Lower Your 2010 Acura RL Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

UPDATED: Apr 6, 2024

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No one in their right mind likes paying for car insurance, especially knowing they are paying too much. You have so many auto insurance companies to buy insurance from, and although it’s a good thing to have a selection, more options can take longer to find the lowest rates.

Finding affordable protection is quite easy. If you are insured now or need a new policy, you can use these techniques to shop for the lowest rates while maximizing coverage. Drivers just need to know the proper methods to find the lowest price over the internet.

These discounts can reduce insurance coverage rates

Some companies don’t list every discount available in an easy-to-find place, so the next list breaks down both the well known and the harder-to-find credits that you can use to lower your rates. If you don’t get every credit available, you’re just leaving money on the table.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Discounts for New Vehicles – Insuring a vehicle that is new can save up to 30% compared to insuring an older model.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
  • No Charge for an Accident – Not necessarily a discount, but companies like GEICO, State Farm, and Progressive will turn a blind eye to one accident without the usual rate increase with the catch being you have to be claim-free for a set time period.
  • Multiple Vehicles – Having multiple cars with one company can reduce the rates for all insured vehicles.
  • Safety Course Discount – Participating in a defensive driving course can save you 5% or more if your company offers it.
  • Braking Control Discount – Vehicles with ABS and/or traction control prevent accidents so companies give up to a 10% discount.

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as comp or med pay. Even though it may seem like all those discounts means the company will pay you, nobody gets a free ride. Any qualifying discounts will lower your policy cost.

Companies and a partial list of their discounts are:

  • State Farm offers discounts for driver’s education, anti-theft, student away at school, multiple autos, accident-free, and defensive driving training.
  • Progressive includes discounts for good student, continuous coverage, homeowner, online quote discount, multi-policy, and multi-vehicle.
  • Progressive has savings for continuous coverage, online signing, good student, homeowner, online quote discount, and multi-policy.
  • MetLife offers discounts including defensive driver, good student, good driver, claim-free, multi-policy, accident-free
  • Farm Bureau may have discounts that include 55 and retired, youthful driver, safe driver, renewal discount, driver training, multi-policy, and multi-vehicle.
  • GEICO policyholders can earn discounts including five-year accident-free, military active duty, daytime running lights, defensive driver, and good student.
  • SAFECO offers premium reductions for anti-lock brakes, safe driver, anti-theft, bundle discounts, multi-car, teen safety rewards, and homeowner.

Before you buy a policy, ask every insurance company which discounts you qualify for. Depending on the company, some discounts may not be available in every state.

How to buy insurance coverage online

Comparing insurance coverage rates can take time and effort if you don’t know the best way to get rate quotes. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can utilize the internet to accomplish the same thing much quicker.

Many companies participate in a marketplace where prospective buyers complete one form, and each participating company then returns a price quote. This prevents consumers from doing quote requests for each company.

To access this free quoting program, enter your zip code here.

The one downside to doing it this way is you are unable to specify the companies you will receive quotes from. If you prefer to choose from a list of companies for rate comparison, we have a page of companies who write insurance coverage in your area. Click to enter zip code.

Which method you use is up to you, but try to use the same quote information for each quote you get. If you use different data you will not be able to make a fair rate comparison.

When do I need an agent’s advice?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions may help you determine if your insurance needs might need professional guidance.

  • Why am I required to buy high-risk coverage?
  • When would I need additional glass coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • When should I buy a commercial auto policy?
  • Can I drive in Mexico and have coverage?
  • What is medical payments coverage?
  • Will filing a claim cost me more?
  • Do I have coverage if my license is suspended?
  • How much can I save by bundling my policies?
  • Are rock chip repairs covered?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out your zip code. It’s fast, free and you can get the answers you need.

Coverages available on your insurance policy

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types available from insurance companies.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your 2010 Acura RL.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Liability insurance

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like structural damage, repair bills for other people’s vehicles, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, theft, hitting a deer and fire damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses for rehabilitation expenses, nursing services, pain medications, surgery and X-ray expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, crashing into a ditch, sideswiping another vehicle, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Shop around and save

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. In too many instances, an insured dropped liability coverage limits only to regret at claim time that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at the best cost, but do not skimp to save money.

Budget-friendly car insurance can be bought online in addition to many insurance agents, and you need to price shop both to have the best selection. Some companies may not have price quotes online and most of the time these small insurance companies work with independent agents.

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