Easy Guide to Cheaper Acura 3.5RL Insurance Rates
If finding affordable car insurance was easy, most of us would take the time to do it. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. Buying insurance on your Acura 3.5RL might leave you feeling the same way.
Step One: Shop Around
The old way of buying car insurance was to make multiple trips to various local agents and get strong armed into a policy that didn't necessarily fit you. But you can now comparison shop and buy direct online!
You can compare insurance rates for a Acura 3.5RL simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
Simply click the link below to enter your information. Once complete, you can compare the returned rates and make a decision on which policy to purchase.
Insurance Quoting Tip! The only way to accurately compare rates bewteen different companies for your 3.5RL is to use identical coverage limits on all the quotes. If you use different liability limits and/or deductibles, you won't have an apples-to-apples rate comparison.
Step Two: How to Insure your 3.5RL for Less
After step one is complete, it's now time to analyze some of the other factors that can negatively impact car insurance rates for a 3.5RL.
- Comprehensive and collision coverages make up the majority of your car insurance bill. If you raise your deductibles, you can will see significant savings with every policy renewal.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- Teenage drivers can be very expensive to insure on newer vehicles will full coverage. You may be better off purchasing an older vehicle for your teenager and only insure it for liability.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- If you think the only financial impact of a speeding ticket is a fine and court costs, think again. Insurance companies will raise your rates for up to three years for a single ticket.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
- The less chance of injury to passengers in an accident means lower insurance rates. Vehicles with safety features like side-impact airbags, head injury protection, antilock bracks and traction control generally will be cheaper to insure.
- If you are a renter rather than a homeowner, you might pay a little more to insure your car. Owning a home takes financial repsonsibility and insurance companies reward those policy holders.
- Try to maintain a claim-free discount on your car insurance policy. Obviously you can't prevent large claims, but if they are smaller and you can afford to pay them out-of-pocket, do so.
- Membership has it's privleges. If you're a member of a professional organization, check to see if your company offers discounts to its members. It can add up to 5% or more.
- If you car makes the top ten list of most stolen cars, you might be paying a little extra to insure it.
Step Three: Make an Informed Buying Decision
Once you have compared identical rate quotes for your 3.5RL and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
On your new policy, double check that the effective date is the same as the date you are cancelling your old policy. This avoids any lapse in coverage which can cause an increase in your rates.
Before you drive your Acura 3.5RL home, make sure you have a current car insurance policy in force. Coverage will extend to the new purchase from your policy, but if you don't have a policy then you have no protection. Your existing car insurance policy will give you some coverage if you buy a new or used 3.5RL, but unless you are already paying for full coverage, you won't have it until you add the vehicle to your policy.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. Depending on your state's statutes, you may be required to file an SR-22 form if you've been convicted of an uninsured accident, DUI or license suspension. Make sure your new company is aware of this requirement and files it promptly.
More Educational Resources
For more detailed car insurance topics, visit the Insurance Information Institute.