Five Minute Lesson to Buying Coverage Online for an Acura 1.6EL

Scraping up a payment for overpriced Acura 1.6EL insurance can take a big chunk out of your savings account and make it impossible to make ends meet. Doing a price comparison is free and is an excellent way to cut your insurance bill.

There is such a variety of car insurance companies to pick from, and although it’s a good thing to have multiple companies, it can be more challenging to compare rates and find the lowest cost car insurance.

This information will teach you the most effective way to quote insurance and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this information. But drivers benefit from understanding the methods companies use to price insurance differently and take advantage of how the system works.

Finding Car Insurance Deals

Most major insurance companies allow you to get coverage prices directly from their websites. Getting online quotes doesn’t take a lot of time as you simply enter as detailed in the form. Once entered, the company’s rating system will obtain credit information and your driving record and generates pricing information determined by many factors. Quoting online simplifies rate comparisons, but the work required to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to do this if you want to find better prices.

The preferred way to locate the lowest prices uses one form that analyzes rates from more than one company. It’s a real time-saver, requires less work, and makes online shopping much more efficient. Once the form is submitted, your coverage is rated and you can choose any of the returned quotes.

If you find a better price you can simply submit the application and purchase coverage. It takes 15 minutes at the most and can result in significant savings.

To quickly compare pricing, click here and complete the simple form. If you have your current policy handy, we recommend that you enter the insurance coverages identical to your current policy. Using the same limits helps guarantee you will receive a rate comparison for similar insurance coverage.

Companies offer discounts so take them!

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. Most are applied when you quote, but some may not be applied and must be inquired about before being credited.

• New Vehicle Savings – Insuring a new car can cost up to 25% less compared to insuring an older model.
• Own a Home – Owning a home can help you save on car insurance because maintaining a house demonstrates responsibility.
• Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can get savings of 20% or more.
• Student in College – Youth drivers who are attending college and do not have access to a covered vehicle can receive lower rates.
• Good Student – This discount can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
• Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
• Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
• Club Memberships – Belonging to a qualifying organization could trigger savings on your policy on 1.6EL insurance.
• Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• More Vehicles More Savings – Having multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.

It’s important to understand that most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will reduce your premiums.

For a list of insurance companies offering car insurance discounts, click this link.

Impacting insurance rates for an Acura 1.6EL

Consumers need to have an understanding of the rating factors that help determine your car insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in lower car insurance prices.

The following are some of the factors that factor into premiums.

• Special features that cut premiums – Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
• High deductibles save money – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Acura. Some examples of claims that would be covered could be running into the backend of another car, vandalism, and rolling your vehicle. The deductibles are how much you are required to spend in the event of a claim. The higher the amount the insured has to pay upfront, the lower your rates will be on 1.6EL insurance.
• Add-on coverages can add up – There are a lot of extra bells and whistles that you can get tricked into buying if you aren’t careful. Coverages like personal injury protection, accidental death and term life insurance are examples of these. They may seem like a good idea when talking to your agent, but if they’re wasting money get rid of them and save.
• Do men or women drive better? – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. They both have accidents in similar numbers, but the male of the species cause more damage. Men also tend to have more aggressive citations such as reckless driving. Youthful male drivers are most likely to cause an accident and are penalized with high car insurance rates.
• More miles equals more premium – Driving more miles in a year the higher your rate. Most companies rate vehicles based upon how you use the vehicle. Cars that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Verify your car insurance coverage is showing the proper vehicle usage, because it can save money. If your policy improperly rates your 1.6EL can cost quite a bit.
• Safe vehicles cost less to insure – Safer cars get lower rates. The safest vehicles have better occupant injury protection and fewer injuries means lower claim amounts and thus lower rates. If the Acura 1.6EL scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
• How many coverages with the same company – Some insurance companies provide better rates to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. Even though this discount sounds good, it’s in your best interest to compare other company rates to verify if the discount is saving money.
• Bad driving skills means higher rates – Your driving record impacts your car insurance rates tremendously. Even a single citation can bump up the cost twenty percent or more. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers who get flagrant violations like DUI or reckless driving may be required to submit a SR-22 form with their state DMV in order to keep their license.

Do I just need basic coverages?

When buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can help discover whether you will benefit from professional help.

• What are the financial responsibility laws in my state?
• Which companies will insure high-risk drivers?
• When does my teenage driver need to be added to my policy?
• Is business property covered if stolen from my car?
• Do I need motorclub coverage?
• Am I covered when delivering products for my home-based business?
• Do I qualify for additional discounts?
• What companies insure drivers after a DUI or DWI?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

And the best car insurance company is…

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

In this article, we presented quite a bit of information on how to reduce Acura 1.6EL insurance prices online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from a small local company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

Budget-conscious Acura 1.6EL insurance is attainable online and with local insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.