2004 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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Consumers have lots of choices when looking for affordable Acura RL insurance. They can either spend hours driving around trying to get quotes or save time using the internet to compare rates. There are both good and bad ways to compare insurance rates so you’re going to learn the absolute fastest way to quote coverages on a Acura and locate the lowest price either online or from local insurance agents.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. Drivers only need to know the most effective way to get comparison quotes over the internet.

Insurance Coverage Quote Comparison

Finding a better price on insurance coverage doesn’t have to be difficult. Drivers just need to invest a little time comparing rate quotes online with multiple companies. This can be done in a couple of different ways.

  1. One of the simplest ways to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for a different quote to each individual insurance coverage company. One form submission will return price quotes from insurance coverage companies with the best prices. This is perfect if you don’t have a lot of time.
  2. A slightly less efficient method to analyze rates consists of visiting the website of each company to complete their respective quote request forms. For sake of this example, we’ll assume you want comparison quotes from GEICO, State Farm and Farmers. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The most time-consuming way of comparing rate quotes is to waste gas driving to insurance agents’ offices. Shopping for insurance coverage online has reduced the need for local agents unless you want the professional advice only provided by licensed agents. You can, however, get prices online and still use a local agent.

Whichever way you use, ensure you are comparing apples-to-apples coverage information for each comparison quote. If you compare unequal deductibles or liability limits it will be impossible to truly determine the lowest rate.

Which insurance is the “right” coverage?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every situation is different.

For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • What are the financial responsibility laws in my state?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is a fancy paint job covered?
  • Does having multiple vehicles earn me a discount?
  • Should I have a commercial auto policy?
  • Am I covered if I drive in a foreign country?
  • How much can I save by bundling my policies?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage options for a 2004 Acura RL

Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Coverage for liability

Liability coverage provides protection from damage that occurs to other people or property. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like structural damage, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like pain medications, dental work and funeral costs. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, hail damage, hitting a bird and falling objects. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage

Collision insurance pays for damage to your RL resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with another moving vehicle, hitting a mailbox, sideswiping another vehicle, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

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