Car Insurance Rate Quotes for an Acura RL in El Paso

Insurance rates Acura RL in El PasoIf saving the most money is your goal, then the best way to get the cheapest Acura RL insurance in El Paso is to start comparing rates regularly from different companies that insure vehicles in Texas. Prices can be compared by following these steps.

One tip to remember is to make sure you’re comparing the same deductibles and limits on each price quote and and to compare every company you can. Doing this guarantees an apples-to-apples comparison and and a good selection of different prices.

Unfortunately, a large majority of drivers have been with the same company for four years or more, and roughly 40% of drivers have never compared auto insurance rates at all. Texas insurance shoppers can save hundreds of dollars each year just by getting comparison quotes, but most undervalue the amount of savings they would get if they changed companies.

This article’s intent is to introduce you to the best ways to compare prices and some tricks to saving. If you already have coverage, you will most likely be able to reduce the price you pay using this information. Although Texas vehicle owners do need to know how the larger insurance companies sell insurance online because rates are impacted by many factors.

Best companies for affordable Acura RL insurance in Texas

The companies in the list below have been selected to offer price comparisons in Texas. If multiple providers are shown, we suggest you visit as many as you can to get the best price comparison.

Detailed insurance information

The premium table shown below outlines a range of rate quotes for Acura RL models. Having a good understanding how insurance quotes are figured is important for drivers to make informed purchases.

Acura RL Insurance Rates in El Paso, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $322 $602 $388 $24 $116 $1,452 $121
RL 3.7 with Tech Package $322 $602 $388 $24 $116 $1,452 $121
RL 3.7 with Tech/CMBS Package $322 $602 $388 $24 $116 $1,452 $121
Get Your Own Custom Quote Go

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rates do not factor in vehicle garaging location which can revise premiums noticeably.

Deductible analysis

One of the most common car insurance questions is which deductibles should you choose. The data tables below show the premium difference between high and low policy deductibles. The first set of prices uses a $100 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Acura RL insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $454 $908 $382 $22 $114 $1,905 $159
RL 3.7 with Tech Package $454 $908 $382 $22 $114 $1,905 $159
RL 3.7 with Tech/CMBS Package $454 $908 $382 $22 $114 $1,905 $159
Get Your Own Custom Quote Go

Acura RL insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $252 $478 $382 $22 $114 $1,248 $104
RL 3.7 with Tech Package $252 $478 $382 $22 $114 $1,248 $104
RL 3.7 with Tech/CMBS Package $252 $478 $382 $22 $114 $1,248 $104
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in garaging location in El Paso which can influence coverage prices significantly.

Using the premium rates above, we can conclude that using a $100 deductible costs about $55 more each month or $660 a year than buying the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 16 months between claims, you would come out ahead if you opt for a higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $100 deductibles: $159
Average monthly premium for $1,000 deductibles (subtract): – $104
Monthly savings from raising deductible: $55
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $55
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

Male drivers versus female drivers

The chart below shows the comparison of Acura RL car insurance costs for male and female drivers. The data is based on no violations or claims, full physical damage coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Should you buy full coverage?

The information below illustrates the difference between Acura RL premium costs with liability coverage only compared to full coverage. The premiums are based on no violations or claims, $1,000 deductibles, drivers are not married, and no discounts are applied.

Should you be buying full coverage?

There is no set guideline to stop buying physical damage insurance, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your Acura RL replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after paying your policy deductible. If you are paying over $800 a year to have full coverage, then it might be time to buy liability only.

There are some scenarios where dropping full coverage is not a good plan. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not buy liability only.

You may qualify for discounts for Acura RL insurance in El Paso

Some insurance providers don’t necessarily list all possible discounts very well, so the following is a list of a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.Cheaper auto insurance with discounts

A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts will definitely lower the premium cost.

The example below shows the comparison of Acura RL annual premium costs with and without discounts applied to the policy rates. The prices are based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, marriage, multi-car, and claim-free discounts applied.

