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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Searching for lower car insurance rates for your Acura RL? Pretty sure you bought an expensive car insurance policy? You’re preaching to the choir because there are a lot of people just like you who feel imprisoned by their car insurance policy.

Having so many insurance providers from which to choose, it is very difficult to locate the most affordable car insurance provider.

It’s important to do rate comparisons as often as possible because insurance prices are variable and change quite frequently. Just because you found the lowest quotes for RL coverage last year other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to find out one of the best ways to eliminate unnecessary coverages and save money.

The best way to compare rates is to take advantage of the fact almost all companies allow for online access to give you rate quotes. All consumers are required to do is provide details like whether or not you need a SR-22, how much coverage you want, your general credit rating, and what your job is. Those rating factors is then submitted to all major companies and they provide comparison quotes within a short period of time.

Cheaper rates with these discounts

Buying insurance coverage is not cheap, but you may qualify for discounts that can help lower your rates. Certain credits will be shown when you purchase, but some must be specially asked for before they will apply. If you check and find you aren’t receiving every discount you deserve, you could be paying more than you need to.

  • Defensive Driver Discount – Taking a driver safety course could cut 5% off your bill and easily pay for the cost of the class.
  • Discount for New Cars – Buying a new car model can cost up to 25% less because newer vehicles keep occupants safer.
  • Anti-lock Brakes – Cars and trucks with anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
  • Resident Student – Older children who attend college more than 100 miles from home without a vehicle on campus may be insured at a cheaper rate.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
  • Accident Forgiveness Coverage – This one isn’t a discount, but a few companies such as Liberty Mutual and GEICO allow you one accident without the usual rate increase if your claims history is clear prior to the accident.
  • Safety Restraint Discount – Requiring all passengers to buckle up before driving can save 10% or more on medical payment and PIP coverage.
  • Good Student Discount – Performing well in school could provide a savings of up to 20% or more. This discount can apply up until you turn 25.
  • Sign Early and Save – A few companies allow discounts for renewing your policy prior to your current policy expiring. You can save around 10% with this discount.

Just know that most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, you’re out of luck.

A few of the larger companies and their possible discounts can be found below.

  • American Family offers discounts for TimeAway discount, air bags, Steer into Savings, multi-vehicle, good driver, and bundled insurance.
  • Nationwide may have discounts that include anti-theft, family plan, accident-free, multi-policy, and defensive driving.
  • MetLife discounts include multi-policy, good driver, accident-free, claim-free, good student, and defensive driver.
  • 21st Century has discounts for anti-lock brakes, good student, air bags, automatic seat belts, and homeowners.
  • Farmers Insurance may offer discounts for good student, pay in full, teen driver, bundle discounts, and alternative fuel.
  • Allstate has savings for defensive driver, early signing, teenSMART discount, premier discount, EZ pay plan discount, and anti-lock brakes.

Check with each insurance company which discounts they offer. Some discounts listed above may not apply to policies in your area. To see a list of insurers that offer the discounts shown above, click this link.

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

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Insurance can be complex

When buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions might help in determining whether your personal situation might need an agent’s assistance.

  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered if I hit my neighbor’s mailbox?
  • Which companies will insure high-risk drivers?
  • How do I insure my teen driver?
  • How much can I save by bundling my policies?
  • Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Smart buyers can save money

Many different elements are part of the equation when you get your auto insurance bill. Some factors are common sense like your driving record, although others are not as apparent such as whether you are married or your commute time.Consumers need to have an understanding of a few of the rating criteria that help determine your auto insurance rates. If you understand what determines base rates, this enables you to make decisions that can help you get lower premium levels.

The itemized list below are some of the major factors utilized by car insurance companies to help set prices.

  • Good drivers pay less – Having a clean driving record has a huge affect on how much you pay. Drivers who don’t get tickets pay lower auto insurance prices compared to bad drivers. Having a single chargable violation can bump up the cost by as much as thirty percent. Drivers with dangerous violations like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
  • Lower prices with theft deterrents – Owning a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent car theft.
  • Do you have a stressful job? – Did you know your auto insurance rates can be affected by your occupation? Careers such as military generalspolice officers and miners are shown to have higher average rates in part from intense work-related stress and lots of time spent at work. Other jobs like actors, historians and retirees pay lower than average rates for RL coverage.
  • Save money with high credit – A driver’s credit rating factor in calculating your auto insurance rates. Consumers who have high credit scores tend to file fewer claims than drivers who have lower credit ratings. Therefore, if your credit score can use some improvement, you could save money insuring your 1998 Acura RL by spending a little time repairing your credit.
  • Where you live plays a part – Being located in a small town can be a good thing when it comes to auto insurance. Fewer drivers and short commutes means fewer accidents and a lower car theft rate. Urban drivers have to deal with congested traffic and longer commutes to work. Spending more time driving can result in more accidents.

Coverages available on your insurance policy

Learning about specific coverages of insurance helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average insurance policy.

Coverage for liability – Liability insurance can cover injuries or damage you cause to people or other property in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like emergency aid, bail bonds, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision – This coverage covers damage to your RL resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, sideswiping another vehicle, scraping a guard rail, crashing into a building and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Acura RL.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like EMT expenses, surgery, funeral costs and pain medications. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverages – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, a broken windshield and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

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

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Pennies from heaven

Low-cost 1998 Acura RL insurance can be bought on the web and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies do not provide online rate quotes and many times these small insurance companies only sell through independent insurance agencies.

We just showed you a lot of tips how to get a better price on 1998 Acura RL insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from the least-expected company. Some small companies often have lower premium rates on specific markets compared to the large companies like State Farm, GEICO and Nationwide.

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