Nobody rejoices having to buy auto insurance, in particular when they could find better prices if they shop around.
A recent NerdWallet.com study revealed that nearly 70% of customers kept their policy with the same company for four years or more, and nearly the majority have never even compared rates from other companies. With the average auto insurance premium being $1,847, American drivers could cut their rates by as much as 46.5% a year, but most just don’t grasp the benefits if they switch to a new company.
Because you have many choices for buying cheap insurance for an Acura RL in Houston, it’s difficult to find the right insurance company.
Pricing the lowest cost coverage in Houston is actually quite simple. In essence, every driver who compares rates for auto insurance stands a good chance to find better rates. Nevertheless, Texas drivers must understand how the larger insurance companies charge you for coverage and apply this information to your search.
The most recommended method to compare rate quotes for Acura RL insurance in Houston is to understand most larger insurance companies pay for the opportunity to give you rate quotes. To get started, all you need to do is take a few minutes to give details including if you are currently licensed, if you lease or own, deductibles desired, and the make and model of your vehicles. The rating information is instantly sent to many highly-rated insurers and you will get price comparisons within a short period of time.
To compare rates for your Acura RL now, click here and enter the information requested.
The companies shown below are our best choices to provide price comparisons in Houston, TX. If multiple companies are listed, we suggest you visit as many as you can in order to find the most affordable rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|RL 3.7 with Tech Package||$390||$936||$430||$26||$128||$1,910||$159|
|RL 3.7 with Tech/CMBS Package||$196||$408||$366||$22||$110||$1,102||$92|
|Get Your Own Custom Quote Go|
Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Table data does not factor in specific Houston garaging location which can raise or lower premium rates noticeably.
Comparison of policy deductibles
The example below illustrates how choosing a deductible and can impact Acura RL insurance costs for different age groups. The premiums are based on a married female driver, full coverage, and no additional discounts are factored in.
How much more does full coverage cost?
The diagram below illustrates the comparison of Acura RL insurance costs with full coverage compared to only the Texas minimum liability coverage. Data assumes no driving violations, no at-fault accidents, $1,000 deductibles, single female driver, and no discounts are applied.
Are you wasting money on full coverage?
There isn’t a written rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s pretend your Acura RL claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after you pay the deductible. If premiums are more than $700 annually for physical damage coverage, then you may want to consider only buying liability coverage.
There are some situations where only buying liability is not a good idea. If you haven’t paid off your loan, you have to keep full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Careless driving habits raise Houston auto insurance rates
The example below illustrates how violations and accident claims can affect Acura RL auto insurance rates for each different age group. The premium estimates are based on a single female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
Three good reasons to insure your RL
Despite the high insurance cost for a Acura RL in Houston, paying for auto insurance serves several important purposes.
- Just about all states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability in order to be legal. 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.
- If you took out a loan on your Acura, more than likely the lender will stipulate that you have full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Acura at a much higher rate and force you to pay for it.
- Auto insurance preserves your vehicle and your assets. It will also reimburse you for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay for a defense attorney if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of having insurance definitely exceed the price paid, particularly if you ever have a claim. As of last year, the average driver in Texas overpays as much as $825 a year so compare quotes from several companies at every renewal to ensure rates are competitive.
Smart Consumers Can Slash Their Insurance Premiums
Many factors are used in the calculation when you quote your car insurance policy. Some are pretty understandable such as traffic violations, but some are less obvious like where you live or your financial responsibility. The best way to find cheaper auto insurance is to take a look at the factors that are used to determine your policy premiums. When you know what positively or negatively influences your rates, this enables you to make decisions that could help you find big savings.
Your liability protection limits – Your auto insurance policy’s liability coverage will afford coverage if ever you are found liable for damages caused by your negligence. This coverage provides legal defense starting from day one. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so do not skimp.
Bump up coverage deductibles to lower rates – Physical damage insurance, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some coverage claims are a broken windshield, damage from fire, and rolling your vehicle. Deductibles for physical damage tell how much the insured will be required to pay if the claim is covered. The more expense you pay before a claim is paid (deductible), the less money you will pay for auto insurance.
Rates for men may be higher – Over time, data shows women are more cautious behind the wheel. However, this does not mean women are better drivers. Both sexes cause at-fault accidents in similar percentages, but the males get into accidents with more damage. Not only that, but men also get more serious tickets such as DWI and reckless driving.
Driving citations increase rates – Even a single chargeable violation may increase your cost forty percent or more. Attentive drivers have lower premiums than people who have multiple driving citations. Drivers who have received serious violations such as DUI or willful reckless driving might be required by their state to file a SR-22 with their state in order to prevent their license from being revoked.
High performance equals high prices – The make and model of the vehicle you are buying insurance for makes a significant difference in your premium level. The lowest base rates will normally be found when insuring low performance passenger models, but the final cost of insurance is determined by many other factors. Since the Acura RL falls in the luxury sports car class, insuring your vehicle will cost up to twice as much than the average rate where you live in Houston.
Never allow your auto insurance to lapse – Allowing your auto insurance policy to lapse is a sure-fire way to increase your auto insurance rates. And not only will insurance be more expensive, failure to provide proof of insurance can result in fines and jail time.
Certain jobs raise premiums – Do you have a high-stress occupation? Occupations such as fire fighters, business owners and financial analysts generally have the highest average rates due to intense work requirements and lengthy work days. On the flip side, occupations like farmers, athletes and performers have lower than average premiums.
How old are your drivers? – Older insureds tend to be more responsible, cause fewer claims and accidents, and usually have better credit.Teen drivers have a tendency to be inattentive and easily distracted with other occupants in the car therefore auto insurance rates are much higher.
Insurance loss statistics an Acura RL – Companies take into consideration insurance loss statistics for every vehicle in order to profitably underwrite each model. Vehicles that have higher losses will cost more to insure.
The table below outlines the compiled insurance loss statistics for Acura RL vehicles. For each insurance policy coverage type, the claim amount for all vehicles combined as an average is a value of 100. Percentage numbers below 100 indicate a favorable loss history, while percentage values above 100 point to more claims or a tendency for claims to be larger.
Acura RL Insurance Claim Statistics
|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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Companies offer lots of discounts on Acura RL insurance in Houston
Companies that sell car insurance don’t list every policy discount very clearly, so the following is a list of a few of the more well known and the more hidden discounts you could be receiving when you buy Houston car insurance online. If you are not receiving all the discounts available, you’re just leaving money on the table.
- Discounts for Government Workers – Simply working for the federal government could cut as much as 10% off depending on your company.
- No Claims – Drivers who don’t have accidents can earn big discounts in comparison to bad drivers.
- Mature Driver Discount – If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
- Telematics Devices – Policyholders that allow driving data collection to analyze where and when they drive remotely such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as the data is positive.
- Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars on one policy could earn a price break for each car.
- Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you may have a lower total premium amount.
Policy discounts save money, but most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. So when the math indicates you could get a free auto insurance policy, you won’t be that lucky.
To locate insurers that offer many of these discounts in Houston, follow this link.
Local Houston car insurance agents
Many people just prefer to buy from a licensed agent and that is recommended in a lot of cases The biggest benefit of getting free rate quotes online is you can get cheap car insurance quotes but still work with a licensed agent. And supporting small agencies is important especially in Houston.
By using this form (opens in new window), your information is emailed to agents in your area that can give you free Houston car insurance quotes for your insurance coverage. There is no need to even leave your home since price quotes are sent directly to your email. You can find lower rates without a big time investment. If you wish to get a rate quote from a specific insurance company, feel free to search and find their rate quote page to submit a rate quote request.
Choosing an provider is decision based upon more than just a cheap quote. Agents should be asked these questions:
- What will you get paid if your car is a total loss? How is that amount determined?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Are claim adjusters local or do you have to take your car somewhere else?
- What is their Better Business Bureau rating?
- Is there a Errors and Omissions policy in force?
- How long have they been in business?
- Will their companies depreciate repairs to your car based on the mileage?
If you get acceptable answers to any questions you may have and locked in a price quote, you have narrowed it down to an provider that is professional and can service your policy. But keep in mind you can cancel coverage at any time so don’t think you are locked into a policy with no way to switch.
Persistence is the key to affordable rates
You just learned a lot of tips how to shop for Acura RL insurance online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting the cheapest Acura RL rate quotes. Drivers may even discover the best price on insurance is with a small local company. Some small companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.
Affordable Acura RL insurance in Houston can be found on the web as well as from insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers do not provide price quotes online and most of the time these regional insurance providers provide coverage only through independent agents.
More detailed insurance information can be found by following these links:
- Neck Injury FAQ (iihs.org)
- How Much are Houston Car Insurance Rates for Lyft Drivers? (FAQ)
- Who Has Affordable Houston Auto Insurance for a Subaru Outback? (FAQ)
- What Insurance is Cheapest with Multiple Speeding Tickets in Houston? (FAQ)
- Information for Teen Drivers (GEICO)
- Distracted Driving Statistics (Insurance Information Institute)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- How to Avoid Staged Accidents (State Farm)