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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Want better auto insurance rates for your Acura RL? Paying for pricey Acura RL insurance can bleed your funds and make it tough to pay other bills. Performing a rate comparison is a great way to reduce premiums and put more money in your pocket.

Many car insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurance companies to discover the definitive lowest cost out there.

It is always a good idea to do price comparisons yearly because insurance rates are usually higher with each renewal. If you had the lowest rate for RL coverage last year you can probably find a lower rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to how to use online quotes to find better coverage at a better price.

Low cost insurance prices

There are several ways to shop for insurance, and some are more efficient than others. You could spend the better part of a day driving to insurance agencies in your area, or you could save time and use the web to quickly compare rates.

Most major companies take part in a program where prospective buyers submit one quote, and each company returns a competitive quote based on the submitted data. This system prevents you from having to do quote requests to each company.

To find out what other companies charge click here (opens in new window).

The one disadvantage to doing it this way is that consumers can’t choose the providers to get quotes from. If you would rather choose specific providers to compare prices, we have assembled a list of companies who write insurance in your area. View list of insurance companies.

It’s up to you which method you use, but do your best to use equivalent coverage limits and deductibles for each price quote. If you enter different values for each quote then you won’t be able to decipher which rate is best. Slightly different insurance coverages can mean a large discrepancy in price. Keep in mind that comparing all the rates in your area will improve the odds of getting better pricing.

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

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Drivers save money with with these discounts

The cost of insuring your cars can be expensive, but you can get discounts that can drop the cost substantially. A few discounts will be applied at quote time, but lesser-known reductions have to be inquired about before they will apply. If you are not receiving all the discounts you deserve, you could be getting lower rates.

  • Homeowners Discount – Just owning your own home may trigger a policy discount on insurance coverage because of the fact that having a home means you have a higher level of financial diligence.
  • Passive Restraints – Options like air bags or automatic seat belts can qualify for discounts up to 30%.
  • Braking Control Discount – Cars that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Discounts for Seat Belt Usage – Requiring all passengers to buckle up before driving could cut 10% or more off the medical payments premium.
  • Waiver for an Accident – but certain companies will allow you to have one accident before raising your premiums so long as you are claim-free for a specific time period.
  • Paper-free Discount – A few insurance coverage companies will give you a small discount for signing up online.
  • Student in College – Kids who attend college more than 100 miles from home and leave their car at home may be able to be covered for less.
  • Data Collection Discounts – Drivers who elect to allow driving data submission to scrutinize driving patterns by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they exhibit good driving behavior.
  • Buy New and Save – Insuring a new car can be considerably cheaper since newer models have better safety ratings.
  • Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote auto insurance for RL coverage with some insurance coverage companies.

Don’t be shocked that some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, nobody gets a free ride. But all discounts should help reduce the cost of coverage.

A partial list of companies who may offer these discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering how you can save money. Discounts may not apply to policyholders in every state. If you would like to see a list of companies who offer cheap insurance coverage quotes, click here.

Four things that determine your insurance premiums

Lots of factors are part of the equation when pricing auto insurance. Some are pretty understandable like an MVR report, but other factors are less apparent like where you live and annual miles driven.

  • Your location is important – Residing in smaller towns and rural areas of the country has definite advantages when trying to find low car insurance rates. Urban drivers regularly have more traffic problems and higher rates of accident claims. Fewer drivers corresponds to lower accident rates.
  • Commute or pleasure use – The higher the mileage driven in a year’s time the higher your rate. Most insurance companies charge rates partially by how you use the vehicle. Cars that sit idle most of the time get more affordable rates than vehicles that have high annual mileage. An improperly rated RL is throwing money out the window. Verify your declarations sheet reflects the correct driver usage.
  • Multiple policies with one company can save – Some insurers will give better rates to buyers who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, it’s always a smart idea to check prices from other companies to help guarantee you have the best rates. You may still be able to find lower rates by buying from different companies
  • Cheaper premiums with safer cars – Vehicles with high crash test scores tend to have lower insurance rates. Highly rated vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company and cheaper rates on your policy.

Your situation helps dictate your coverage

When buying adequate coverage, there is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions might point out whether or not you might need an agent’s assistance.

  • How many claims can I have before being cancelled?
  • Do I need replacement cost coverage?
  • Am I getting all the discounts available?
  • What is the difference between comprehensive and collision coverage?
  • If my 2005 Acura RL is totaled, can I afford another vehicle?
  • How much underlying liability do I need for an umbrella policy?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

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

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Auto insurance coverage information

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.

Auto liability

This coverage can cover damage that occurs to a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as repair bills for other people’s vehicles, loss of income and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, vandalism and a broken windshield. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like EMT expenses, X-ray expenses, surgery and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Acura RL.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as scraping a guard rail, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Power to the consumer

We just covered some good ideas how to lower your 2005 Acura RL insurance prices. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding cheap auto insurance. Consumers could even find that the best price on car insurance is with a company that doesn’t do a lot of advertising. Regional companies can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.

When trying to cut insurance costs, you should never buy poor coverage just to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits only to regret that it was a big mistake. Your objective should be to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.

Additional detailed information is located in these articles: