Compare Acura RL Insurance Rate Quotes in Lubbock

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Insurance rates Acura RL in LubbockIt's an obvious assumption that auto insurance companies don't want you to look for a cheaper policy. Insureds who shop around are highly likely to move their business because the odds are good of finding a lower rate. A recent survey found that people who regularly shopped around saved an average of $72 a month compared to those who didn't regularly shop around.

If finding the lowest rates on insurance in Lubbock is the reason for your visit, understanding the best way to compare car insurance can help you succeed in finding affordable rates.

Really, the only way to get affordable auto insurance rates is to do an annual price comparison from companies in Lubbock. You can shop around by completing these steps.

  1. Read and learn about how insurance companies determine prices and the things you can change to prevent high rates. Many rating factors that are responsible for high rates like at-fault accidents and your credit history can be controlled by making small lifestyle or driving habit changes. Continue reading for additional ideas to lower rates and earn larger discounts.
  2. Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can give you price quotes from multiple companies.
  3. Compare the new rates to your current policy to see if you can save by switching companies. If you find better rates and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide proper notification to your current company of your intent to cancel your current coverage. Submit a down payment along with a signed application to your new carrier. As soon as coverage is bound, put the new certificate verifying coverage with the vehicle registration.

A good tip to remember is that you'll want to compare the same amount of coverage on each price quote and and to look at as many different companies as possible. Doing this provides the most accurate price comparison and the best rate selection.

Finding affordable insurance coverage in Lubbock can be much easier if you know how to start. If you currently have insurance, you will be able to reduce premiums using these techniques. Although Texas consumers benefit from understanding how the larger insurance companies price insurance differently because rates are impacted by many factors.

How to get free Acura RL insurance quotes online

To get the cheapest Acura RL rate quotes, there a variety of ways to compare prices from auto insurance companies in your area. The best way to find the lowest Acura RL rates consists of shopping online.

When comparison shopping, comparing more prices will improve the odds of getting a lower rate.

The providers in the list below provide free rate quotes in Lubbock, TX. To locate cheap auto insurance in Texas, we recommend you visit as many as you can to get the most competitive price.

Acura RL insurance rate analysis

The premium table displayed below highlights a range of insurance rates for Acura RL models. Having a better idea how insurance policy premiums are calculated can help you make smart choices when comparing insurance quotes.

Acura RL Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $350 $754 $358 $22 $108 $1,592 $133
RL 3.7 with Tech Package $350 $754 $358 $22 $108 $1,592 $133
RL 3.7 with Tech/CMBS Package $350 $754 $358 $22 $108 $1,592 $133
Get Your Own Custom Quote Go

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Estimates do not factor in vehicle garaging location which can affect price quotes noticeably.

Auto insurance deductibles

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The premium rates below help summarize how much more you'll pay when you buy lower versus higher coverage deductibles. The first rate table uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.

Acura RL insurance policy 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
Get Your Own Custom Quote Go
Acura RL insurance policy 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

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

Based on these figures, using a $250 deductible costs an average of $39 more each month or $468 every year averaged for all RL models than choosing the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 19 months between claim filings, you would come out ahead by going with a higher deductible.

The illustration below illustrates how your choice of deductibles and can change Acura RL insurance rates for different ages of insureds. The price estimates are based on a married male driver, full coverage, and no other discounts are factored in.

Cost comparison with and without full coverage

The chart below illustrates the comparison of Acura RL auto insurance rates when comparing full coverage to liability only. The rates are based on a clean driving record, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.

When to drop full coverage

There is no definitive formula for excluding full coverage, but there is a general guideline. If the annual cost of having full coverage is more than 10% of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let's pretend your Acura RL book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $2,000 after the policy deductible has been paid. If premiums are more than $200 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not drop full coverage.

Choosing vehicle insurance is an important decision

Even though Lubbock RL insurance rates can get expensive, auto insurance is not optional due to several reasons.

First, the majority of states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability insurance coverage in order to drive the car. 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 have a lien on your RL, it's guaranteed your bank will make it mandatory that you have insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the lender will be forced to insure your Acura at an extremely high rate and force you to reimburse them for it.

Third, auto insurance protects both your assets and your car. It will also cover many types of medical costs for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if anyone sues you for causing an accident. If your Acura gets damaged, your policy will pay to restore your vehicle to like-new condition.

The benefits of insuring your RL are definitely more than the cost, especially when you need to use it. On average, a vehicle owner in Lubbock is overpaying more than $850 per year so we recommend shopping around every year to save money.

Insurance Cost Influencing Factors

Consumers need to have an understanding of a few of the rating criteria that help determine the price you pay for car insurance. When consumers understand what determines base rates, this helps enable you to make changes that could result in much lower annual insurance costs.