The best auto insurance companies and some of the discounts can be found below.

Double check with every prospective company which credits you are entitled to. A few discounts might not be offered in your area. To view companies with significant discounts in El Paso, follow this link.

Five factors that determine insurance rates

One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that play a part in calculating your premiums. If you know what determines premiums, this empowers consumers to make smart changes that could result in lower rates. Many different elements are part of the equation when premium rates are determined. Some of the criteria are obvious such as your driving record, although others are more obscure such as whether you are married and annual miles driven.

Different people need different auto insurance coverages

Keep in mind that when it comes to choosing the right insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s and your auto insurance should be unique as well.Safe vehicles cost less to insure
Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Compare prices but work with a local El Paso insurance agent

Many people just want to buy from a licensed agent and that is a personal choice. One of the benefits of getting online price quotes is the fact that you can find cheap rate quotes but still work with a licensed agent. Buying insurance from local insurance agents is definitely important in El Paso.

Find insurance agent in El PasoBy using this quick form, your information is immediately sent to insurance agents in El Paso that can provide free El Paso auto insurance quotes for your coverage. You won’t need to search for an agent due to the fact that quote results will go instantly to you. It’s the lowest rates AND an agent nearby. If you want to get a price quote from a specific company, don’t hesitate to visit that company’s website and give them your coverage information.

Types of auto insurance agents

If you are wanting to find a reliable insurance agent, you should know the different agency structures and how they differ in how they can insure your vehicles. Car insurance agents are classified as either independent agents or exclusive agents depending on their employer.

Independent Car Insurance Agencies

These agents can sell policies from many different companies and that is an advantage because they can write policies through many different car insurance companies and find you the best rates. If your premiums go up, your policy is moved internally and you won’t have to switch agencies. When comparing car insurance rates, we highly recommend that you check rates from a couple of independent agencies so that you have a good selection of quotes to compare.

Listed below is a list of independent insurance agencies in El Paso that can possibly get you free price quotes.

1029 N Zaragoza Rd AEl Paso, TX 79907(915) 858-1400View Map

1155 N Zaragoza Rd #105El Paso, TX 79907(915) 613-4800View Map

1580 George Dieter Dr #303El Paso, TX 79936(915) 856-6700View Map

View more agents

Exclusive Insurance Agencies

Agents in the exclusive channel can only provide pricing for a single company like American Family, State Farm, and Allstate. Exclusive agents cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents are highly trained on their company’s products and that enables them to sell even at higher rates.

Listed below is a short list of exclusive insurance agents in El Paso that are able to give rate quotes.

11617 Pellicano DrEl Paso, TX 79936(915) 858-6262View Map

1568 Joe Battle Blvd #104El Paso, TX 79936(915) 857-4959View Map

9411 Alameda Ave oEl Paso, TX 79907(915) 860-7980View Map

View more agents

Picking an car insurance agent shouldn’t rely on just a low price. These are some questions you should get answers to.

After getting satisfactory answers to all your questions and an acceptable price quote, you may have just found an insurance agent that can be trusted to service your policy.

Ratings for El Paso car insurance companies

Choosing the top insurance provider can be rather challenging considering how many different insurance companies sell coverage in El Paso. The company information shown next can help you decide which auto insurers to look at comparing rate quotes with.

Best Car Insurance Companies in El Paso
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
Compare Rates Now Go

Data Source: Best Car Insurance Companies

Cover all your bases

We’ve covered some good ideas how you can shop for Acura RL insurance online. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding inexpensive El Paso auto insurance quotes. Drivers may even discover the best price on car insurance is with a small mutual company. They may have significantly lower auto insurance rates on certain market segments than their larger competitors like Progressive and GEICO.

Cheaper Acura RL insurance in El Paso can be purchased online as well as from independent agents in El Paso, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers do not offer the ability to get a quote online and usually these smaller companies prefer to sell through independent insurance agencies.

Additional detailed information is located by following these links: