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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Trying to find lower auto insurance rates for your Acura RL? Wish you could get a refund on overpriced auto insurance? You’re preaching to the choir because you are not the only one feeling buyer’s remorse. Due to the large number of options, it’s nearly impossible to pick the best insurance company.

Buying affordable auto insurance can be fairly easy. If you have a policy now or are just looking to switch companies, you will benefit by learning to shop for the lowest rates while maximizing coverage. Drivers just need to understand the most effective way to compare price quotes on the web.

Lower insurance rates with these tips

Multiple criteria are considered when premium rates are determined. Most are fairly basic like an MVR report, but others are less apparent such as your credit history or how safe your car is.

The items below are some of the most common factors companies use to determine your rate level.

  • Obey driving laws and save – Good drivers pay lower auto insurance prices as compared to careless drivers. Having just one chargable violation may cause rates to rise by twenty percent. Drivers with multiple violations like DUI or willful reckless driving are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
  • Marriage is a factor – Your spouse may save some money on your car insurance policy. It translates into being more mature and responsible and insurance companies like that being married results in fewer claims.
  • Bad credit will cost you – Having a good credit history is a large factor in calculating your car insurance rates. If your credit leaves room for improvement, you could save money insuring your 2001 Acura RL if you clean up your credit. Insureds that have high credit ratings tend to file fewer claims and have better driving records than those with worse credit.
  • What are your coverage deductibles? – Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your Acura. Examples of some claims that would be covered are a dented fender, hail damage, and windstorm damage. The deductibles are the amount of money the insured will be required to pay if you file a covered claim. The more you pay before a claim is paid (deductible), the less your company will charge you for insurance on RL insurance.
  • Insurance is expensive for youthful drivers – Mature drivers are shown to be more cautious, file fewer claims and receive fewer citations.Teenage drivers have a tendency to be easily distracted with other occupants in the car therefore car insurance rates are much higher.
  • Remove unneeded incidental coverages – There are a lot of extra bells and whistles that can waste your money when buying car insurance. Insurance for things like vanishing deductibles, accident forgiveness, and additional equipment coverage may be wasting your money. These coverages may sound good at first, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • Men drivers tend to cost more – Over the last 50 years, statistics have shown that females take fewer risks when driving. This data doesn’t prove that females are better at driving than males. Men and women cause accidents in similar percentages, but guys cause more damage and cost insurance companies more money. They also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.

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Affordable insurance rate quotes

Most companies like GEICO, State Farm and Progressive allow you to get coverage price quotes on their websites. Getting prices online is possible for anyone because you just enter your coverage preferences on the page. After you complete the form, their system orders credit information and your driving record and returns pricing information. Online price estimates helps simplify price comparisons, but the work required to visit multiple sites and enter the same data into a form is a waste of time. But it is imperative to do this if you want to get the lowest insurance rates.

The better way to compare rates

A better way to locate the lowest prices uses one form to obtain quotes from more than one company. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much simpler. Immediately after you send the form, it gets priced with multiple companies and you can pick any or none of the quote results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. This process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To quickly compare rates now, simply click here to open in new window and enter your information. If you have a policy now, it’s recommended you duplicate your coverages as close as possible to your current policy. This makes sure you will get an apples-to-apples comparison using the exact same coverages.

Are you falling for claims of savings?

Drivers can’t get away from ads that claim the lowest rates by companies like GEICO, State Farm and Progressive. They all state the claim that drivers can save some big amount after switching your policy.

How can each company make almost identical claims? You have to listen carefully.

Most companies have an ideal profile for the type of insured they prefer to insure. One example of a profitable insured may need to be between the ages of 30 and 45, has no tickets, and drives a vehicle with a low ISO rating. Any driver that fits those parameters gets the lowest prices and have a good chance to save a lot of money.

Consumers who do not meet those standards will get higher prices which translates to the driver buying from a lower-cost company. The ads say “customers who switch” but not “all drivers who get quotes” save that much money. That is how insurance companies can confidently make claims that they all have the best premium rates.

