big after switching to them. How does each company make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the type of customer they prefer to insure. A good example of a profitable customer could possibly be a mature driver, has no tickets, and has a high credit rating. Any new insured that hits that “sweet spot” will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who don’t qualify for the “perfect” profile will be quoted more money and ends up with business not being written. The ads state “customers who switch” not “people who quote” save money. That is how insurance companies can confidently make those claims.

This emphasizes why you absolutely need to get as many comparisons as possible. It’s just too difficult to predict which company will have the lowest Acura RL insurance rates.

Car insurance 101

Understanding the coverages of a auto insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as EMT expenses, nursing services and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, vandalism, rock chips in glass, damage from flooding and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, rolling your car and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2001 Acura RL.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.


Liability coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as funeral expenses, legal defense fees, bail bonds, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Final thoughts

Insureds leave their current company for many reasons like delays in responding to claim requests, being labeled a high risk driver, poor customer service and an unsatisfactory settlement offer. It doesn’t matter what your reason, switching companies can be pretty painless.

In this article, we presented many tips how you can shop for 2001 Acura RL insurance online. It’s most important to understand that the more providers you compare, the better your comparison will be. Drivers may discover the lowest priced insurance comes from a small mutual company.

When you buy insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed collision coverage to discover at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at a price you can afford.

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