Three Steps to Cheaper Acura 1.6EL Insurance
If shopping for auto insurance was more enjoyable, it would get done more often. But in reality, the cost for insurance always seems too high and most people would prefer to get a root canal. Insuring your Acura 1.6EL is probably no exception.
Step One: Compare Rates
If it's been a few years since you shopped for car insurance, you might still think the only way to buy is from a local agent. But you can now comparison shop and buy direct online!
You can now shop all the best car insurance companies and compare rates for a Acura 1.6EL and you don't even have to visit each individual website!
To begin, click on the link below and complete the short form. It only takes a few minutes and it's helpful to have your current policy handy if you have one.
Apples-to-Apples! When doing comparison quotes for your 1.6EL, it's very important that you use the same liability limits and physical damage deductibles on each quote. Otherwise you will not be able to accurately determine which company has the lowest rates.
Step Two: Top Ways to Get Lower 1.6EL Insurance
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your 1.6EL insurance rates.
- Car insurance disounts for senior citizens are often offered by companies as well as discounts for belonging to a professional organization.
- You can save money on your physical damage coverage (comprehensive and collision) by increasing your deductibles. Higher deductibles mean you are willing to pay more before the insurance company covers a claim.
- If you have any teenage drivers in your household, expect to fork out quite a bit more for insurance. Rating them on a low profile vehicle with liability only coverage is the best way to save money.
- One of the easiest ways to keep your rates down is to drive safe. One speeding ticket can boost your rates for three years.
- If your Acura is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- For some reason, car theives target particular makes and models more than others. If your 1.6EL is on the list of the top stolen cars, you might want to install an extra theft deterrent system just to be safe.
- Good credit will get you lower car insurance rates. Evidence correlates good credit with low claims, so the better you maintain your credit level, the less risk you are to your company.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- When buying a new policy, you do not want a gap in coverage. This lapse is viewed by insurance companies as a high risk, and you will pay more for your next policy.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
Step Three: Choose a Company and Bind Coverage
Buying a new car insurance policy is just a matter of finalizing your application form and submitting it with your down payment. Once payment has been accepted, coverage is bound the effective date shown on your application.
The key thing to keep in mind when buying a new policy is you do not want your old policy to lapse. Make sure the effective date of the new policy is on or before the expiration date of your current policy.
Before you drive your Acura 1.6EL 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. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new 1.6EL will have that coverage extended to it. If you only have liability coverage on your policy, then you have no physical damage coverage on your new purchase.
Once you have purchased your policy, print out the insurance card that must go in your vehicle. This card fulfills the state law requiring you to prove financial responsibility. If an SR-22 is required due to a reckless driving conviction, DUI or conviction of driving without insurance, make sure your new company is aware of that. Not filing a court-ordered SR-22 can result in suspension of your driver's license.
Additional Insurance Information
For more information on car insurance topics like the claims process, rental car insurance and how much coverage you need, visit the Insurance Information Institute website.
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