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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Cutting costs on auto insurance may be hard for drivers who are new to buying insurance online. With a ridiculous number of online companies available, it can easily become a real difficult job to locate the lowest price.

If you currently have a car insurance policy, you should be able to save some money using this information. The purpose of this post is to teach you how to get online quotes. But vehicle owners can benefit from knowing how insurance companies market insurance on the web because it can help you find the best coverage.

Verify you’re getting every discount

Some providers do not list all available discounts very well, so the following is a list of some of the best known and the harder-to-find credits that you can use to lower your rates.

  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may get savings of up to 25% or more.
  • Multiple Policy Discount – If you insure your home and vehicles and place coverage with the same company they may give you a discount of up to 20% and get you inexpensive insurance coverage.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and earn discounts up to 10% off your insurance coverage quote.
  • Sign Early and Save – Some auto insurance companies provide a discount for buying a new policy before your current policy expires. This can save 10% or more.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are much safer to drive and earn discounts up to 10%.
  • Auto/Life Discount – Auto insurance companies who offer life insurance give a lower premium rate if you buy a life insurance policy as well.
  • Low Miles Discount – Low annual miles may allow you to get slightly better rates than normal.

As a footnote on discounts, some credits don’t apply to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous. Any amount of discount will definitely lower your policy cost.

Auto insurance companies that may offer quotes with most of these discounts may include but are not limited to:

If you need low cost insurance coverage quotes, ask all companies you are considering the best way to save money. A few discounts may not be available in your area.

The easiest way to get policy rate comparisons is to know auto insurance companies will pay a fee to quote your coverage. The one thing you need to do is spend a couple of minutes providing details including your occupation, if it has an alarm system, whether or not you need a SR-22, and if your license is active. That rating data gets sent immediately to multiple insurance coverage providers and you should receive rate quotes quickly.

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

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You can change your insurance costs

Many things are part of the equation when premium rates are determined. Some are pretty understandable such as traffic violations, but others are not as apparent such as whether you are married or your vehicle rating.

Listed below are a few of the things that factor into premiums.

  • Traffic violations drive up prices – How you drive impacts your car insurance rates tremendously. Getting just one driving citation can increase rates substantially. Good drivers tend to pay less for car insurance than bad drivers. Drivers who have received serious tickets like DUI, reckless driving or excessive speeding might be required by their state to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to legally drive.
  • Alarm systems lower insurance coverage rates – Choosing to buy a car that has a built-in theft deterrent system can help lower your rates. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your car from being stolen.
  • Your occupation may affect prices – Did you know your career choice can influence rates? Careers such as military personnel, architects and miners are shown to have higher premium rates in part from intense work requirements and lengthy work days. On the flip side, careers like scientists, engineers and performers generally pay rates lower than average on TL insurance.
  • Don’t cut corners with liability protection – A critical coverage on your policy, liability insurance is the coverage that protects you if ever you are determined to be liable for damages caused by your negligence. It provides for a legal defense which can cost a lot. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not cut corners here.
  • Women tend to take less risk – Statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women cause auto accidents at about the same rate, but the males tend to have higher claims. Men also tend to get ticketed for serious violations like reckless driving and DUI. Teenage male drivers cause the most accidents and therefore pay the highest rates.
  • Vehicles with better crash test results save money – Cars with five star safety ratings can get you lower premiums. Vehicles built for safety have better occupant injury protection and fewer serious injuries means lower claim amounts which can mean better rates for you. If your Acura has ratings of a minimum four stars on it may cost less to insure.

When should I discuss my situation with an agent?

When buying proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions could help you determine if you would benefit from an agent’s advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered by my spouse’s policy after a separation?
  • How high should deductibles be on a 1998 Acura TL?
  • Am I better off with higher deductibles on my 1998 Acura TL?
  • At what point should I drop full coverage?
  • What is roadside assistance coverage?
  • When should I buy a commercial auto policy?
  • Is extra glass coverage worth it?
  • Is my nanny covered when driving my vehicle?
  • Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverage specifics

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision coverage

Collision coverage covers damage to your TL resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with another moving vehicle, crashing into a ditch, backing into a parked car, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Liability coverage

This provides protection from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: 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 a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things like bail bonds, funeral expenses and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as pain medications, EMT expenses, prosthetic devices, hospital visits and surgery. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This coverage 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 coverage protects against things like damage from flooding, falling objects, hail damage, theft and hitting a deer. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

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

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Smart consumers save more

You just learned a lot of ways to lower your 1998 Acura TL insurance premium rates. The key concept to understand is the more providers you compare, the better your comparison will be. You may even discover the best premium rates are with some of the smallest insurance companies.

Some insurance companies may not have internet price quotes and these regional insurance providers only sell coverage through local independent agencies. Cheap 1998 Acura TL insurance is attainable on the web in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis.

When searching for cheap insurance coverage quotes, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, an insured cut comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. Your objective should be to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.

Additional insurance information can be read at these links: