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: Sep 25, 2017

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Searching for the cheapest auto insurance rates for your Acura RL? Tired of being strong-armed to keep your car insured? You’re in the same situation as many other drivers.

Due to the abundance of insurance companies to choose from, it is hard for the average consumer to find the most affordable auto insurance company.

It’s a good idea to take a look at other company’s rates periodically because insurance prices are constantly changing. Just because you had the best rates on RL coverage a couple years back other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re about to learn one of the best ways to lower your rates without sacrificing coverage.

How to shop insurance coverage online

There are several ways to compare prices from different companies. The easiest way by far to find cheaper Acura RL rates is to use the internet to compare rates. It’s really quite simple and can be done in a couple minutes as outlined below.

  1. Experts agree that the best way to get quotes is a comparison rater form like this one (opens in new window). This method keeps you from doing repetitive form entry for each company you want a rate for. Just one form compares rates from several companies.
  2. A less efficient way to compare prices requires a trip to each individual company website and request a quote. For instance, we’ll assume you want to compare prices for USAA, Liberty Mutual and American Family. To do that, you would have to go to each individual site and punch in your information repeatedly, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

How you compare quotes is your choice, just ensure you’re using exactly the same coverages with each company. If your comparisons have different coverage information you will not be able to find the best deal for your Acura RL. Having just a slight variation in insurance coverages may cause a big price difference. And when quoting insurance coverage, remember that comparing more rates from different companies helps locate lower pricing.

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

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Earn discounts on insurance coverage

Buying insurance coverage is not cheap, but you may find discounts that you may not know about. Certain credits will be shown at quote time, but a few need to be requested specifically in order for you to get them.

  • Discount for Low Mileage – Low mileage vehicles could be rewarded with lower prices due to less chance of an accident.
  • Passenger Safety Discount – Factory air bags or automatic seat belts can get savings of 20% or more.
  • Paperless Signup – A few larger online companies give back up to $50 for buying your policy on the internet.
  • Federal Employees – Federal government employees may reduce rates when you quote insurance on RL coverage depending on your company.
  • Discount for Home Ownership – Simply owning a home can help you save on insurance coverage due to the fact that maintaining a home is proof of financial responsibility.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Defensive Driver Discounts – Participating in a course teaching driver safety skills could cut 5% off your bill and make you a better driver.
  • New Vehicle Savings – Buying a new car instead of a used car can save up to 30% due to better safety requirements for new vehicles.
  • First Accident Forgiveness – This one is not really a discount per se, but a few companies such as GEICO, State Farm, and Progressive will forgive one accident before hitting you with a surcharge if you have no claims prior to the accident.
  • Multiple Policy Discount – If you can bundle your home and auto insurance and place coverage with the same company you could get a discount of as much as 10 to 15 percent.

You can save money using discounts, but some credits don’t apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, you won’t be that lucky.

A few companies that have most of the discounts above are:

If you are trying to find cheap insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered on policies in your state. For a list of providers with the best discounts, click here.

Lower your insurance premiums

Lots of factors are part of the calculation when premium rates are determined. Some of the criteria are obvious such as your driving history, but other criteria are more transparent such as whether you are married and annual miles driven.Part of the auto insurance buying process is learning some of the things that come into play when calculating auto insurance rates. If you have a feel for what determines premiums, this helps enable you to make changes that may reward you with better auto insurance rates.

  • Older drivers pay less – Inexperience drivers tend to be inattentive in a vehicle and because of this, their auto insurance rates are much higher. If you’ve ever had to add a youthful driver onto a policy can cause a big jump in price. Older drivers are proven to be safer behind the wheel, statistically cause fewer accidents and are safer drivers.
  • Drive less and pay lower prices – The more miles you rack up on your Acura each year the more you will pay for auto insurance. A lot of companies charge rates based on their usage. Cars and trucks that do not get driven very much can be on a lower rate level than cars that get driven a lot. Incorrect rating for your RL may be costing you. Ask your agent if your auto insurance declarations sheet properly reflects the correct driver usage.
  • The higher your credit rating the lower your costs – Having a bad credit rating is likely to be a major factor in determining premium rates. Therefore, if your credit history is low, you could pay less to insure your 2008 Acura RL by repairing your credit. People with excellent credit tend to be better drivers and file fewer claims than those with lower credit ratings.
  • Know your vehicle’s NHTSA crash test rating – Cars with high safety ratings tend to be cheaper to insure. Vehicles engineered for safety protect occupants better and fewer serious injuries translates into savings for insurance companies and cheaper rates on your policy.
  • Auto insurance rates and your job – Did you know your career choice can influence rates? Occupations such as doctors, business owners and medical professionals are shown to have higher premium rates in part from job stress and lots of time spent at work. Conversely, careers such as scientists, historians and the unemployed get better rates on RL coverage.
  • Don’t buy incidental coverages you don’t use – There are quite a few extra add-on coverages that you can get tricked into buying if you don’t pay attention. Add-on coverages like roadside assistance, towing, and extra equipment coverage may be costing you every month. These coverages may sound good when talking to your agent, but if you’ve never needed them in the past remove them and pocket the money.

Tailor your insurance coverage to you

When buying the best insurance coverage for your vehicles, there really is no one size fits all plan. Every insured’s situation is different so this has to be addressed. These are some specific questions might help in determining whether your personal situation might need an agent’s assistance.

  • Can I make deliveries for my home business?
  • Does coverage extend to Mexico or Canada?
  • Do I benefit by insuring my home with the same company?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I have coverage if my license is suspended?
  • Which is better, split liability limits or combined limits?
  • Do I have coverage when using my vehicle for my home business?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

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

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Advertising myths

Auto insurance providers like Allstate and Progressive endlessly run ads on television and other media. All the ads have a common claim about how much you will save just by moving your policy. How does each company say the same thing? It’s all in the wording.

Auto insurance companies provide the lowest rates for the type of customer that will be a good risk. A good example of a desirable risk may be a female over age 40, has had continuous coverage, and drives less than 5,000 miles a year. Any person who fits those characteristics will most likely get cheap premium rates and as a result will probably save if they switch.

Potential customers who don’t measure up to this ideal profile may receive more expensive rates which leads to the customer buying from a different company. The ads say “drivers who switch” not “everybody who quotes” will save that much if they switch. That’s the way companies can make claims like that.

Each company has different criteria, so you really need to do a quote comparison often. It’s impossible to know which insurance companies will fit your personal profile best.

Coverage specifics

Learning about specific coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average insurance policy.

Auto liability insurance

Liability insurance can cover damage or injury you incur to people or other property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

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 a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like medical services, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses like prosthetic devices, hospital visits, X-ray expenses and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision protection

This coverage will pay to fix damage to your RL caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, scraping a guard rail, hitting a parking meter, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from flooding, rock chips in glass, vandalism and hitting a deer. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Quote more. Save more.

In this article, we covered many ways to shop for 2008 Acura RL insurance online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding cheaper insurance. Drivers may discover the most savings is with a small local company. They may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed uninsured motorist or liability limits only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage for the lowest cost, but don’t skip important coverages to save money.

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