How Much Does 1999 Acura SLX Car Insurance Cost?

Looking for the cheapest auto insurance rates for your Acura SLX? Are you sick and tired of trying to scrape together enough money to pay your car insurance bill each month? Your situation is no different than the majority of other car owners. Insurance companies such as Geico and Progressive continually bombard you with ads and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.

If you have a policy now or need new coverage, you can use these techniques to cut your premiums while maximizing coverage. Choosing the best insurance company for you is quite easy. Consumers just need to know the most effective way to compare rates online.

Don’t pay full price with these discounts

Car insurance is not cheap, buy you may qualify for discounts to help bring down the price. Some trigger automatically when you complete an application, but a few need to be specifically requested before you get the savings. If you don’t get every credit you deserve, you are throwing money away.

  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on SLX insurance than less cautious drivers.
  • Drivers Education – Have your child complete a driver education course if it’s offered in school.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. So when it seems like you could get a free insurance policy, companies don’t profit that way. Any amount of discount will bring down the amount you have to pay.

To see a list of providers who offer insurance discounts, click this link.

Insurance Prices Online

There are several ways to shop for Acura SLX insurance, but one way is less labor-intensive and much quicker. You can waste hours driving to insurance agencies in your area, or you could save time and use online quoting for quick rates.

Most major companies participate in an industry program that allows shoppers to only type in their quote data once, and every company can give them a price based on that data. This eliminates the need for quotation requests to every company.

To submit your quote information now, click to open in new window.

The single downside to using this type of form is you are unable to specify the companies you want pricing from. If you wish to select specific providers to compare, we have assembled a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, compare apples-to-apples quote information for every company. If you use different liability limits it will be impossible to find the best deal for your Acura SLX.

These factors can influence Acura SLX insurance rates

An important part of buying insurance is that you know the different types of things that help determine the price you pay for insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with big savings.

The following are some of the items companies use to determine rates.

  • Your occupation can affect rates – Occupations such as judges, architects and financial analysts have higher average rates attributed to stressful work requirements and lengthy work days. Conversely, occupations such as pilots, engineers and retirees get better rates on SLX insurance.
  • Liability coverage is cheap – Liability insurance provides coverage when you are found liable for personal injury or accident damage. Liability insurance provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
  • Pleasure use saves money – Driving more miles each year the more you will pay for insurance. Most companies apply a rate determined by how the vehicle is used. Cars left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated SLX can cost quite a bit. Make sure your insurance coverage properly reflects the proper vehicle usage.
  • Higher deductibles cost less – Your deductibles define the amount you are required to spend out-of-pocket before your insurance pays a claim. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims are running into the backend of another car, vandalism, and rolling your vehicle. The more money you have to pay, the lower your rates will be on SLX insurance.
  • Choose a safe vehicle and save – Cars with high safety ratings tend to have better insurance rates. These vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies and lower rates for you. If your Acura SLX has ratings of a minimum four stars on Safercar.gov it is probably cheaper to insure.
  • Your spouse saves you money – Having a wife or husband can actually save you money on insurance. It is viewed as being more mature and it’s proven that being married results in fewer claims.
  • Save money with special equipment – Driving a car with a theft deterrent system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.

Your personal situation dictates your coverage

When choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For example, these questions could help you determine whether you might need professional guidance.

  • Can I afford low physical damage deductibles?
  • Do I need replacement cost coverage on my 1999 Acura SLX?
  • Am I covered when pulling a rental trailer?
  • Am I covered if I crash into my own garage door?
  • Is my state a no-fault state?
  • Am I covered when delivering products for my home-based business?
  • Is upholstery damage covered by car insurance?
  • What happens if I owe more than my 1999 Acura SLX is worth?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverage details

Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverages found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 1999 Acura SLX.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Liability coverages

This coverage can cover damage or injury you incur to other’s property or people. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like funeral expenses, medical expenses and medical services. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Comprehensive auto insurance

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like theft, damage from a tornado or hurricane, rock chips in glass and hitting a bird. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like chiropractic care, surgery, hospital visits and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision insurance

This will pay to fix damage to your SLX caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as backing into a parked car, crashing into a building, rolling your car, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Don’t throw your cash in the trash

The cheapest 1999 Acura SLX insurance can be purchased online and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

When buying insurance coverage, do not reduce needed coverages to save money. There are a lot of situations where drivers have reduced physical damage coverage and learned later they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

We just presented a lot of tips how to lower your insurance rates. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. You may even find the lowest priced insurance comes from a smaller regional carrier. They can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

Much more information about insurance is available on the following sites: