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: Apr 21, 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.

Paying for high-priced Acura RL insurance can empty your bank account and make it hard to pay other bills. Getting a rate comparison is a great way to make ends meet.

Numerous insurance companies battle for your hard-earned dollar, so it’s not easy to compare every insurer to get the best rate

If you have a policy now or need new coverage, you can use these tips to cut your premiums and still get good coverage. Choosing the best insurance company for you is not that difficult. Consumers just need to know the proper methods to shop their coverage around over the internet.

Lower rate quotes with these discounts

Not too many consumers would say insurance coverage is affordable, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply at the time of purchase, but occassionally some discounts must be inquired about prior to receiving the credit.

  • Bundle and Save – If you can bundle your home and auto insurance and insure them both with the same insurance company you could earn a discount of nearly 15% which can help you find cheaper insurance.
  • Accident Waiver – but some companies like Allstate, Progressive, and GEICO will let one accident slide without getting socked with a rate hike so long as you are claim-free prior to being involved in the accident.
  • Switch and Save Discount – A few insurance companies allow discounts for switching to them prior to your current policy expiring. Ten percent is about the average savings.
  • Good Grades Discount – Maintaining excellent grades could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
  • Active Military Service – Being on active deployment in the military can result in better rates.
  • Federal Employees – Federal government employees may reduce rates when you quote insurance on RL coverage with certain companies.
  • Student in College – who live away from home to go to college and don’t have a car can receive lower rates.
  • Payment Method – If you can afford to pay the entire bill rather than spreading payments over time you can avoid the installment charge.
  • Professional Memberships – Joining certain professional organizations could qualify you for a break on your bill.

Remember that most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. Despite the appearance that adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

Some of the larger companies who may offer these discounts include:

Before purchasing a policy, check with each company how many discounts you can get. A few discounts might not be available to policyholders in your area. To locate insurers that can offer you the previously mentioned discounts, click this link.

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

secured lock Secured with SHA-256 Encryption

Insurance can be complex

When choosing the best insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your insurance needs would benefit from professional advice.

  • When can my company non-renew my policy?
  • Is extra glass coverage worth it?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I missing any policy discounts?
  • How do I buy GAP insurance?
  • If my pet gets injured in an accident are they covered?
  • Do all my vehicles need collision coverage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers constantly see and hear ads that claim the best premium rates from companies such as State Farm, Allstate and GEICO. They all seem to advertise the message about savings if you move to them.

How do they all sell you cheaper insurance coverage? It’s all in the wording.

Insurance companies have a preferred profile for the type of customer that is profitable for them. An example of a profitable customer could be between the ages of 40 and 55, has had continuous coverage, and has a high credit rating. A customer that meets those criteria gets the lowest car insurance rates as well as cut their rates if they switch.

Potential insureds who cannot meet these criteria will be quoted a higher rate which usually ends up with the customer not purchasing. If you listen to the ad wording, they say “people who switch” not “everyone that quotes” save that much. That’s the way companies can truthfully make those claims.

That is why you should do a price quote comparison at every renewal. You cannot predict which company will have the lowest premium rates for your situation.

The coverage is in the details

Understanding the coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on the average insurance policy.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for things like surgery, X-ray expenses, funeral costs, dental work and pain medications. The coverages can be used to fill the gap from your health insurance policy 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. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, hitting a parking meter, driving through your garage door, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Acura RL.

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


This provides protection from damage that occurs to other’s property or people by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like emergency aid, medical services, repair costs for stationary objects, court costs and bail bonds. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, hail damage and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

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

secured lock Secured with SHA-256 Encryption

Save your cold hard cash

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced full coverage to discover at claim time they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

Throughout this article, we presented many ideas to reduce 2002 Acura RL insurance premium rates online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even discover the best price on car insurance is with a lesser-known regional company. They may only write in your state and offer lower prices as compared to the big name companies such as State Farm or Progressive.

Even more information can be read in the articles below: