Save Money on Acura RL Insurance in Dallas

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Sick and tired of sacrificing to buy auto insurance? You have the same problem as many other Texas consumers.

Discount Acura RL insuranceIt's well known that car insurance companies don't want you to look for cheaper rates. Drivers who shop around are inclined to switch companies because they stand a good chance of finding coverage at a cheaper rate. A study showed that people who made a habit of comparing rates saved an average of $70 a month compared to other drivers who never shopped around for lower prices.

If finding the lowest rates on insurance is the reason you're reading this, then having an understanding of the best way to quote and compare cheaper coverage can help you succeed in saving money.

How to buy low-cost Acura RL insurance in Dallas

If saving the most money is your goal, then the best way to get cheaper auto insurance rates is to do an annual price comparison from companies who sell insurance in Dallas. Rates can be compared by following these steps.

First, get an understanding of how car insurance works and the things you can control to keep rates low. Many rating criteria that result in higher prices like traffic citations, accidents, and a negative credit history can be amended by making minor changes in your lifestyle.

Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like Progressive or Allstate, while independent agents can give you price quotes for a wide range of insurance providers. View a list of agents

Third, compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you can save money and switch companies, make sure there is no lapse in coverage.

Fourth, notify your agent or company of your intention to cancel your existing policy. Submit the required down payment along with the signed application to the newly selected company. Don't forget to store the proof of insurance paperwork along with your vehicle registration.

The critical component of shopping around is to try to compare the same physical damage deductibles and liability limits on each quote and and to look at as many carriers as you can. This guarantees an accurate price comparison and a complete selection of prices.

Online insurance companies like State Farm, GEICO and Farmers Insurance all claim big savings, bombarding you with fancy advertisements and it can be hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

There are several ways of comparing price quotes from many different Texas insurance companies. The quickest method to lower the rate you pay for Acura RL insurance is to perform an online rate comparison.

It's so simple to compare car insurance rates online makes it obsolete to call or drive to local insurance agencies. Shopping for car insurance online eliminates the middleman unless you prefer the extra assistance of a local agent. If you prefer, some companies allow you to get the lowest quotes online but have your policy serviced through an agent. Just keep in mind that comparing a wide range of rates will improve the odds of getting lower pricing. Not every company provides Dallas RL insurance quotes over the internet, so it's important to also get prices on coverage from those companies, too.

The providers in the list below have been selected to offer price quotes in Dallas, TX. If multiple companies are shown, we recommend you visit two to three different companies to get a more complete price comparison.

Auto insurance analysis for an Acura RL

The data table displayed below highlights detailed analysis of insurance costs for Acura RL models. Being able to understand how insurance policy premiums are figured can be valuable when making decisions on which insurance to purchase.

Acura RL Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $518 $908 $500 $30 $150 $2,106 $176
RL 3.7 with Tech Package $518 $908 $500 $30 $150 $2,106 $176
RL 3.7 with Tech/CMBS Package $518 $908 $500 $30 $150 $2,106 $176
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can affect premium rates greatly.

Physical damage deductibles: Should you raise them?

When comparing auto insurance rates, the most common question is where to set your physical damage deductibles. The following insurance rates can help you visualize the rate differences of buying low and high policy deductibles. The first table uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Acura RL insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $408 $762 $382 $22 $114 $1,713 $143
RL 3.7 with Tech Package $408 $762 $382 $22 $114 $1,713 $143
RL 3.7 with Tech/CMBS Package $408 $762 $382 $22 $114 $1,713 $143
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Acura RL insurance premium rates 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

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in specific location information which can impact coverage rates greatly.

Based on the figures above, using a $250 deductible costs about $39 more each month or $468 annually than selecting the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 19 months between claims, you would come out ahead by selecting a higher deductible.

The illustration below demonstrates how deductible levels and can increase or decrease Acura RL yearly insurance costs for different age groups of insureds. The data is based on a single male driver, full physical damage coverage, and no other discounts are factored in.

Rate comparison of males versus females in Dallas

The chart below visualizes the comparison of Acura RL annual premium costs for male and female drivers. The premiums are based on no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

Full coverage versus liability-only in Dallas

The example below illustrates the comparison of Acura RL insurance prices with and without full coverage. The data is based on a clean driving record, no claims, $250 deductibles, drivers are not married, and no policy discounts are applied.

When to eliminate full coverage

There is no exact rule for dropping full coverage, but there is a general guideline. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let's assume your Acura RL settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after paying your deductible. If premium cost is more than $700 a year for your policy with full coverage, then it might be time to buy liability only.

There are some conditions where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder's interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Best reasons to buy auto insurance in Texas

Even though it's not necessarily cheap to insure an Acura in Dallas, auto insurance is not optional due to several reasons.

First, most states have mandatory liability insurance requirements which means the state requires a specific minimum amount of liability coverage in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you took out a loan on your Acura RL, almost all lenders will make it a condition of the loan that you buy full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank will be required to insure your Acura at an extremely high rate and force you to reimburse them a much higher amount than you were paying before.

Third, insurance safeguards both your car and your personal assets. It will also pay for medical bills for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of insuring your RL more than cancel out the cost, especially with large liability claims. But the average American driver overpays as much as $750 every year so smart consumers compare quotes once a year at a minimum to ensure rates are competitive.

Informed Drivers Save Every Year

Consumers need to have an understanding of some of the factors that play a part in calculating car insurance rates. If you know what determines base rates, this helps enable you to make changes that will entitle you to cheaper rates.

Shown below are some of the items used by companies to determine your prices.

  • Buy a safe car and pay less - Vehicles with high crash test scores get lower rates. These vehicles result in less severe injuries and lower injury rates translates directly to fewer claims and cheaper rates on your policy. If the Acura RL is rated at a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Rural areas have lower rates - Residing in a small town has it's advantages when insuring your vehicles. Less people living in that area means a lower chance of having an accident in addition to fewer liability claims. Urban drivers regularly have more traffic problems and longer commute times. Spending more time driving can result in more accidents.
  • How much liability insurance - The liability section of your policy is the coverage that protects you if you are found liable for causing damage or personal injury in an accident. It provides you with a defense in court which can cost a lot. It is affordable coverage when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • What type of car do you drive? - The performance level of the car you need insurance for makes a big difference in your auto insurance rates. The lowest rates will generally be found on small economy passenger models, but that's not the only thing that factors into the final price.

    The next chart uses these assumptions: single male driver age 50, full coverage with $100 deductibles, and no discounts or violations. The chart compares Acura RL rates compared to other makes and models that have a range of performance risks.

  • Lower rates come with age - Older people are viewed as being more responsible, tend to cause fewer accidents, and receive fewer citations. Drivers with little experience tend to be easily distracted when driving therefore car insurance rates are much higher.

    The following chart uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

  • Insurance losses for an Acura RL - Auto insurance companies factor in insurance loss information in order to profitably underwrite each model. Models that tend to have a higher amount or frequency of claims will have increased rates. The next table shows the historical insurance loss data for Acura RL vehicles.

    For each type of coverage, the claim amount for all vehicles averaged together is a value of 100. Percentages below 100 indicate better than average losses, while percentage values above 100 show a trend for more claims or tendency to have larger claims.

    Insurance Loss Ratings for Acura RL Vehicles
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Acura RLX 4dr 128 63 179 82

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

Be persistent and save

When shopping online for insurance, you should never buy poor coverage just to save money. There are many occasions where drivers have reduced full coverage only to regret at claim time that they should have had better coverage. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.

We just showed you many ideas to reduce Acura RL insurance premium rates online in Dallas. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding cheaper Dallas car insurance quotes. You may even be surprised to find that the lowest premium rates are with the least-expected company. Regional companies may have significantly lower prices on certain market segments than their larger competitors like Progressive and GEICO.

Steps to finding low-cost rates for Acura RL insurance in Dallas

It takes a little time, but the best way to get budget car insurance rates in Dallas is to regularly compare quotes from providers who sell auto insurance in Texas.

Step 1: Get an understanding of how insurance companies determine prices and the measures you can control to prevent rate increases. Many factors that result in higher prices such as at-fault accidents, speeding tickets, and a poor credit score can be remedied by making minor changes in your lifestyle.

Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agencies can quote prices for a wide range of companies.

Step 3: Compare the new rate quotes to the price on your current policy and determine if cheaper RL coverage is available in Dallas. If you can save money and change companies, make sure coverage is continuous and does not lapse.

Step 4: Notify your company or agent to cancel your current policy and submit any necessary down payment along with the completed application to the newly selected company. Make sure you store the certificate verifying proof of insurance in your vehicle's glove compartment or console.

The key aspect of shopping around is to try to compare the same coverage limits and deductibles on each quote request and and to analyze as many different insurance providers as possible. This provides an apples-to-apples comparison and the best price selection.

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