Save on 2006 Acura RL Insurance Quotes

Want the cheapest car insurance rates for your Acura RL? Trying to find the cheapest insurance for an Acura RL can normally be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to find car insurance online and you need to know the best way to price shop coverage for a Acura and get the cheapest rates either online or from local insurance agents.

How to Compare Insurance Quotes

Getting a lower price on 2006 Acura RL insurance can be quick and easy. All you need to do is spend a little time comparing rate quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The fastest way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do multiple quote forms to each individual insurance company. One quote request will get you price quotes from insurance companies with the best prices. It’s definitely the quickest method.
  2. A different way to find lower rates requires a visit to the website for every company you want to comare and request a quote. For instance, let’s assume you want to compare Auto-Owners, Geico and GMAC. You would have to go to every website to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but ensure you’re using apples-to-apples quote information with each company. If you use higher or lower deductibles then you won’t be able to determine the best price for your Acura RL.

Do you qualify for discounts?

Insurance can cost an arm and a leg, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but less common discounts must be manually applied in order for you to get them. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts up to 30%.
  • Senior Discount – Mature drivers can possibly qualify for a discount up to 10% for RL insurance.
  • No Charge for an Accident – A few companies will forgive one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Claim Free – Drivers with accident-free driving histories pay less compared to frequent claim filers.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Multiple Cars – Having all your vehicles on one policy may reduce the rate for each vehicle.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will bring down your premiums.

Insurance companies that may have these benefits include:

Double check with every prospective company what discounts are available to you. Some discounts might not be offered in your area.

Don’t assume everyone needs the same coverage

When choosing the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your situation would benefit from professional advice.

  • Is my cargo covered for damage or theft?
  • When should I drop full coverage on my 2006 Acura RL?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I need replacement cost coverage on my 2006 Acura RL?
  • Will filing a claim cost me more?
  • Is my vehicle covered by my employer’s policy when using it for work?

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, fill out this quick form. It’s fast, free and can help protect your family.

Auto insurance coverage options for an Acura RL

Understanding the coverages of a auto insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision insurance

This coverage will pay to fix damage to your RL from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a parking meter, scraping a guard rail and rolling your car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Liability insurance

Liability coverage will cover damage or injury you incur to a person or their property. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like legal defense fees, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like nursing services, funeral costs, EMT expenses, rehabilitation expenses and pain medications. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, a tree branch falling on your vehicle, a broken windshield, fire damage and damage from getting keyed. The highest amount your auto 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

This gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Acura RL.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.