It takes a few minutes, but the best way to get more affordable Acura RL insurance is to regularly compare prices from different companies in Corpus Christi.
- Gain an understanding of what coverages are included in your policy and the modifications you can make to prevent high rates. Many rating factors that increase rates such as accidents, traffic tickets, and a not-so-good credit score can be rectified by making small lifestyle or driving habit changes.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive or State Farm, while independent agencies can provide rate quotes for many different companies.
- Compare the new rate quotes to your current policy to see if a cheaper price is available. If you find a better price and change companies, ensure there is no coverage lapse between policies.
- Tell your current company of your intent to cancel your current policy. Submit a signed application and payment to your new company or agent. When you receive it, place your new proof of insurance certificate in your vehicle’s glove compartment or console.
One thing to remember is that you’ll want to compare identical deductibles and limits on each price quote and and to analyze as many companies as possible. Doing this ensures a fair rate comparison and a complete rate analysis.
Unfortunately, over 70% of drivers kept their policy with the same company for more than four years, and approximately 40% of consumers have never shopped around. Corpus Christi drivers could save roughly $1,770 each year, but most tend to underestimate the amount of money they would save if they switched.
Finding and comparing the cheapest coverage in Corpus Christi is not as difficult as people think. Basically, each driver who is looking for cheaper auto insurance will probably get better rates. But Texas vehicle owners do need to know how companies calculate their prices and take advantage of how the system works.
How do Insurance Companies Determine Acura RL Insurance Costs?
Lots of things are used in the calculation when premium rates are determined. Some factors are common sense like an MVR report, but other factors are not as apparent like your vehicle usage or how financially stable you are. A large part of saving on car insurance is knowing some of the factors that come into play when calculating your car insurance rates. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that can help you get big savings.
The items below are most of the major factors used by your company to calculate your premiums.
Your vocation and car insurance rates – Careers such as lawyers, airline pilots, and dentists tend to pay higher premiums than the average policyholder in part from job stress and lengthy work days. Other careers like scientists, athletes and retirees receive lower rates.
Getting married can lower premiums – Having a spouse helps lower the price when buying car insurance. It may mean you are more mature it has been statistically shown that married drivers get in fewer accidents.
The more you drive the more you pay – Driving more miles every year the higher your rate. A lot of companies apply a rate based upon how much you drive. Vehicles left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Incorrect rating for your RL can result in significantly higher rates. Ask your agent if your car insurance policy states annual mileage, because improper ratings can cost you money.
Driver age impacts prices – Older insureds tend to be more responsible, are lower risk to insure, and are safer drivers. Beginning drivers are proven to get distracted easily when behind the wheel so car insurance rates are higher.
The data below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Acura RL statistical loss data – Insurers use past loss statistics for each vehicle to calculate a rate that will offset any claims. Vehicles that statistically have high amounts or severity of claims will have increased rates. The table below demonstrates the compiled insurance loss statistics for Acura RL vehicles.
For each coverage category, the loss probability for all vehicles averaged together is considered to be 100. Values that are below 100 suggest a better than average loss history, while percentage numbers above 100 point to more claims or tendency to have larger claims.
|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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
When looking for cheaper Corpus Christi car insurance quotes, there are a couple ways to compare rate quotes from local Corpus Christi car insurance companies. The easiest way to do a complete rate comparison consists of shopping online.
It’s so fast and easy to compare quotes online that it replaces the need to actually drive to insurance agents’ offices. Comparing Acura RL insurance rate quotes online has made agencies unnecessary unless you prefer the trained advice that can only be provided by a licensed insurance agent. Some companies do allow you to comparison shop online and still use a local agent.
Just remember that getting more free quotes increases your odds of finding a lower rate than you’re paying now.
The providers in the list below can provide quotes in Texas. To buy the cheapest car insurance in Texas, we suggest you visit as many as you can to get the most competitive price.
Data for Acura RL insurance
The coverage table displayed below highlights estimates of insurance rates for Acura RL models. Understanding how policy premiums are determined can be of help when making smart choices when buying a car insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|RL 3.7 with Tech Package||$454||$908||$382||$22||$114||$1,880||$157|
|RL 3.7 with Tech/CMBS Package||$454||$908||$382||$22||$114||$1,880||$157|
|Get Your Own Custom Quote Go|
Data rating is based on married 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. Rate quotes do not factor in Corpus Christi location which can modify premium rates substantially.
Impact of careless driving on insurance rates
The chart below shows how traffic citations and at-fault collisions can affect Acura RL auto insurance costs for different insured age categories. The premium estimates are based on a single female driver, full coverage, $100 deductibles, and no discounts are factored in.
Yearly insurance costs for men versus women
The diagram below illustrates the comparison of Acura RL insurance costs for male and female drivers. The premiums assume no claims or violations, full physical damage coverage, $100 deductibles, single status, and no additional discounts are factored in.
Should you buy full coverage?
The chart below illustrates the comparison of Acura RL insurance costs with full coverage and liability only. The data is based on no violations or accidents, $500 deductibles, drivers are not married, and no discounts are factored in.
When to stop buying full coverage
There is no clear-cut formula of when to phase out full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s pretend your Acura RL replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after the deductible is paid. If you are paying in excess of $700 a year for full coverage, then you may want to consider only buying liability coverage.
There are some scenarios where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.
It may be expensive, but it’s not optional
Despite the potentially high cost of Acura RL insurance, insuring your vehicle may be required for several reasons.
First, most states have mandatory insurance requirements which means you are required to buy specific limits of liability protection in order to get the vehicle licensed. 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 bought your RL with a loan, most lenders will require that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank may buy a policy for your Acura for a lot more money and force you to reimburse them for it.
Third, insurance safeguards your Acura RL and your assets. It will also pay for medical bills that are the result of an accident. Liability coverage also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance definitely exceed the cost, particularly when you have a large claim. Today the average American driver overpays more than $865 each year so we recommend shopping around at every renewal to ensure rates are competitive.
Get cheaper Acura RL insurance rates in Corpus Christi
Some insurers don’t list every discount they offer very clearly, so we took the time to find a few of the more common and also the more inconspicuous discounts that you can inquire about if you buy Corpus Christi car insurance online. If you’re not getting every credit possible, it’s possible you qualify for a lower rate.
- Auto/Home Discount – If you combine your homeowners and auto policies with the same insurance company you could get a discount of approximately 10% to 15%.
- Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and that can save you a little bit as well.
- E-sign Discounts – Many larger companies give back up to $50 for signing up on the web.
- Telematics Data Discounts – Insureds that choose to allow their insurance company to study where and when they drive by using a small device installed in their vehicle like Allstate’s Drivewise might see lower rates as long as the data is positive.
- Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Defensive Driver Discount – Participating in a course teaching driver safety skills could possibly earn you a 5% discount and easily recoup the cost of the course.
- Driver’s Education for Students – Require your teen driver to successfully complete driver’s ed class in school or through a local driver safety program.
As is typical with insurance, most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it appears adding up those discounts means a free policy, you’re out of luck.
The diagram below illustrates the comparison of Acura RL car insurance costs with and without discounts applied to the premium. The premiums assume a male driver, no claims or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, marriage, multi-policy, and claim-free discounts applied.
To locate companies who offer online Acura RL insurance quotes in Corpus Christi, click here.
Don’t I need to get advice from a local insurance agent?
Certain consumers would rather talk to an insurance agent and that is a smart decision An additional benefit of price shopping on the web is that drivers can save money and get lower rates and also buy local. Buying from and supporting small agencies is important especially in Corpus Christi.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is submitted to insurance agents in Corpus Christi that provide free Corpus Christi car insurance quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to even leave your home since rate quotes are delivered immediately to your email address. You can find lower rates and an insurance agent to talk to. In the event you want to get a rate quote from one company in particular, don’t hesitate to go to their quote page and fill out their quote form.
When searching for an insurance agent, it’s helpful to know the different types of agents and how they operate. Auto insurance agencies can be classified as either exclusive or independent agents depending on their company appointments.
Independent Auto Insurance Agents (or Brokers)
Independent agencies do not work for one specific company so they have the ability to put coverage through many different auto insurance companies and find you the best rates. If they find a cheaper price, your agent can just switch to a different company and you can keep the same agent.
When searching for an agent, you absolutely need to include price quotes from a couple of independent agencies in order to compare the most rates.
Shown below is a list of independent agents in Corpus Christi that can possibly get you cheap rate quotes.
Exclusive Auto Insurance Agencies
These agents normally can only provide a single company’s rates like American Family, State Farm, and AAA. They generally cannot provide other company’s prices so you need to shop around if the rates are high. Exclusive agents are very knowledgeable on their company’s products which helps them sell on service rather than price.
Listed below is a list of exclusive agents in Corpus Christi that can give you price quotes.
Finding the right car insurance agent shouldn’t rely on just a cheap price. Here are some questions you should ask.
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Does the agency have a positive business rating?
- Are there any extra charges for paying monthly?
- Will a damage claim use OEM or aftermarket replacement parts?
- Is the agent properly licensed in Texas?
- Where would glass claims be handled in Corpus Christi?
- Can they provide you with a list of referrals?
- Is the coverage adequate for your vehicle?
After getting reasonable responses to all your questions as well as a price you’re happy with, you may have found a car insurance agent that can insure your vehicles. But keep in mind it’s your policy and you can cancel coverage whenever you choose to so don’t think you are locked into any specific company for the full policy term.
How much car insurance do I need?
When selecting your policy, there really is no one-size-fits-all type of policy. Every insured’s situation is different so your insurance needs to address that.
Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.
- Does car insurance cover theft of personal property?
- How do I insure my teen driver?
- Do I need replacement cost coverage on my Acura RL?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Can I get by with minimal medical coverage if I have good health insurance?
- Is my Acura RL covered for smoke damage?
- Who is covered by my policy?
- Am I covered when using my vehicle for business?
If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.
One last thing about your coverage
Cheap Acura RL insurance in Corpus Christi can be purchased both online and from local insurance agents, and you should be comparing both to have the best selection. Some insurance providers may not have price quotes online and these small, regional companies only sell coverage through independent agents.
As you restructure your insurance plan, do not reduce needed coverages to save money. There are too many instances where someone sacrificed uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at the best possible price while still protecting your assets.
Even more information is located by following these links:
- Shopping for a Safe Car (Insurance Information Institute)
- Who Has Cheap Corpus Christi Auto Insurance Rates for Drivers with Good Credit? (FAQ)
- Who Has Cheap Car Insurance for a Honda Accord in Corpus Christi? (FAQ)
- What Auto Insurance is Cheapest for a Toyota Highlander in Corpus Christi? (FAQ)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)