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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 15, 2018

Advertiser Disclosure

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Are you tired of paying out the nose to pay insurance each month? You have the same problem as the majority of other drivers.

Big-name insurance companies like State Farm and GEICO constantly blast consumers with TV and radio ads and it is challenging if not impossible to avoid their marketing magic and take the time to shop coverage around.

Consumers should take time to check insurance prices on a regular basis due to the fact that insurance prices change quite often. If you had the best rates for RL coverage at your last renewal there may be better deals available now. You can find a lot of misleading information regarding insurance on the web, but you can learn a lot of great tips on how to lower your insurance premiums.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding the best rates is quite easy. But car owners benefit from understanding how big insurance companies price insurance differently and take advantage of how the system works.

The quickest method to compare car insurance rates is to know the trick most larger insurance companies participate in a system to compare rate quotes. The only thing you need to do is give them rating details including daily mileage, whether you have decent credit, how old drivers are, and if the vehicle is leased. The rating information is automatically sent to multiple different insurance companies and they provide comparison quotes within a short period of time.

Do you qualify for discounts?

Car insurance is not cheap nor is it fun to buy but you may qualify for discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but once in a while a discount must be requested specifically before you get the savings. If you do not check that you are getting every discount you qualify for, you may be paying too high a price.

  • Theft Deterent System – Cars and trucks with anti-theft systems are stolen with less frequency and earn discounts up to 10% off your auto insurance quote.
  • Safety Course Discount – Completing a class that teaches driver safety techniques could save 5% or more and also improve your driving technique.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates for RL coverage as compared to drivers with claims.
  • Federal Government Employee – Employees or retirees of the government may qualify for a discount when you quote auto insurance for RL coverage with some car insurance companies.
  • Own a Home and Save – Owning a home can help you save on car insurance since home ownership is proof of financial responsibility.
  • Braking Control Discount – Cars equipped with ABS or steering control have fewer accidents and will save you 10% or more.

Drivers should understand that many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.

Large car insurance companies and some of their more popular discounts are:

  • GEICO offers discounts for air bags, anti-lock brakes, membership and employees, emergency military deployment, military active duty, multi-policy, and anti-theft.
  • Travelers has savings for multi-policy, IntelliDrive, good student, hybrid/electric vehicle, save driver, continuous insurance, and payment discounts.
  • Farm Bureau has discounts for safe driver, multi-policy, multi-vehicle, 55 and retired, and driver training.
  • Liberty Mutual includes discounts for multi-policy, new move discount, good student, new graduate, new vehicle discount, and newly married.
  • American Family may include discounts for accident-free, Steer into Savings, mySafetyValet, bundled insurance, air bags, good driver, and multi-vehicle.
  • Progressive offers discounts including homeowner, online quote discount, continuous coverage, good student, and multi-vehicle.

When getting free auto insurance quotes, it’s a good idea to every company the best way to save money. Savings may not be available in your area. If you would like to choose from a list of companies that have a full spectrum of discounts, click here.

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

secured lock Secured with SHA-256 Encryption

Why your insurance rates might be higher

Smart consumers have a good feel for the different types of things that go into determining your policy premiums. If you have some idea of what determines premiums, this allows you to make good choices that could result in lower rates.

The following are most of the major factors companies use to determine your premiums.

  • Where you call home – Being located in small towns and rural areas can save you money when trying to find low car insurance rates. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft. City drivers have to deal with much more traffic and much longer commute distances. More time on the road statistically corresponds to a higher accident and claim rate.
  • Bundle home and auto and save – Most car insurance companies allow lower prices to buyers that buy multiple policies. It’s known as a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to comparison shop to help ensure you have the lowest rates.
  • Vehicle theft costs us all – Purchasing a vehicle with an alarm system can save you some money. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
  • Avoid tickets and save – Your driving citation history has a huge affect on how much you pay. Attentive drivers receive lower rates compared to bad drivers. Getting just one driving citation may increase your cost to the point where it’s not affordable. Drivers who have severe citations such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state in order to prevent a license revocation.
  • Premiums are affected by your credit rating – An insured’s credit history factor in determining what you pay for car insurance. Therefore, if your credit rating is lower than you’d like, you may save money insuring your 1999 Acura RL if you improve your credit rating. People with excellent credit scores tend to be less risk to insure than drivers with lower ratings.
  • Younger drivers are expensive to insure – Teenage drivers are proven to be careless and easily distracted with other occupants in the car so car insurance rates are higher. Having to add a young driver onto a policy will cause a huge premium hike. More experienced drivers are more responsible, are lower risk to insure and are safer drivers.
  • Getting married pays dividends – Getting married helps lower the price on your car insurance policy. Marriage is viewed as being more mature and insurance companies reward insureds because drivers who are married file infrequent claims.
  • Don’t abuse insurance claims – If you frequently file small claims, you shouldn’t be surprised to get much higher rates or policy non-renewal. Companies award the best rates to policyholders who are claim-free. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.

Don’t assume everyone needs the same insurance coverage

When it comes to choosing adequate coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions can help discover whether you will benefit from professional help.

  • Is my camper covered by my car insurance policy?
  • Do I need replacement cost coverage on my 1999 Acura RL?
  • Should I waive the damage coverage when renting a car?
  • How does medical payments coverage work?
  • Do I need roadside assistance coverage?
  • When would I need additional glass coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Insurance coverages and their meanings

Having a good grasp of your insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like sideswiping another vehicle, driving through your garage door, crashing into a ditch and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, hitting a deer, fire damage, vandalism and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Acura RL.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Liability car insurance – This protects you from damage or injury you incur to people or other property. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as funeral expenses, bail bonds, structural damage and court costs. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as hospital visits, nursing services and prosthetic devices. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

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

secured lock Secured with SHA-256 Encryption

Pennies from heaven

When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. There have been many situations where an insured cut collision coverage only to discover later that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.

We just showed you a lot of information how to reduce 1999 Acura RL insurance rates online. The key concept to understand is the more companies you get car insurance rates for, the higher your chance of finding inexpensive auto insurance. You may even discover the most savings is with a lesser-known regional company. They often have lower car insurance rates on specific markets compared to the large companies like Allstate, GEICO and Progressive.

Additional auto insurance information can be found at these links: