Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Mar 22, 2018

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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Getting cheap insurance coverage over the internet is overwhelming for drivers not familiar with comparing prices on the internet. With so many insurers available, how can anyone have a chance to compare them all to find better insurance coverage prices?

If you have car insurance now, you will be able to save some money using this information. Pricing affordable protection can be fairly easy. Although consumers should learn how insurance companies price insurance differently.

Do you qualify for discounts?

Insurance coverage is not cheap nor is it fun to buy but discounts can save money and there are some available that may help make it more affordable. Some trigger automatically at the time of quoting, but some may not be applied and must be inquired about in order for you to get them. If you check and find you aren’t receiving every discount possible, you’re paying more than you need to.

  • Resident Student – College-age children who are enrolled in a college that is more than 100 miles from home and do not have a car could qualify for this discount.
  • Waiver for an Accident – but certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a specific time period.
  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off the medical payments premium.
  • Low Miles Discount – Keeping the miles down on your Acura could be rewarded with cheaper rates.
  • Savings for New Vehicles – Putting coverage on a new car can get you a discount due to better safety requirements for newer models.
  • Multiple Cars – Having more than one vehicle with one company can get a discount on all vehicles.
  • Driver’s Education for Students – Require your teen driver to complete a driver education course in school.
  • No Claim Discounts – Drivers who stay claim-free are rewarded with significantly better rates on insurance quote in comparison with frequent claim filers.
  • Paper-free Discount – A handful of larger companies may give you up to $50 get insurance on your computer.
  • Air Bag Discount – Vehicles equipped with air bags can receive discounts of more than 20%.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, it’s just not the way it works. But any discount should help reduce your policy premium.

Car insurance companies that may have most of these discounts include:

If you want affordable insurance quotes, ask each company or agent how you can save money. A few discounts might not apply in your area. To see a list of providers that have a full spectrum of discounts, click here to view.

Enter your zip code below to view companies that have cheap auto insurance rates.

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How to lower your auto insurance cost

Most major insurance companies like 21st Century, Allstate and State Farm give prices on the web. Comparing prices online is quite simple because it’s just a matter of typing in the amount of coverage you want on the page. Upon sending the form, their system will order your credit score and driving record and returns a price quote based on these factors.

Online quotes makes it easy to compare insurance prices but the work required to visit several different sites and type in your information is not the best way to spend an afternoon. But it’s absolutely necessary to do this if you want to find the lowest possible prices on auto insurance.

There is a better way!

A more efficient way to compare auto insurance pricing is to use a quote form to obtain quotes from multiple companies. The form is fast, helps eliminate reptitive entry, and makes quoting online much more efficient. Once the form is submitted, your coverage is rated with multiple companies and you can pick any of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. It just takes a couple of minutes and may result in a nice savings.

In order to compare pricing, click here and fill out the form. If you have coverage now, it’s recommended you copy your coverages exactly as shown on your declarations page. Doing this guarantees you will get a fair comparison using the exact same coverages.

Don’t assume everyone needs the same insurance coverage

When choosing the best insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.

  • Should I drop comprehensive coverage on older vehicles?
  • Does my insurance cover my expensive audio equipment?
  • Does coverage extend to my business vehicle?
  • Is there coverage for injuries to my pets?
  • How much liability coverage do I need in my state?
  • Do I have coverage when making deliveries for my home business?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Coverage specifics

Learning about specific coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like fire damage, rock chips in glass, damage from getting keyed, theft and hail damage. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Acura RL.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like nursing services, doctor visits, X-ray expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Collision coverages – This coverage covers damage to your RL from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as scraping a guard rail, damaging your car on a curb, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Auto liability insurance – This coverage provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

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 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like emergency aid, legal defense fees, pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Quote often and quote early

We covered some good ideas how to save on 1996 Acura RL insurance. The key thing to remember is the more quotes you get, the better likelihood of getting the cheapest insurance. Consumers could even find that the lowest prices are with a small local company.

When getting insurance quotes online, make sure you don’t buy poor coverage just to save money. In too many instances, someone sacrificed physical damage coverage and learned later that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at the lowest possible cost and still be able to protect your assets.

Low-cost 1996 Acura RL insurance can be sourced both online as well as from independent agents, and you should compare rates from both in order to have the best chance of saving money. Some companies may not provide the ability to get quotes online and these small insurance companies only sell through independent agents.

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