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: Nov 19, 2017

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

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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Being forced to pay for pricey insurance coverage premiums can empty your funds and possibly require you to analyze your spending habits.

Many auto insurance companies vie for your business, so it can be very hard to choose a insurance company to get the best rate

It’s a good idea to do price comparisons as often as possible because insurance coverage rates are rarely the same from one policy term to another. Just because you had the best deal on SLX insurance a year ago a different company probably has better prices today. There are lots of tips to save on insurance coverage on the internet, but we’re going to give you some good information on how to lower your insurance coverage rates.

You may qualify for discounts

Auto insurance companies don’t always advertise every policy discount very clearly, so we researched some of the more common and the more hidden ways to save on auto insurance.

  • Multi-Vehicle Discounts – Drivers who insure more than one vehicle with one company qualifies for this discount.
  • Discount for Home Ownership – Just being a homeowner can help you save on auto insurance since home ownership means you have a higher level of financial diligence.
  • Discounts for Government Workers – Being employed by or retired from a federal job may reduce rates when you quote insurance coverage on SLX insurance with a few auto insurance companies.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and can earn a small discount on your policy.
  • Mature Driver Discount – Seniors are able to get a small discount on rates on SLX insurance.
  • Clubs and Organizations – Belonging to a civic or occupational organization could qualify you for a break on auto insurance.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can save as much as half off their rates on SLX insurance compared to accident prone drivers.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to use a seat belt may be able to save a few bucks off the PIP or medical payment premium.

It’s important to note that many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. Just because you may think it’s possible to get free car insurance, it’s just not the way it works.

A list of companies and the discounts they provide are outlined below.

  • Progressive policyholders can earn discounts including multi-policy, homeowner, multi-vehicle, good student, and online quote discount.
  • SAFECO discounts include safe driver, drive less, anti-theft, accident prevention training, teen safe driver, multi-car, and homeowner.
  • American Family has discounts for mySafetyValet, multi-vehicle, good driver, good student, and early bird.
  • MetLife has savings for defensive driver, multi-policy, claim-free, good student, accident-free, good driver
  • GEICO offers discounts including anti-lock brakes, air bags, federal employee, seat belt use, multi-policy, and military active duty.
  • The Hartford may have discounts that include air bag, defensive driver, driver training, vehicle fuel type, good student, and bundle.

When getting free insurance coverage quotes, it’s a good idea to every prospective company which discounts can lower your rates. Some credits might not be offered on policies in your area. To find companies offering auto insurance discounts, click this link.

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

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There’s no such thing as the perfect insurance policy

When it comes to choosing coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions could help you determine if your insurance needs might need professional guidance.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • When does my teenage driver need to be added to my policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I drop comprehensive coverage on older vehicles?
  • Are split liability limits better than a combined single limit?
  • Does my insurance cover a custom paint job?
  • If I drive on a suspended license am I covered?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is my dog or cat covered if injured in an accident?
  • Why does it cost so much to insure a teen driver?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Save $382 a year? Really?

Car insurance providers like State Farm, GEICO and Progressive regularly use ads in print and on television. All the companies advertise claims that people will save if you switch your coverage. How does every car insurance company lower your prices?

Car insurance companies give the cheapest rates for the type of driver they prefer to insure. A good example of a driver they prefer could be between the ages of 40 and 55, has a clear driving record, and has a short commute. A driver that matches those criteria receive the lowest rate quotes and will probably save if they switch.

People who may not quite match those criteria will be quoted higher premiums and ends up with business going elsewhere. The wording the ads use say “people who switch” but not “everyone who gets a quote” save that kind of money. That is how insurance companies can confidently claim big savings. Because of these techniques, it’s extremely important to get insurance coverage quotes from several different companies. You cannot predict the company that will have the best rates.

What car insurance coverages do you need?

Having a good grasp of your car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average car insurance policy.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like ambulance fees, doctor visits, hospital visits, chiropractic care and dental work. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, a tree branch falling on your vehicle, hail damage and vandalism. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Acura SLX.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability

Liability insurance can cover damage that occurs to other people or property. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

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

Liability insurance covers claims such as loss of income, repair costs for stationary objects, medical services and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage protection

Collision insurance covers damage to your SLX resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like rolling your car, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

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

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Make a quick buck

The cheapest 1998 Acura SLX insurance is definitely available from both online companies in addition to local insurance agencies, so you should compare both to get a complete price analysis. Some car insurance companies don’t offer the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When searching for inexpensive insurance coverage quotes, it’s very important that you do not buy poor coverage just to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

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