1997 Acura SLX Insurance Quotes – 6 Tips for Cheaper Rates

Have you fallen victim to an underperforming, overpriced insurance coverage policy? Trust us, there are many consumers feeling the pinch from expensive insurance coverage. Consumers have many auto insurance companies to pick from, and even though it’s nice to have a choice, lots of choices makes it harder to adequately compare rates.

You should take the time to do rate comparisons quite often since rates fluctuate regularly. Despite the fact that you may have had the lowest price for SLX insurance two years ago you may be paying too much now. So forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in the proper way to find better rates and still maintain coverage.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you should be able to reduce your rates substantially using these tips. Drivers just need to learn the most effective way to compare prices online.

Which Insurance Coverage is Cheapest?

There are several ways to shop for Acura SLX insurance coverage, but some are less labor-intensive and much quicker. You can spend countless hours talking to local insurance agents in your area, or you can stay home and use the internet to get prices fast.

Many companies belong to a marketplace where prospective buyers complete one form, and each participating company can provide price quotes based on that data. This system prevents you from having to do repetitive form submissions for each company you want a rate for. To find out how much you can save on insurance coverage click here (opens in new window).

One minor caviat to comparing rates this way is you don’t know exactly the insurers to get pricing from. So if you want to select specific providers to receive pricing from, we have a page of companies who write insurance coverage in your area. Click here to view list.

Which method you use is up to you, but make darn sure you compare identical coverage limits and deductibles on every quote you get. If you compare different deductibles it will be impossible to determine the best price for your Acura SLX.

Discounts to lower 1997 Acura SLX insurance rates

Auto insurance companies don’t always advertise all their discounts in an easy-to-find place, so we took the time to find both well-publicized and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Accident Forgiveness – Some insurance companies permit an accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Life Insurance – Larger companies have a discount if you purchase a life insurance policy as well.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for a substantially lower rate.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Club Memberships – Being a member of certain professional organizations could trigger savings on your policy for SLX insurance.

Drivers should understand that most credits do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. So when it seems like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

To see a list of insurers with discount insurance coverage rates, click here to view.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions can aid in determining if you would benefit from an agent’s advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I bundle my homeowners policy with my auto?
  • Is rental equipment covered for theft or damage?
  • Does car insurance cover theft of personal property?
  • Will my rates increase for filing one claim?
  • Is a blown tire covered by insurance?
  • What is the rate difference between pleasure use and commuting?
  • Does coverage extend to Mexico or Canada?
  • What if I owe more than I can insure my car for?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Car insurance coverages for an Acura SLX

Having a good grasp of car insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverage types found on the average car insurance policy.

Collision coverage protection

This coverage pays for damage to your SLX caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like scraping a guard rail, rolling your car, colliding with another moving vehicle, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, damage from a tornado or hurricane and damage from flooding. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses such as hospital visits, surgery and rehabilitation expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. 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. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 1997 Acura SLX.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability auto insurance

This will cover damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as pain and suffering, emergency aid and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

One last thing about your coverage

You just read a lot of techniques to save on 1997 Acura SLX insurance. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best price on insurance coverage is with some of the lesser-known companies. Some small companies may have significantly lower rates on certain market segments than their larger competitors like Progressive and GEICO.

As you shop your coverage around, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced full coverage only to regret that it was a big error on their part. Your aim should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

For more information, take a look at the articles below: