Shoppers have a choice when shopping for the lowest priced Acura 1.6EL insurance. You can either spend your time struggling with agents to get rate comparisons or use the internet to make rate comparisons.
There are both good and bad ways to buy auto insurance and we’ll show you the best way to get price quotes for a new or used Acura and find the lowest possible price either online or from local insurance agents.
You need to get comparison quotes every six months because insurance rates are adjusted regularly by insurance companies. Even if you got the best rates on 1.6EL insurance two years ago a different company probably has better rates today. So just forget anything you know (or think you know) about auto insurance because it’s time to teach you one of the easiest ways to find better rates and still maintain coverage.
Free Auto Insurance Quotes
Finding a better price on auto insurance can be relatively painless. Drivers just need to spend a few minutes comparing price quotes from different insurance companies. This can be done in a couple of different ways.
- One of the best ways to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This method saves time by eliminating boring form submissions for every auto insurance company. Completing one form gets you price quotes from all major companies. This is by far the quickest method.
- Another way to compare prices requires visiting the website of each company and fill out their own quote form. For instance, we’ll assume you want to compare Allstate, 21st Century and Liberty Mutual. You would have to go to every website to input your insurance information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
- The least efficient way to compare rates is to spend time driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the professional guidance of a licensed agent. However, consumers can price shop your coverage online but buy from a local insurance agent.
It’s up to you which method you use, but double check that you are using apples-to-apples information for each comparison quote. If the quotes have different limits and deductibles on each one it’s not possible to truly determine the lowest rate.
Do you qualify for these 5 discounts?
Insuring your vehicles can cost a lot, but there could be available discounts that you may not know about. Most are applied at the time you complete a quote, but some must be asked about in order for you to get them. If they aren’t giving you every credit possible, you are paying more than you should be.
- Accident Free – Claim-free drivers can earn big discounts compared to drivers who are more careless.
- Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
- Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
- Homeowners Pay Less – Being a homeowner may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
- Multi-car Discount – Having more than one vehicle with the same company can get a discount on all vehicles.
Consumers should know that most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck. Any amount of discount will cut the cost of coverage.
For a list of insurers with discount auto insurance rates, click this link.
Price shop online but buy from a local agent
Some consumers would prefer to buy from a licensed agent. Licensed agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of comparing insurance prices online is you can get the lowest rates but also keep your business local. Supporting small agencies is definitely important in smaller communities.
Once you complete this quick form, your insurance data is sent to companies who will give you bids for your coverage. You won’t need to leave your house because quoted prices will be sent immediately to your email address. How cool is that?!
If you want to view a list of agents in your state to contact, visit this site.
Selecting a company needs to be determined by more than just the price. These questions are important to ask:
- What are the financial ratings for the companies they represent?
- How are claims handled?
- How much can you save by raising your physical damage deductibles?
- Does the agency support the community they serve?
- Can they provide you with a list of referrals?
Upon getting satisfactory answers to these questions and a good coverage price, you’ve probably found an insurer that meets your needs to properly service your auto insurance policy.
Auto insurance coverages and their meanings
Understanding the coverages of auto insurance can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.
Coverage for liability
Liability insurance protects you from injuries or damage you cause to people or other property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as structural damage, emergency aid and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.
Comprehensive (Other than Collision)
This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like damage from getting keyed, vandalism, a tree branch falling on your vehicle and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like prosthetic devices, chiropractic care and EMT expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible
Collision coverage
Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things like rolling your car, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Acura 1.6EL.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
More comparisons equals lower rates
The cheapest Acura 1.6EL insurance is attainable on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some auto insurance companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.
As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.
We just showed you a lot of tips how to compare Acura 1.6EL insurance prices online. It’s most important to understand that the more you quote, the better likelihood of reducing your rate. You may even discover the lowest priced auto insurance comes from a small mutual company.
