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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I really doubt anyone enjoys paying for insurance, particularly when the cost is too high. Many auto insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurer to find the lowest cost out there.

It’s a good habit to quote other rates yearly because insurance prices tend to go up over time. If you had the best deal for RL coverage on your last policy other companies may now be cheaper. There are a lot of ways to save on insurance on the web, but you can learn a bunch of ideas how to lower your insurance rates.

The easiest way to compare rate quotes takes advantage of the fact all the major auto insurance companies provide online access to give rate comparisons. All consumers are required to do is provide information including how many miles driven, what you do for a living, your general credit rating, and coverage limits. Your rating data is instantly sent to all major companies and you receive quotes within a short period of time.

Cheaper auto insurance rates with discounts

Companies that sell car insurance don’t list their entire list of discounts in an easy-to-find place, so we researched a few of the more well known as well as some of the hidden credits available to bring down your rates.

  • Multi-line Discount – Larger companies have a discount if you purchase some life insurance too.
  • Sign Online – A few larger online companies will discount your bill up to fifty bucks get insurance on your computer.
  • Anti-theft Discount – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Resident Student – Children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
  • Accident-Free Discounts – Drivers who don’t have accidents can earn big discounts as compared to drivers who are more careless.
  • Multi-car Discount – Purchasing coverage when you have multiple cars or trucks with the same company can reduce the rates for all insured vehicles.
  • Renewal Discounts – A few larger companies allow discounts for signing up before your current expiration date. You may see this discount when you get insurance quotes online.
  • Onboard Data Collection – Drivers that enable their company to spy on their driving habits by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if their driving habits are good.
  • Military Discounts – Being deployed with a military unit could mean lower prices.

As a sidenote, most discount credits are not given to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think you could get a free auto insurance policy, it’s just not the way it works. Any qualifying discounts should help lower your overall premium however.

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

When comparing rates, check with each insurance company to apply every possible discount. Some discounts listed above might not be available to policyholders in your state.

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

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Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different so this has to be addressed. For example, these questions may help you determine if you would benefit from professional advice.

  • Where can I find DUI or SR-22 insurance?
  • Am I covered if I drive in a foreign country?
  • Will my rates increase for filing one claim?
  • Does my policy cover me when driving someone else’s vehicle?
  • Where can I find high-risk insurance?
  • Does insurance cover tools stolen from my truck?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Informed consumers know how to get auto insurance at a discount

A large part of saving on auto insurance is knowing the different types of things that aid in calculating the price you pay for auto insurance. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower auto insurance prices. Multiple criteria are part of the equation when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but other factors are more obscure like where you live or your vehicle rating.

  • Good drivers have lower prices – Having just one chargable violation can boost insurance rates forty percent or more. Attentive drivers have lower premiums as compared to those with violations. Drivers with flagrant citations like DUI or reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to legally drive.
  • Safer cars means lower prices – Cars with high safety ratings can get you lower premiums. The safest vehicles reduce the chance of injuries and better occupant protection means less claims paid which can result in lower premiums.
  • Does car insurance cost more for men? – Over time, data shows women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women cause fender benders in similar percentages, but men have costlier accidents. Not only are claims higher, but men have more aggressive citations like reckless driving and DUI.
  • Protect yourself with liability insurance – Your auto insurance policy’s liability coverage will provide protection if you are found liable for an accident. Liability insurance provides legal defense coverage to defend your case. It is affordable coverage compared to physical damage coverage, so do not skimp.

Information about specific coverages

Learning about specific coverages of insurance can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on most insurance policies.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, hitting a parking meter, hitting a mailbox, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Auto liability – Liability coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as medical expenses, pain and suffering, loss of income, attorney fees and court costs. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Acura RL.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for immediate expenses like ambulance fees, nursing services, hospital visits and surgery. They are used to fill the gap from your health insurance plan or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from flooding, a broken windshield, hitting a bird, damage from a tornado or hurricane and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

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

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Make a quick buck

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are too many instances where someone sacrificed liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage for the lowest cost, not the least amount of coverage.

Throughout this article, we presented a lot of information how to shop for 2007 Acura RL insurance online. The most important thing to understand is the more times you quote, the better your chances of lowering your premium rates. You may even find the biggest savings come from a small local company. They may often insure only within specific states and give getter rates compared to the large companies like Allstate, GEICO and Progressive.

Even more information can be found in the articles below: