Save Money on Acura RLX Insurance in El Paso

Insurance quote for Acura RLX in El PasoStatistics show that over 70% of drivers have stayed with the same insurance company for well over three years, and roughly 40% of drivers have never shopped around. Most drivers in El Paso can save up to 70% each year, but they just don’t understand the amount of money they would save if they switched.

It takes a few minutes, but the best way to find cheaper prices for car insurance rates is to do a yearly price comparison from insurance carriers in El Paso.

First, get an understanding of coverages and the things you can change to keep rates in check. Many risk factors that are responsible for high rates like high-risk driving behaviors and a not-so-good credit score can be eliminated by making small lifestyle or driving habit changes.

Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Allstate, while independent agencies can give you price quotes from multiple insurance companies.

Third, compare the new quotes to your existing rates to determine if switching companies saves money. If you find a lower rate and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, notify your agent or company of your intent to cancel your current coverage. Submit a signed application and payment to the new company. Make sure you keep the new proof of insurance certificate with the vehicle registration.

An important bit of advice to remember is that you’ll want to compare the same amount of coverage on each quote and and to get rates from every company you can. Doing this helps ensure an apples-to-apples comparison and the best price selection.

Buying the cheapest insurance in El Paso is really quite easy. If you are paying for car insurance now, you stand a good chance to be able to find the best rates using the techniques covered below. Smart buyers only need an understanding of the quickest way to shop their coverage around on the web.

Best auto insurance in Texas

Ending up with the highest-rated company is hard considering how many companies sell insurance in El Paso. The information shown below could help you pick which auto insurance companies to look at purchasing from.

Top 10 El Paso Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Car insurance 101

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types offered by car insurance companies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as doctor visits, prosthetic devices, funeral costs, rehabilitation expenses and surgery. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many Texas drivers only carry the minimum required liability limits (Texas limits are 30/60/25), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.


Liability coverage will cover injuries or damage you cause to a person or their property. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 30/60/25 that translate to a limit of $30,000 per injured person, a total of $60,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as repair costs for stationary objects, medical services, loss of income, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford. Texas requires drivers to carry at least 30/60/25 but it’s recommended drivers buy more coverage.

The illustration below shows why low liability limits may not provide adequate coverage.

Collision protection

Collision coverage will pay to fix damage to your RLX caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sideswiping another vehicle, hitting a parking meter and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible on your RLX to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, falling objects, theft, hail damage and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Quote. Compare. Save.

Some insurance companies do not provide online quoting and usually these small, regional companies sell through independent insurance agents. Discount Acura RLX insurance can be purchased from both online companies and also from your neighborhood El Paso agents, and you need to price shop both to have the best selection.

When searching for low cost El Paso car insurance quotes, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, an insured cut liability limits or collision coverage only to discover later that they should have had better coverage. The aim is to buy the best coverage you can find at a price you can afford, but do not skimp to save money.

You just read some good ideas how to save on Acura RLX insurance in El Paso. The key thing to remember is the more companies you get rates for, the higher your chance of finding inexpensive El Paso car insurance quotes. You may even be surprised to find that the lowest prices are with a small mutual company. They may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

Additional auto insurance information is available on the following sites: