Acura 3.5RL Insurance – 7 Tricks to Better Rates

Have you had enough of robbing Peter to pay Paul each month for car insurance? You are no different than many other consumers.

Consumers have many auto insurance companies to choose from, and though it is a good thing to have a choice, having more auto insurance companies makes it harder to locate the cheapest rates.

It is always a good idea to compare prices quite often since insurance rates are variable and change quite frequently. Even if you got the best price on 3.5RL insurance on your last policy you will most likely find a better rate today. Starting now, forget all the misinformation about auto insurance because we’re going to show you one of the best ways to find lower rates on auto insurance.

Finding affordable coverage is not rocket science. Just about every vehicle owner who is required by state law to have auto insurance will more than likely be able to find lower rates. Nevertheless, vehicle owners do need to learn how companies price online insurance and use this information to your advantage.

How to Compare Auto Insurance Costs

The are a couple different ways to compare rate quotes and find the best price. One of the best ways to find the lowest Acura 3.5RL rates is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

1. The easiest and least time consuming way to get the best comparison quotes is a comparison rater form click here to open form in new window. This type of form prevents you from having to do multiple quote forms for each company. A single form will return price quotes instantly.
2. Another way to shop for auto insurance online is to manually visit each company’s website to complete a price quote. For example, let’s assume you want to compare rates from Progressive, 21st Century and Liberty Mutual. To get each rate you have to go to every website to enter your coverage information, which is why the first method is quicker.

   For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just be sure to compare the exact same coverage limits and deductibles on every quote you get. If you enter mixed coverages it will be very difficult to truly determine the lowest rate. Having just a slight variation in coverages may result in large price differences. And when comparison shopping, comparing a large number of companies will increase your chances of finding the best price.

Verify you’re getting all your discounts

Auto insurance companies don’t list every available discount in an easy-to-find place, so we researched both well-publicized and the harder-to-find savings tricks you should be using.

• Sign Online – A handful of insurance companies give back up to $50 for buying a policy and signing up on their website.
• Discount for Life Insurance – Larger companies have better rates if you take out a life insurance policy as well.
• Student in College – Kids in college who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
• Drivers Ed for Students – Require your teen driver to take driver’s ed class if it’s offered in school.
• Lower Rates for Military – Having a deployed family member can result in better rates.
• Discount for Swiching Early – A few companies offer discounts for signing up before your current policy expires. The savings is around 10%.
• Auto/Home Discount – If you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most cut specific coverage prices like comp or med pay. Just because it seems like you could get a free auto insurance policy, you won’t be that lucky.

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

Coverages available on your auto insurance policy

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most auto insurance policies.

Liability – This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as attorney fees, funeral expenses, medical expenses and medical services. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Collision – Collision coverage will pay to fix damage to your 3.5RL from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like rolling your car, colliding with a tree, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Medical expense coverage – Med pay and PIP coverage pay for bills for X-ray expenses, surgery, prosthetic devices, chiropractic care and rehabilitation expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, fire damage and hitting a deer. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Final considerations

Cost effective Acura 3.5RL insurance can be found on the web as well as from independent agents, and you should be comparing both to have the best selection. Some insurance companies don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

We just covered a lot of ways to compare Acura 3.5RL insurance prices online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest priced auto insurance comes from some of the lesser-known companies. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.