Compare 1996 Acura SLX Car Insurance Quotes

Searching for better insurance coverage rates? Consumers have lots of choices when looking for low-cost Acura SLX insurance. You can either spend your time calling around to get rate comparisons or save time using the internet to compare rates. There are more efficient ways to buy insurance coverage so you’re going to learn the proper way to get price quotes on a Acura and locate the lowest possible price from both online companies and local agents.

Cut your premium with discounts

Companies don’t list all their discounts very well, so here is a list some of the more common and the harder-to-find ways to save on insurance. If you don’t get every credit possible, you are paying more than you should be.

  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with a substantially lower rate.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • College Student – Children who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Accident Waiver – Some insurance companies will forgive one accident without raising rates if your claims history is clear for a set time period.
  • Multiple Policy Discount – If you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
  • Accident Free – Drivers who don’t have accidents pay much less when compared to drivers who are more careless.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on SLX insurance with certain companies.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like you could get a free insurance policy, it doesn’t quite work that way.

A partial list of companies that may have these money-saving discounts include:

Before buying, ask each company which discounts you may be entitled to. Savings may not apply in your area.

Free Auto Insurance Quotes

Finding a lower price on 1996 Acura SLX insurance is not a difficult process. Drivers just need to take the time comparing price quotes online with multiple companies. This is very easy and can be done in a couple of different ways.

  • The best way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This easy form eliminates the need for repetitive form entry to each individual auto insurance company. Taking the time to complete one form gets you coverage quotes from many national carriers. Recommended for those who want to invest the least amount of time.
  • A slightly less efficient method to obtain and compare quotes online requires visiting the website of each company and fill out their own quote form. For examples sake, let’s say you want to compare rates from Liberty Mutual, State Farm and GMAC. To find out each rate you need to take the time to go to each site to input your insurance information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

  • The most time-consuming method of comparing rate quotes is driving to insurance agents’ offices. The internet has reduced the need for local agents unless you have a need for the professional guidance of a local agent. You can, however, comparison shop your insurance online and still use a local agent and we’ll talk about that later.

However you get your quotes, make sure you use the exact same information with every price quote. If you use different deductibles it’s not possible to determine the best price for your Acura SLX.

Impacting insurance rates for an Acura SLX

Consumers need to have an understanding of the rating factors that go into determining the rates you pay for insurance. Understanding what impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

Listed below are some of the factors that factor into rates.

  • Battle of the sexes – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women have accidents at a similar rate, but the males cause more damage. They also get more serious tickets like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high insurance rates.
  • Better credit scores mean better rates – Credit history is a huge factor in determining your rates. If your credit is not that good, you could potentially save money when insuring your 1996 Acura SLX by repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower credit scores.
  • Protect yourself with liability coverage – The liability section of your policy is the coverage that protects you in the event that a court rules you are at fault for personal injury or accident damage. It provides you with a defense in court up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Being married can save on insurance – Being married can actually save you money on your insurance policy. It means you’re more responsible and statistics show being married results in fewer claims.
  • Discounts for multiple policies – Most insurance companies will award you with lower prices to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, you still need to compare other company rates to ensure the best deal. You may still be able to find better rates by splitting coverages up.
  • Traffic citations inflate rates – Your driving record has a big impact on rates. Even a single ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets have lower premiums than bad drivers. Drivers who get serious violations such as DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
  • Your stress level may be raising your rates – Occupations like lawyers, architects and dentists tend to pay the highest average rates because of high stress and lengthy work days. Other occupations like actors, historians and the unemployed have the lowest average rates on SLX insurance.

What is the best insurance coverage?

When buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if you might need professional guidance.

  • Do I need added coverage for expensive stereo equipment?
  • Is my cargo covered for damage or theft?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I put collision coverage on all my vehicles?
  • Am I covered when pulling a rental trailer?
  • What are the financial responsibility laws in my state?
  • What happens if I owe more than my 1996 Acura SLX is worth?
  • Do I have coverage if my license is suspended?
  • Does medical payments coverage apply to all occupants?
  • Can my babysitter drive my car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Car insurance coverage specifics

Understanding the coverages of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Liability coverage

This coverage will cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, funeral expenses and medical services. How much coverage you buy is up to you, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 1996 Acura SLX.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses such as EMT expenses, rehabilitation expenses, surgery, funeral costs and dental work. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This will pay to fix damage to your SLX resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, sustaining damage from a pot hole, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, damage from a tornado or hurricane, fire damage and vandalism. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Money doesn’t grow on trees

You just learned a lot of techniques to lower your 1996 Acura SLX insurance rates. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even find the biggest savings come from a small local company.

Lower-priced insurance is definitely available 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 online quoting and these smaller companies work with independent agents.

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

More information can be found on the following sites: