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: Aug 13, 2018

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Looking for the cheapest insurance rates for your Acura RL? Finding the cheapest insurance for an Acura RL can be an all-consuming task, but you can use our insurance buying tips to save time. There is a better way to shop for insurance and we’ll show you the best way to price shop coverage for your Acura and obtain the cheapest rates from local insurance agents and online providers.

It’s a good idea to shop coverage around on a regular basis since prices are variable and change quite frequently. Just because you had the best deal on RL insurance a year ago the chances are good that you can find a lower premium rate today. There is a lot of bad advice regarding insurance online but in a few minutes you can learn some proven techniques to find cheap insurance.

How to compare free auto insurance rate quotes

Shopping for lower auto insurance rates can be challenging if you don’t understand the most efficient way to do it. You can spend your afternoon talking to agents in your area, or you can stay home and use online quotes to quickly compare rates.

Most car insurance companies are enrolled in a marketplace where insurance shoppers complete one form, and each participating company then gives them pricing based on that information. This system prevents you from having to do form submissions to every company.

To get comparison pricing now click here to start a free quote.

One minor caviat to getting quotes like this is you are unable to specify which providers to get pricing from. So if you prefer to pick from a list of companies to request quotes from, we have a listing of auto insurance companies in your area. View list of insurance companies.

Whichever way you use, try to keep apples-to-apples coverages and limits for each quote you get. If you compare differing limits it will be very difficult to truly determine the lowest rate.

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

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Smart consumers know how to buy car insurance at a discount

Part of the car insurance buying process is learning some of the elements that help calculate the rates you pay for car insurance. If you know what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to cheaper rates. Many different elements are part of the equation when you get a price on insurance. Some factors are common sense such as traffic violations, but some are less apparent like where you live or your vehicle rating.

  • Where you live plays a part – Having an address in smaller towns and rural areas of the country is a good thing when it comes to car insurance. Fewer drivers translates into fewer accidents and lower theft and vandalism rates. Drivers who live in large cities regularly have much more traffic and higher rates of accident claims. More time behind the wheel means more chances of being involved in an auto accident.
  • Put fewer miles on your vehicle – The more miles you rack up on your Acura each year the more you will pay for car insurance. Many insurance companies rate vehicles based upon how much you drive. Autos used primarily for pleasure use receive better premium rates than vehicles that are driven to work every day. It’s always a good idea to double check that your car insurance policy reflects the correct usage, because improper ratings can cost you money. Incorrect rating for your RL is throwing money out the window.
  • Employer can influence car insurance rates – Jobs like military generalsair traffic controllers and dentists are shown to have higher premium rates attributed to intense work-related stress and extremely grueling work hours. On the flip side, jobs such as professors, historians and the unemployed have lower than average premiums on RL insurance.
  • Driver age impacts premiums – Beginning drivers have a tendency to be less responsible when driving with friends and because of this, their car insurance rates are much higher. Older, more experienced drivers tend to be more responsible, are lower risk to insure .

These discounts can lower your insurance coverage quotes

Some insurance providers don’t list every discount very well, so we break down both the well known as well as the least known discounts that you may qualify for. If you do not double check each discount you qualify for, you’re paying more than you need to.

  • Drivers Education – Teen drivers should participate in a local driver’s education class if it’s offered in school.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Sign Online – A few larger online companies provide a small discount get insurance coverage on your computer.
  • First Accident Forgiveness – This one is not really a discount per se, but some insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a specific time period.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save 10% or more off the PIP or medical payment premium.

Don’t be surprised that some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts should help reduce the cost of your policy.

Companies who might offer these money-saving discounts include:

If you are trying to find cheap insurance coverage quotes, ask every company which discounts they offer. Some discounts listed above might not apply in your area. To see providers who offer free insurance coverage quotes, click here to view.

Different people need different auto insurance coverages

When it comes to choosing the best auto insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions could help you determine whether you will benefit from professional help.

  • Is my 2012 Acura RL covered for smoke damage?
  • Why do I only qualify for high-risk insurance?
  • When does my teenage driver need to be added to my policy?
  • Do I have coverage when making deliveries for my home business?
  • Is motorclub coverage worth it?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered when driving in Canada or Mexico?
  • Does coverage extend to my business vehicle?
  • Should I buy additional glass protection?
  • At what point should I drop full coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

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

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Car insurance coverage breakdown

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy.

Auto liability

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things like structural damage, legal defense fees, bail bonds and pain and suffering. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as dental work, funeral costs, ambulance fees, pain medications and EMT expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, vandalism and rock chips in glass. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for collisions

Collision coverage covers damage to your RL resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

A tidy conclusion

Some companies do not provide price quotes online regional carriers only sell through independent agents. Discount 2012 Acura RL insurance can be bought on the web as well as from independent agents, so you should compare both so you have a total pricing picture.

People leave their current company for any number of reasons including denial of a claim, questionable increases in premium, high rates after DUI convictions or even delays in responding to claim requests. Whatever your reason, finding the right insurance provider is not as hard as you think.

You just learned a lot of tips how to shop for 2012 Acura RL insurance online. The key thing to remember is the more providers you compare, the higher your chance of finding affordable insurance coverage. You may even find the lowest car insurance rates come from a lesser-known regional company.

To learn more, take a look at the resources below: