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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If you’re trying to find lower-priced insurance on the web, do you get frustrated by the crazy number of auto insurance choices available to you? Lot’s of other drivers are too. Vehicle owners have such a vast assortment of choices available that it is a difficult challenge to lower your auto insurance rates.

How to compare car insurance quotes

To find cheaper prices, there are a couple of ways of comparing rate quotes from many available car insurance companies in your state. The easiest way to do a complete rate comparison consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.

  1. The fastest way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This form saves time by eliminating multiple quote forms for every prospective company. One quote request gets prices estimates from multiple low-cost companies. Just one form and you’re done.
  2. A less efficient way to find more affordable insurance is spending the time to visit each company website and request a quote. For example, we’ll assume you want to compare prices for USAA, Allstate and Liberty Mutual. In order to get each rate, you would have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular. For a list of companies in your area, click here.
  3. Even if you have time, the least recommended method to quote and compare insurance rates is physically going to insurance agents’ offices. Buying insurance online eliminates the need for an insurance agent unless you have a need for the professional guidance that only a licensed agent can provide. You can, however, price shop online but purchase the actual policy in an agency.

You can choose any of those ways to find more affodable coverage, but double check that you are using equivalent coverages and limits for every quote you compare. If your comparisons have differing limits it will be next to impossible to get a fair rate comparison. Just a small difference in insurance coverages or limits may result in a large different in cost. And when price shopping your coverage, making a lot of price comparisons increases the change that you will find a better price. Not every company allows you to get quotes online, so it’s important to compare price estimates on coverage from those companies, too.

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

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Insurance quotes and discounts

Companies that sell car insurance don’t always advertise the complete list of policy discounts very clearly, so here is a list a few of the more common as well as the least known discounts that you may qualify for.

  • Theft Deterent System – Cars and trucks that have factory anti-theft systems are less likely to be stolen and earn discounts up to 10% off your insurance quote.
  • One Accident Forgiven – Not really a discount, but a handful of insurance companies will let one accident slide before raising your premiums if you are claim-free for a specific time period.
  • Cautious Drivers – Insureds without accidents may save up to 50% more on RL coverage as compared to drivers with claims.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
  • Savings for New Vehicles – Insuring a new car can get you a discount compared to insuring an older model.
  • Telematics Discount – People who choose to allow their company to analyze where and when they drive by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they have good driving habits.
  • Senior Citizen Discount – If you’re over the age of 55, you may qualify for a discount up to 10% on RL coverage.

You should keep in mind that most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think you can get free auto insurance, nobody gets a free ride.

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

  • State Farm includes discounts for Drive Safe & Save, driver’s education, good driver, anti-theft, multiple autos, safe vehicle, and Steer Clear safe driver discount.
  • Farmers Insurance may offer discounts for homeowner, teen driver, alternative fuel, electronic funds transfer, and switch companies.
  • Progressive may have discounts that include multi-policy, continuous coverage, good student, online quote discount, multi-vehicle, homeowner, and online signing.
  • GEICO discounts include anti-lock brakes, driver training, membership and employees, anti-theft, military active duty, emergency military deployment, and five-year accident-free.
  • Auto-Owners Insurance policyholders can earn discounts including multiple vehicles, anti-lock brakes, paperless, company car, student away at school, paid in full, and multi-policy.
  • The Hartford offers discounts including good student, bundle, anti-theft, vehicle fuel type, air bag, and defensive driver.
  • Farm Bureau has savings for multi-policy, multi-vehicle, youthful driver, 55 and retired, renewal discount, and good student.
  • USAA offers discounts for safe driver, family discount, defensive driver, loyalty savings, military installation, and vehicle storage.

If you are trying to find the cheapest insurance quotes, ask all companies you are considering the best way to save money. Depending on the company, some discounts might not apply in your area. To view insurance companies with discount rates, click here to view.

Situations that may require an agent’s advice

When it comes to buying the best auto insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions might help in determining whether your personal situation might need an agent’s assistance.

  • How many claims can I have before being cancelled?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I benefit by insuring my home with the same company?
  • When should I remove comp and collision on my 2003 Acura RL?
  • Am I covered when pulling a rental trailer?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Car insurance coverage information

Having a good grasp of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, a broken windshield, hail damage, hitting a bird and fire damage. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

Collision insurance covers damage to your RL resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, colliding with a tree, scraping a guard rail and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Liability coverage

This coverage will cover damage or injury you incur to people or other property in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as structural damage, medical services, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Acura RL.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are set the same as your liablity limits.

Medical expense insurance

Coverage for medical payments and/or PIP pay for bills for nursing services, prosthetic devices, hospital visits, surgery and X-ray expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

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

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Buy Smart and Save

We just showed you a lot of ways to save on 2003 Acura RL insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with some of the lesser-known companies.

Some companies may not offer internet price quotes and usually these smaller companies sell through independent agencies. Lower-priced 2003 Acura RL insurance is possible from both online companies in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best chance of saving money.

When you buy insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at the best price.

To read more, feel free to visit the resources below: