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 the cheapest insurance coverage rates for your Acura SLX? Are you burned out from robbing Peter to pay Paul to keep your car insured? You are in the same boat as many other vehicle owners. Vehicle owners have multiple auto insurance companies to buy insurance from, and though it is a good thing to have multiple companies, more choices can make it harder to locate the cheapest rates.

Consumers should take time to compare premium rates quite often because insurance prices trend upward over time. Even if you think you had the best deal on SLX coverage six months ago other companies may now be cheaper. Ignore everything you know about insurance coverage because we’re going to show you the fastest and easiest way to remove unneeded coverages and save money.

Choosing the best insurance company for you is not that difficult. If you have a current auto insurance policy or are shopping for new coverage, you can use these tips to shop for the lowest rates and possibly find even better coverage. Drivers just need to learn the most effective way to compare prices online.

Shop car insurance online

Comparing car insurance rates can be a lot of work if you don’t understand the fastest way to get free quotes. You could spend the better part of a day talking to local insurance agents in your area, or you could use the internet to get pricing more quickly.

Most of the larger companies are enrolled in a marketplace where prospective buyers complete one form, and each company can provide price quotes based on that data. This prevents consumers from doing repetitive form submissions to every company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one disadvantage to doing it this way is you don’t know exactly which insurance companies to receive prices from. If you would rather choose individual companies to request quotes from, we put together a list of low cost car insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just do your best to enter the exact same coverage data for each quote you get. If you enter different data you can’t possibly make a fair rate comparison.

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

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These five discounts can lower car insurance rates

Car insurance companies do not advertise all possible discounts in a way that’s easy to find, so the list below contains some of the best known as well as some of the hidden credits available to you. If you do not check that you are getting every discount you qualify for, you could be paying more than you need to.

  • Membership in Organizations – Being in a professional or civic organization may earn a discount on car insurance.
  • Bundle and Save – If you have multiple policies and insure them with the same company they may give you a discount of up to 20% off your total premium.
  • First Accident Forgiveness – This one isn’t a discount, but some companies like Liberty Mutual, Allstate and State Farm permit an accident before your rates go up so long as you are claim-free for a particular time prior to the accident.
  • Savings for New Vehicles – Adding a new car to your policy can get you a discount because newer vehicles are generally safer.
  • Driver Training Discounts – Successfully completing a class that teaches defensive driver techniques may get you a small discount and easily pay for the cost of the class.

As a footnote on discounts, most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

A list of companies and a partial list of their discounts can be read below.

  • State Farm may offer discounts for driver’s education, Steer Clear safe driver discount, good student, good driver, and anti-theft.
  • American Family includes discounts for air bags, TimeAway discount, mySafetyValet, good driver, Steer into Savings, and accident-free.
  • GEICO may include discounts for membership and employees, five-year accident-free, multi-vehicle, defensive driver, good student, and air bags.
  • 21st Century policyholders can earn discounts including anti-lock brakes, 55 and older, air bags, early bird, and defensive driver.
  • Progressive discounts include online quote discount, homeowner, online signing, multi-policy, and continuous coverage.

When getting free insurance coverage quotes, it’s a good idea to each company or agent which credits you are entitled to. Depending on the company, some discounts might not apply in your area. To see a list of insurers that provide some of the discounts listed above, click here.

When do I need an agent’s advice?

When choosing adequate coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions might point out whether or not you may require specific advice.

  • Am I covered by my spouse’s policy after a separation?
  • Is extra glass coverage worth it?
  • Where can I find high-risk insurance?
  • When do I need to add a new car to my policy?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I pay less for low miles?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is the difference between comprehensive and collision coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I have coverage if my license is suspended?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Educate yourself about auto insurance coverages

Learning about specific coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages found on the average auto insurance policy.

Liability insurance

This protects you from injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like emergency aid, attorney fees, funeral expenses, repair costs for stationary objects and loss of income. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, hitting a bird and rock chips in glass. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage pays for damage to your SLX caused by collision 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 coverage protects against things like crashing into a building, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s 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. So UM/UIM coverage is very important.

Medical expense insurance

Med pay and PIP coverage pay for bills for rehabilitation expenses, ambulance fees and pain medications. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

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

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Save your hard earned cash

When you buy insurance coverage online, don’t be tempted to buy poor coverage just to save money. There have been many cases where someone dropped liability coverage limits only to find out that it was a big mistake. The proper strategy is to buy the best coverage you can find at the best price, not the least amount of coverage.

We just presented some good ideas how you can reduce 1999 Acura SLX insurance premium rates online. The key thing to remember is the more price quotes you have, the better likelihood of getting low cost insurance coverage. Drivers may discover the most savings is with the smaller companies. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.

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