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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Searching for cheaper insurance rates for your Acura RL? If you are new to online insurance, you can easily be confused thanks to the incredible selection of insurance companies all claiming to save you money.

It’s important to shop coverage around every six months because insurance rates change frequently. If you had the lowest premium rates for RL insurance at your last renewal you will most likely find a better price today. Ignore everything you know about insurance because I’m going to let you in on the secrets to the only way to save money, get proper deductibles and limits, all at the lowest rate.

Finding the best rates is not that difficult. If you currently have car insurance, you should be able to lower your premiums substantially using this strategy. Nevertheless, vehicle owners must know how companies price insurance differently and take advantage of how the system works.

Save a ton by getting discounts

The cost of insuring your cars can be expensive, but you may be missing some discounts that can help lower your rates. Some discounts apply automatically when you quote, but occassionally some discounts must be inquired about prior to receiving the credit. If you do not check that you are getting every discount possible, you are throwing money away.

  • Driving Data Discount – Insureds that choose to allow their company to look at when and where they use their vehicle remotely like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they are good drivers.
  • Good Students Pay Less – Maintaining excellent grades could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Buy New and Save – Putting insurance on a new car can save you some money since newer models are generally safer.
  • Organization Discounts – Being a member of a civic or occupational organization could trigger savings when shopping for auto insurance.
  • Distant Student – Youth drivers living away from home attending college and do not take a car to college may be able to be covered for less.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way. But any discount will definitely lower the cost of your policy.

For a list of providers offering auto insurance discounts, follow this link.

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

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Low cost auto insurance prices

There are several ways to compare auto insurance prices and some are easier and takes less work. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you can stay home and use the web to get rates in a matter of minutes.

Many insurance companies belong to a marketplace where prospective buyers send in one quote, and each participating company returns a rated price determined by their information. This system prevents you from having to do quotation requests for each company.

To enter your information into the quoting system, click here (opens in new window).

The one downside to comparing rates this way is you don’t know exactly the companies you want to price. If you wish to select specific insurance companies for rate comparison, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but try to keep equivalent coverage limits for each comparison quote. If you enter mixed coverages it will be nearly impossible to make an equal comparison. Just slight variations in coverage limits could mean much higher rates. It’s important to know that comparing a wide range of rates will enable you to find more affordable rates.

Why smart buyers pay less for Acura RL insurance

Consumers need to have an understanding of the factors that go into determining car insurance rates. If you have a feel for what determines base rates, this empowers consumers to make smart changes that will entitle you to better car insurance rates.

  • Marriage discount – Getting married actually saves money on car insurance. Marriage translates into being more mature and responsible and it’s statistically proven that married drivers tend to file fewer claims.
  • Prevent theft and save money – Selecting a car model with advanced anti-theft systems can save you some money. Systems that thwart theives such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your vehicle from being stolen.
  • Car insurance policy lapses lead to higher prices – Driving any period of time without insurance can get your license suspended and you will pay a penalty because you let your coverage have a gap. Not only will you pay higher rates, getting caught without coverage will get you a steep fine or even jail time. You will then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Save money with higher physical damage deductibles – The deductibles you choose state the amount of money you are required to pay if a covered claim is submitted. Physical damage protection, also known as collision and other-than-collision, insures against damage to your car. Some examples of covered claims are a windshield broken by a bird, vandalism, or theft of your vehicle. The more of the claim you have to pay, the better rate you will receive for RL insurance.
  • Age of drivers – Older people are more responsible, tend to file fewer claims , and usually have better credit.Drivers with little experience have been known to get distracted easily when behind the wheel therefore car insurance rates are much higher.
  • Rural vs Urban Areas – Residing in less populated areas may provide you with better prices when insuring your vehicles. Residents of big cities have to deal with more road rage incidents and more severe claims. Fewer drivers on the road corresponds to lower accident rates and lower theft and vandalism rates.

Your auto insurance coverage should be tailored to you

When choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

These are some specific questions may help you determine if you may require specific advice.

  • Can I rate high risk drivers on liability-only vehicles?
  • Can I get a multi-policy discount?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What if I owe more than I can insure my car for?
  • What is medical payments coverage?
  • Is my nanny covered when driving my vehicle?
  • Is pleasure use cheaper than using my 2010 Acura RL to commute?
  • What exactly is covered by my policy?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

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

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Insurance coverage specifics

Learning about specific coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision insurance

This coverage pays for damage to your RL from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, rock chips in glass, theft, hitting a bird and fire damage. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage kick in for bills for things like nursing services, dental work, surgery and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Liability coverage

This protects you from damage that occurs to other’s property or people that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

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. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as repair bills for other people’s vehicles, bail bonds, medical services, medical expenses and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Do the work, save more money

As you go through the steps to switch your coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

Throughout this article, we presented a lot of techniques to save on 2010 Acura RL insurance. The key concept to understand is the more you quote insurance, the better chance you’ll have of finding cheap insurance. Consumers could even find that the lowest priced car insurance comes from a lesser-known regional company.

People who switch companies do it for many reasons like policy cancellation, policy non-renewal, being labeled a high risk driver or even delays in responding to claim requests. It doesn’t matter why you want to switch finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

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