Car Insurance Rate Quotes for an Acura RL in El Paso

If 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.

• Step 1: Try to learn about how companies set rates and the things you can control to prevent high rates. Many rating criteria that increase rates such as accidents, careless driving, and a less-than-favorable credit rating can be improved by being financially responsible and driving safely.
• Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like Progressive or State Farm, while independent agents can quote prices from many different companies.
• Step 3: Compare the new rates to the premium of your current policy to determine if you can save on RL insurance. If you find better rates, make sure there is no lapse in coverage.
• Step 4: Tell your current company of your intent to cancel your current coverage and submit the application along with any required down payment to your new carrier. As soon as you have the new policy, keep the new proof of insurance paperwork with your registration paperwork.

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.

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.

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.

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.

• Homeowners Savings – Simply owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents so you can save 10 percent or more.
• Low Mileage Discounts – Low annual miles can earn lower premium rates due to less chance of an accident.
• Memberships – Having an affiliation with a professional or civic organization can get you a small discount on your bill.
• Drive Safe and Save – Accident-free drivers can get discounts for up to 45% lower rates than less cautious drivers.
• Waiver for an Accident – This one isn’t a discount, but some insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to being involved in the accident.
• Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of more than 20%.
• Defensive Driving Course – Successfully completing a defensive driver class is a good idea and can lower rates and make you a better driver.

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.

• Farm Bureau discounts include 55 and retired, multi-vehicle, good student, multi-policy, and driver training.
• Liberty Mutual offers discounts for newly retired, new move discount, teen driver discount, good student, new graduate, safety features, and preferred payment discount.
• State Farm may offer discounts for driver’s education, passive restraint, safe vehicle, student away at school, Steer Clear safe driver discount, anti-theft, and Drive Safe & Save.
• Auto-Owners Insurance offers discounts including safe driver, company car, multi-policy, mature driver, paperless, safe vehicle, and paid in full.
• GEICO has discounts for defensive driver, military active duty, good student, anti-theft, seat belt use, federal employee, and multi-policy.
• SAFECO may include discounts for multi-car, teen safety rewards, drive less, anti-theft, and bundle discounts.

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.

• Do you need those extra policy coverages? – Insurance companies have many add-on coverages that may not really be needed but may not be useful. Coverage for things like rental car coverage, accident forgiveness, and Farm Bureau memberships may be wasting your money. These may sound like a good investment when talking to your agent, but now you might not need them so eliminate them to save money.
• Vehicle theft costs us all – Choosing a vehicle with anti-theft technology or alarm system can save you some money. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft.
• Credit score impacts rates – Having a bad credit history is likely to be a major factor in determining what you pay for car insurance. People with excellent credit tend to file fewer claims as compared to drivers with lower ratings. So if your credit score could use some work, you could pay less to insure your Acura RL by improving your credit score.
• Avoid coverage lapses – Not having insurance is a misdemeanor and you will pay a penalty because you let your insurance expire. And not only will your rates increase, not being able to provide proof of insurance may result in a license revocation or jail time.
• Does your occupation cost you more? – Careers such as fire fighters, social workers, and medical professionals usually pay higher rates than average attributed to high stress and long work days. Other professions such as actors, students and performers receive lower rates.

• Acura RL insurance claim data – Insurance companies factor in insurance loss information as a way to help calculate a profitable premium rate. Models that statistically have higher loss trends will cost more for specific coverages. The next table shows the collected loss data for Acura RL vehicles.

  For each coverage type, the loss probability for all vehicles, without regard to make or model, is considered to be 100. Values below 100 mean the vehicle has better than average losses, while percentages above 100 indicate higher probability of having a loss or statistically larger losses.

  
  

  Auto Insurance Loss Data for Acura RL Models

  Specific Acura Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Acura RLX 4dr	128	63	179	82

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

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.
Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.

• How many claims can I have before being canceled?
• Is pet coverage available?
• Does my policy cover me when driving someone else’s vehicle?
• Am I covered while delivering pizza?
• What is an adequate liability insurance limit?
• Is business equipment covered while in my vehicle?

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.

By 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.

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.

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.

• Is the coverage adequate for your vehicle?
• Do you qualify for any additional discounts?
• Where would your vehicle be repaired?
• Are they able to influence company decisions when a claim is filed?
• Will the quote change when the policy is issued?
• Can you get a list of referrals?
• Do clients work directly with the agent or are most inquiries handled by a CSR?

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.

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:

• Property Damage Coverage (Liberty Mutual)
• Auto Insurance for Teen Drivers (Insurance Information Institute)
• Your Car has been Stolen: Now What? (Allstate)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• Alcohol Impaired Driving FAQ (iihs.org)