This really drives home the point why it is so important to get insurance coverage quotes from several different companies. Because you never know with any certainty which company will have the lowest rate quotes.

Drivers save money with these discounts

Companies that sell car insurance do not list all possible discounts very well, so the list below contains a few of the more well known as well as the least known discounts that you may qualify for.

  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out life insurance from them.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents so companies give up to a 10% discount.
  • Discounts for Good Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote on RL insurance than drivers with accidents.
  • Drivers Ed for Students – It’s a good idea to have your young drivers sucessfully take a drivers education course in high school.
  • Low Mileage Discounts – Keeping the miles down on your Acura could earn lower rates due to less chance of an accident.
  • Home Ownership Discount – Just being a homeowner can save a few bucks because it requires a higher level of personal finance.
  • Defensive Driving Course – Successfully completing a course in driver safety could earn you a small percentage discount and also improve your driving technique.
  • Membership in Organizations – Affiliation with qualifying clubs or civic groups is a good way to get lower rates on your bill.
  • Distant College Student Discount – Older children who are attending college without a vehicle on campus may be able to be covered for less.

A quick disclaimer, some of the credits will not apply to the entire cost. Some only apply to individual premiums such as medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Large insurance coverage companies and the discounts they provide are:

  • American Family has discounts for good driver, multi-vehicle, Steer into Savings, bundled insurance, mySafetyValet, and accident-free.
  • Farm Bureau policyholders can earn discounts including good student, multi-policy, renewal discount, youthful driver, and driver training.
  • State Farm discounts include defensive driving training, driver’s education, multiple policy, Steer Clear safe driver discount, passive restraint, good student, and anti-theft.
  • Travelers offers discounts including driver training, home ownership, payment discounts, good student, and multi-policy.
  • The Hartford may have discounts that include defensive driver, good student, air bag, driver training, bundle, vehicle fuel type, and anti-theft.
  • GEICO may offer discounts for driver training, federal employee, multi-vehicle, anti-theft, military active duty, and good student.
  • Progressive offers discounts for online signing, homeowner, continuous coverage, online quote discount, multi-vehicle, and multi-policy.

If you want inexpensive insurance coverage quotes, ask all companies you are considering which discounts you qualify for. Some discounts listed above may not be available in your area.

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Special considerations

When choosing adequate coverage, there is no best way to insure your cars. Each situation is unique so your insurance needs to address that. For instance, these questions might help in determining if you may require specific advice.

  • What is the ISO rating for a 2001 Acura RL?
  • Am I getting all the discounts available?
  • Do I need replacement cost coverage?
  • How high should my medical payments coverage be?
  • Am I covered if hit by an uninsured driver?
  • Should I have combined single limit or split liability limits?
  • Is my camper covered by my car insurance policy?
  • Can I rent a car in Mexico?
  • Does my insurance cover a custom paint job?
  • What are the financial responsibility laws in my state?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Information about specific coverages

Knowing the specifics of your policy aids in choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average car insurance policy.

UM/UIM Coverage

This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Acura RL.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance

Liability insurance provides protection from damage that occurs to people or other property. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as emergency aid, funeral expenses and legal defense fees. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Coverage for collisions

This will pay to fix damage to your RL resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, backing into a parked car, hitting a parking meter, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, vandalism, hail damage and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses such as ambulance fees, pain medications and X-ray expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Shop smart and save

When searching for the cheapest insurance coverage quotes, don’t be tempted to reduce coverage to reduce premium. In many instances, an insured dropped collision coverage only to regret that it was a big error on their part. The goal is to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.

You just read quite a bit of information on how to reduce 2001 Acura RL insurance car insurance rates online. The key concept to understand is the more times you quote, the better chance you’ll have of finding inexpensive insurance coverage. You may even find the biggest savings come from a smaller regional carrier. They can often provide lower premium rates in certain areas as compared to the big name companies such as Progressive and GEICO.

More tips and info about insurance can be read at these sites: