View 2011 Acura RL Car Insurance Cost 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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Having to pay for expensive Acura RL insurance can dwindle your bank account and put a big crunch on your finances. Price shopping at each renewal is an excellent way to ensure you are getting the best deal.

Consumers have many auto insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, it can be more difficult to find the lowest cost provider.

Insurance coverage quotes and discounts

Some providers don’t always advertise every possible discount very well, so the following list contains some of the more common and also the lesser-known discounts that you can inquire about if you buy car insurance online. If you’re not getting every credit you qualify for, you could be saving more on your insurance coverage.

  • Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
  • Defensive Driver – Passing a course teaching driver safety skills could cut 5% off your bill and make you a better driver.
  • Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discounted rate on car insurance if you buy auto and life insurance together.
  • Student in College – Kids who live away from home at college and won’t have access to an insured vehicle could qualify for this discount.
  • Accident Waiver – This one is not really a discount per se, but certain companies will let one accident slide without getting socked with a rate hike so long as you are claim-free for a certain period of time.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. You can use this discount normally up until you turn 25.

Don’t be shocked that many deductions do not apply to the entire policy premium. Most only cut the cost of specific coverages such as comprehensive or collision. So even though you would think you can get free auto insurance, it doesn’t quite work that way.

Large insurance coverage companies and a selection of discounts can be read below.

  • State Farm may have discounts that include safe vehicle, defensive driving training, accident-free, driver’s education, passive restraint, multiple autos, and anti-theft.
  • Esurance offers discounts for anti-theft, safety device, emergency road assistance, Pac-12 alumni, good driver, renters, and anti-lock brakes.
  • Progressive policyholders can earn discounts including continuous coverage, good student, homeowner, online quote discount, and online signing.
  • Liberty Mutual may offer discounts for exclusive group savings, newly retired, multi-policy, safety features, and new vehicle discount.
  • Auto-Owners Insurance offers discounts including company car, safe vehicle, good student, paid in full, multi-policy, and paperless.
  • GEICO includes discounts for seat belt use, daytime running lights, good student, federal employee, and multi-vehicle.

If you are trying to find affordable car insurance quotes, ask every company how many discounts you can get. Some discounts listed above may not be offered everywhere. If you would like to see a list of insurers that offer discounts, enter your zip code here.

How to get free insurance quotes online

Reducing your 2011 Acura RL insurance rates is actually quite simple. Consumers just need to invest a little time to get quotes to find. It’s super easy and can be done in just a few minutes using one of these methods.

  • The best way to get quotes for comparison is to use a rate comparison form. This easy form saves time by eliminating separate quotes for each company. Filling out one form will get you rate comparisons from several companies.
  • A slightly less efficient method to analyze rates consists of visiting each company’s website to complete their respective quote request forms. For sake of this example, let’s say you want to get rates from State Farm, GEICO and American Family. In order to get each rate, you would have to go to every website and type in your information over and over, which can get old fast.
  • The hardest way to get comparison rates is to drive around to all the different insurance agencies. Quoting and buying insurance online reduces the need to sit down with an agent unless your situation requires the professional advice that only a licensed agent can provide. It is possible to price shop online but have your policy serviced through an agent.

It’s your choice how you get your quotes, but make darn sure you compare exactly the same coverage information for each price quote. If the quotes have different coverage information it will be very difficult to determine which company has the best rates.

Situations that may require an agent’s advice

When it comes to buying proper insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.

  • Does coverage extend to my business vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • When do I need to add a new car to my policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I have any recourse if my insurance company denies a claim?
  • What can I do if my company denied a claim?
  • Does my insurance cover a custom paint job?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out your zip code. It only takes a few minutes and can help protect your family.

Car insurance coverages 101

Knowing the specifics of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages found on most car insurance policies.

Liability – Liability coverage will cover damage that occurs to other’s property or people in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as repair costs for stationary objects, medical expenses, legal defense fees, emergency aid and attorney fees. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liability limits.

Collision – Collision insurance will pay to fix damage to your RL caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a ditch, rolling your car, scraping a guard rail and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive protection – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, rock chips in glass and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage – Med pay and PIP coverage pay for short-term medical expenses for things like surgery, funeral costs, prosthetic devices, rehabilitation expenses and X-ray expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

A penny earned…

More affordable car insurance is definitely available from both online companies as well as from independent agents, and you should compare rates from both so you have a total pricing picture. A few companies do not offer the ability to get quotes online and usually these small, regional companies only sell through independent insurance agencies.

When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. There are many occasions where an insured dropped full coverage and discovered at claim time that it was a big mistake. The ultimate goal is to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

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