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: Jul 31, 2018

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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.

Comparing and finding cheaper coverage rates for Driversauto insurance is always difficult for beginners to online comparison shopping. People have so many options that it can turn into a real challenge to find more affordable auto insurance rates.

Buy car insurance online

To get the cheapest insurance quotes, there a variety of ways to obtain and compare prices from companies that offer car insurance in your state. The best method to compare Acura RL insurance prices consists of shopping online. This is quite simple and can be completed in a couple of different ways.

  • The first (and easiest) way to find low rates is a comparison rater form like this one (opens in new window). This method keeps you from doing separate quotation requests for every car insurance company. Taking the time to complete one form gets you price quotes instantly. It’s the fastest way to compare.
  • A slightly less efficient method to find lower rates requires a visit to the website for every company you want to comare and request a quote. For instance, let’s assume you want to view quotes from Nationwide, Allstate and Travelers. To find out each rate you need to go to each individual site and repeatedly type in your coverage information, which explains why we recommend starting with the first method.

    For a list of links to companies insuring cars in your area, click here.

  • The most time-consuming way to price shop rates is making phone calls or going to insurance agents’ offices. The ability to quote online eliminates this option unless you want the peace of mind that only an agent can give. You can, however, get the lowest quotes online but purchase the actual policy in an agency.

Whichever way you choose to compare rates, make absolute certain that you use apples-to-apples coverage limits and deductibles for each comparison quote. If you enter different liability limits it will be impossible to truly determine the lowest rate. Just slight variations in coverages may cause a big price difference. And when price shopping your coverage, comparing a large number of companies will improve the odds of getting more affordable rates. Some companies don’t provide online rate quotes, so it’s important to compare rates from those companies as well.

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

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Car insurance discounts are available to reduce your rates

Buying car insurance is not cheap, but there’s a good chance there are discounts that could help you make your next renewal payment. Some discounts apply automatically when you purchase, but lesser-known reductions have to be asked for in order for you to get them.

  • Discounts for Government Workers – Simply working for the federal government could qualify for a slight premium decrease for RL insurance depending on your car insurance provider.
  • Telematics Discount – Drivers that enable data collection to look at driving patterns through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they have good driving habits.
  • Homeowners Discount – Just owning your own home can save you money since home ownership means you have a higher level of financial diligence.
  • Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you could save 5% or more.
  • Save with a New Car – Insuring a vehicle that is new may earn a small discount because new model year vehicles have to meet stringent safety requirements.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

Some companies that may offer quotes with some of the above discounts include:

If you need affordable insurance quotes, ask all the companies which discounts you may be entitled to. Depending on the company, some discounts may not apply in your state. If you would like to see a list of insurance companies with significant discounts, click here to view.

Everyone needs different auto insurance coverages

When it comes to choosing the best auto insurance coverage, there really is no one size fits all plan. Every insured’s situation is different.

For instance, these questions may help highlight if your insurance needs could use an agent’s help.

  • Should I put collision coverage on all my vehicles?
  • Am I covered when driving a rental car?
  • How do I insure my teen driver?
  • Is my teenager covered with friends in the car?
  • What should my uninsured motorist coverage limits be in my state?
  • What is the ISO rating for a 2006 Acura RL?
  • Do I need added coverage for expensive stereo equipment?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form.

Auto insurance 101

Learning about specific coverages of your insurance policy can be of help when determining 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.

Coverage for uninsured or underinsured drivers

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Acura RL.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Liability insurance

This coverage will cover damages or injuries you inflict on other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as medical services, repair costs for stationary objects, medical expenses and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as nursing services, X-ray expenses, hospital visits, ambulance fees and chiropractic care. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverage protection

Collision insurance covers damage to your RL resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive insurance

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

Comprehensive insurance covers things such as rock chips in glass, a broken windshield and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.