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: Oct 5, 2015

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Are you burned out from scraping nickels together to insure your Acura every month? You have the same problem as many other drivers. People have so many insurers to insure vehicles with, and though it is a good thing to have a selection, it makes it harder to find the lowest rates.

You should make it a habit to take a look at other company’s rates before your policy renews due to the fact that insurance prices change quite often. Even if you think you had the lowest price for RL coverage a year ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about insurance because I’m going to teach you the best methods to save on insurance.

Compare free car insurance price quotes

Many insurance companies allow you to get prices for coverage online. The process is pretty easy because it’s just a matter of typing in your personal and coverage information into the form. When complete, their system will obtain reports for credit and driving violations and returns a price. Online price estimates streamlines rate comparisons, but having to visit a lot of sites and enter the same data into a form is a waste of time. But it’s necessary to have as many quotes as possible if you want to get a lower rate.

The quickest way to find better car insurance pricing makes use of a single form that obtains quotes from a lot of companies. This type of form saves time, helps eliminate reptitive entry, and makes comparison shopping a little more enjoyable. Immediately after you send the form, it gets priced and you can choose any of the quote results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. This process only takes a few minutes and you will know how your current rates stack up.

If you want to get comparison pricing now, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you duplicate the limits and deductibles exactly as shown on your declarations page. This ensures you will be getting a fair comparison for similar insurance coverage.

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

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Auto insurance companies are expert advertisers

Consumers can’t avoid all the ads for the lowest price auto insurance from the likes of GEICO, State Farm and Progressive. They all seem to advertise claims that you can save if you move your auto insurance policy to them.

How is it plausible that every one can make the same claim? Just pay attention to how they say it.

All the different companies have underwriting criteria for a prospective insured that will most likely be profitable. An example of a preferred risk could be married and over the age of 30, has never had a policy lapse, and drives newer vehicles. Someone that matches those criteria will get the preferred premium rates and will most likely cut their rates substantially.

Potential customers who fall outside the “perfect” profile will have to pay higher rates and the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers that switch” not “everyone who quotes” save money. That’s the way companies can truthfully make the claims of big savings. That is why drivers must do a rate comparison at every renewal. It’s just too difficult to predict with any certainty which company will have the lowest premium rates for your situation.

Seven factors that impact insurance premiums

Many things are taken into consideration when you quote your car insurance policy. Some are pretty understandable like your driving record, although some other factors are not quite as obvious like where you live or your vehicle rating.A large part of saving on car insurance is knowing a few of the rating criteria that help determine your car insurance rates. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that could result in cheaper rates.

The items below are some of the most rate-impacting factors used by insurance companies to determine premiums.

  • Incidental coverages you don’t use – There are a ton of extra coverages you can purchase if you aren’t diligent. Add-on coverages like personal injury protection, high-cost glass coverage, and term life insurance may be wasting your money. They may seem like a good idea when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
  • Big city or small town – Choosing to live in less populated areas of the country has it’s advantages when buying car insurance. Fewer drivers on the road corresponds to lower accident rates in addition to fewer liability claims. City drivers have congested traffic and higher rates of accident claims. Higher commute times can result in more accidents.
  • Use credit responsibly and save – Having a bad credit score is likely to be a major factor in determining premium rates. People that have excellent credit scores tend to file fewer claims than drivers who have lower credit scores. Therefore, if your credit rating is not that good, you could save money insuring your 1997 Acura RL by taking the time to improve your credit score.
  • Raising physical damage deductibles saves money – Insurance for physical damage to your car, also called comprehensive and collision insurance, covers damage that occurs to your Acura. A few examples of covered claims could be running into the backend of another car, collision with an animal, and burglary. The deductibles you choose define how much you are required to spend out-of-pocket if a claim is determined to be covered. The more money you choose to pay out-of-pocket, the better rate you will receive for RL coverage.
  • Combine home and auto and save – Most major companies afford discounts to clients who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to compare other insurance prices to verify if the discount is saving money.
  • How much liability – Your policy’s liability coverage will afford coverage if you are determined to be liable for damages from an accident. This coverage provides you with a defense in court which can be incredibly expensive. Liability is cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Safer occupants lowers rates – Vehicles with good safety scores are cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means lower claim amounts which can mean better rates for you.

Discount car insurance quotes

Insuring your fleet can be pricey, but there could be available discounts that may help make it more affordable. A few discounts will be applied when you get a quote, but a few must be specially asked for in order for you to get them. If you do not check that you are getting every discount available, it’s possible you qualify for a lower rate.

  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you can avoid the installment charge.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance from them.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20 to 30 percent.
  • Government Employee Discount – Active or retired federal employment may reduce rates when you quote insurance coverage for RL coverage with some car insurance companies.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents so companies give up to a 10% discount.
  • Online Discount – A few companies will provide an incentive for buying your policy on the web.

Remember that most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, it’s just not the way it works.

Larger car insurance companies and some of the premium reductions they offer are detailed below.

  • Progressive policyholders can earn discounts including good student, multi-vehicle, continuous coverage, online signing, online quote discount, multi-policy, and homeowner.
  • Farmers Insurance offers premium reductions for switch companies, early shopping, teen driver, good student, multi-car, and homeowner.
  • Farm Bureau offers discounts including multi-vehicle, renewal discount, 55 and retired, youthful driver, driver training, multi-policy, and good student.
  • State Farm has discounts for student away at school, good driver, Steer Clear safe driver discount, passive restraint, Drive Safe & Save, anti-theft, and safe vehicle.
  • GEICO offers discounts for five-year accident-free, membership and employees, military active duty, multi-vehicle, driver training, and anti-lock brakes.
  • SAFECO includes discounts for teen safety rewards, drive less, teen safe driver, anti-lock brakes, and homeowner.
  • Liberty Mutual has savings for multi-car, hybrid vehicle, good student, preferred payment discount, newly retired, and newly married.

When getting a coverage quote, ask all companies you are considering which discounts you may be entitled to. Some discounts listed above might not be available to policyholders in your area. To locate providers who offer online car insurance quotes, follow this link.

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

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Tailor your car insurance coverage to you

When buying the right insurance coverage, there is no perfect coverage plan. Every situation is different and your policy should reflect that. For instance, these questions could help you determine whether you may require specific advice.

  • Does car insurance cover theft of personal property?
  • At what point should I drop full coverage?
  • Do I have coverage if my license is suspended?
  • How do I buy GAP insurance?
  • Am I insured when driving a different vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if I wreck a rental car?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Coverages available on your auto insurance policy

Knowing the specifics of auto insurance helps when choosing which coverages you need for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring. These are the usual coverages available from auto insurance companies.

Collision coverage

This covers damage to your RL resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, hitting a parking meter, driving through your garage door, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like fire damage, vandalism, damage from getting keyed, damage from a tornado or hurricane and damage from flooding. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

This coverage provides protection from damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like emergency aid, structural damage, medical services, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured and underinsured coverage

This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses such as funeral costs, dental work, prosthetic devices and ambulance fees. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Don’t be a big spender

In this article, we presented a lot of ways to compare 1997 Acura RL insurance car insurance rates online. The key concept to understand is the more times you quote, the better your chances of lowering your premium rates. Drivers may discover the best price on auto insurance is with the smaller companies. Some small companies can often provide lower premium rates in certain areas than the large multi-state companies such as GEICO and State Farm.

As you go through the steps to switch your coverage, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where someone sacrificed collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal is to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

Additional information can be found on the following sites: