Lower Your 2000 Acura RL Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Have you fallen victim to an overpriced insurance coverage policy? Believe me, there are many people just like you. Having so many choices of insurance companies, it can be hard to choose the lowest cost company.

You need to get comparison quotes yearly because rates are adjusted regularly by insurance companies. Even if you think you had the best rates on RL coverage on your last policy a different company probably has better rates today. So just ignore everything you know about insurance coverage because I’m going to teach you the fastest and easiest way to find lower rates on insurance coverage.

Don’t pay full price with these discounts

Car insurance companies don’t always advertise all available discounts very clearly, so we took the time to find some of the more common and the more hidden discounts you could be receiving. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Clubs and Organizations – Affiliation with certain professional organizations could trigger savings when shopping for auto insurance on RL coverage.
  • Student Driver Training – Have your child take driver’s ed class in school.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiring. This can save 10% or more.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you will save approximately 10% to 15%.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Safety Course Discount – Taking part in a defensive driving course could cut 5% off your bill if you qualify.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Distant Student – Any of your kids who live away from home without a vehicle on campus may qualify for this discount.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on RL coverage than drivers with accident claims.

A little note about advertised discounts, some credits don’t apply to the entire cost. Most only cut individual premiums such as collision or personal injury protection. So when it seems like adding up those discounts means a free policy, you’re out of luck.

Companies that possibly offer these money-saving discounts are:

Double check with each insurance company which discounts they offer. All car insurance discounts might not be offered everywhere.

These factors can influence Acura RL insurance rates

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for car insurance. When you know what positively or negatively determines base rates helps enable you to make changes that could result in lower car insurance prices.

The list below includes a few of the “ingredients” that factor into premiums.

  • Special features that cut premiums – Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
  • The more you drive the more you pay – The more you drive each year the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Vehicles left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your car insurance policy is showing the correct driver usage, because it can save money. Incorrect usage on your RL can result in significantly higher rates.
  • Where you live – Living in less populated areas can be a good thing when insuring your vehicles. Fewer drivers means reduced accidents and a lower car theft rate. Urban drivers regularly have much more traffic to deal with and longer commutes to work. Higher commute times means higher likelihood of an accident.
  • Keep rates low by being claim-free – If you file claims often, you can look forward to either higher rates or even cancellation. Insurance companies give discounts to drivers who are claim-free. Car insurance is intended for larger claims.

Your personal situation dictates your coverage

When buying coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions can help discover if your insurance needs may require specific advice.

  • Do I need added coverage for expensive stereo equipment?
  • Do I have coverage when making deliveries for my home business?
  • How can I get high-risk coverage after a DUI?
  • Is my teen driver covered when they drive my company car?
  • Is pleasure use cheaper than using my 2000 Acura RL to commute?
  • How many claims can I have before being canceled?
  • What is the minimum liability in my state?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Car insurance 101

Having a good grasp of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

Coverage for liability

This provides protection from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as repair bills for other people’s vehicles, repair costs for stationary objects, pain and suffering, loss of income and medical expenses. How much coverage you buy is a personal decision, but buy higher limits if possible.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Acura RL.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as pain medications, nursing services, surgery, hospital visits and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, fire damage, hitting a deer, hail damage and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

This coverage covers damage to your RL resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a building, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Save for a rainy day

We just presented a lot of information how to save on 2000 Acura RL insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from a small local company. Smaller companies often have lower prices on specific markets than their larger competitors like State Farm, GEICO and Nationwide.

When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, someone dropped full coverage and discovered at claim time they didn’t have enough coverage. Your goal should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Much more information about insurance is available at the links below

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