  • Liability insurance is cheap - Liability coverage provides coverage when a jury decides you are liable for damages from an accident. It provides legal defense coverage which can cost thousands of dollars. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Good credit means lower premiums - Having a bad credit rating will be a significant factor in calculating your premium rate. If your credit rating leaves room for improvement, you could potentially save money when insuring your Acura RL by taking the time to improve your credit score. Drivers with high credit scores tend to file fewer claims as compared to drivers with lower ratings.
  • More traffic equals higher costs - Choosing to live in small towns and rural areas has definite advantages when insuring your vehicles. Drivers in populated areas regularly have more traffic problems and longer commutes to work. Fewer people corresponds to lower accident rates and also fewer theft and vandalism claims.
  • Theft deterrents lowers car insurance rates - Driving a car that has an advanced theft prevention system can get you a discount on your car insurance. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft.
  • Rates impacted by vehicle usage - The more you drive your Acura annually the more you'll pay to insure it. Most insurance companies calculate prices based on how the vehicle is used. Cars that have low annual miles qualify for better rates than those that get driven frequently. Having an incorrect usage rating on your RL can result in significantly higher rates. It's always a good idea to double check that your vehicle rating shows the right rating data, because improper ratings can cost you money.
  • Better drivers pay less - Drivers who don't get tickets have lower premiums compared to bad drivers. Even one ticket could increase your next policy renewal twenty percent or more. Drivers who get flagrant tickets such as DUI or reckless driving may need to submit a SR-22 form with their state DMV in order to legally drive.

    The illustration below demonstrates how speeding tickets and at-fault collisions can affect Acura RL insurance rates for different insured age categories. The rate quotes are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

  • Your occupation and car insurance rates - Did you know that where you work can have an impact on rates? Jobs like fire fighters, air traffic controllers, and accountants are shown to have higher premium rates in part from job stress and lengthy work days. Other jobs like professors, engineers and the unemployed have lower than average premiums.
  • Teenage vs. mature drivers - Teen drivers in Texas are statistically proven to get distracted easily behind the wheel so they pay higher car insurance rates. Having to add a inexperienced driver to your policy can be very expensive. Older insureds have been proven to be more responsible, cause fewer claims and accidents, and receive fewer citations.

    The data below uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.

  • Insurance loss probability for an Acura RL - Insurers factor in historical loss data to determine a rate that will be profitable for them. Vehicles that statistically have higher claim frequency or loss amount will have higher rates for specific coverages.

    The information below illustrates the compiled insurance loss statistics for Acura RL vehicles. For each coverage type, the statistical loss for all vehicles compiled together equals 100. Values that are 100 or less indicate a favorable loss history, while percentage values above 100 point to more losses or an increased chance of larger losses than average.

    Insurance Loss Ratings for Acura RL Vehicles
    Vehicle 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: Insurance Institute for Highway Safety for 2013-2015 Model Years

Slash rates with these discounts on Acura RL insurance in Lubbock

Auto insurance is neither fun to buy or cheap, but there may be some discounts that can drop the cost substantially. Many discounts should be triggered when you purchase, but a few must be requested specifically prior to getting the savings.Save money with discounts

  • E-sign Discounts - Some of the larger companies will give you a small discount for buying your policy on their website.
  • Good Student - Getting good grades could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Student in College - College-age children who attend college more than 100 miles from Lubbock without a vehicle on campus could get you a discount.
  • Driver Safety - Completing a defensive driving class could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Use Seat Belts - Requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Low Mileage Discounts - Maintaining low annual mileage could earn lower rates due to less chance of an accident.
  • Air Bag Discount - Cars that have air bags or motorized seat belts could see savings of more than 20%.
  • Pay Upfront and Save - By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.
  • Responsible Driver Discounts - Accident-free drivers may receive a discount up to 45% than less cautious drivers.
  • Multi-policy Discount - If you insure your home and vehicles and place coverage with the same company you could get a discount of up to 20% off your total RL insurance premium.

A quick disclaimer, most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, that's just not realistic.

The chart below shows the comparison of Acura RL auto insurance costs with and without discounts applied to the policy rates. The prices are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, multi-car, marriage, and homeowner discounts applied.

For a list of insurers offering auto insurance discounts in Lubbock, click here to view.

Do I just need basic coverages?

When quoting and choosing insurance from an agent or online, there really isn't a one-size-fits-all type of policy. Your financial needs are unique.Drive safe and save

These are some specific questions can aid in determining if your situation will benefit from professional help.

  • I don't drive much so do I pay less?
  • Do I have coverage when using my vehicle for my home business?
  • Where can I get insurance after a DUI in Texas?
  • What is GAP insurance?
  • Is rental equipment covered for theft or damage?
  • Does coverage extend to Mexico or Canada?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you're not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don't have a local agent, simply complete this short form.

When to talk to a local insurance agent

Certain consumers still prefer to go talk to an agent and that is OK! The biggest benefit of comparing auto insurance online is the fact that you can find cheap auto insurance quotes and also buy local.

For easy comparison, once you complete this short form, the coverage information is instantly submitted to local insurance agents who will give you quotes for your insurance coverage. There is no reason to contact any agents since rate quotes are delivered to you directly. It's the lowest rates AND an agent nearby. If you want to compare rates from a specific company, just visit that company's website to submit a rate quote request.

Choosing an provider should depend on more than just the premium amount. Here are some questions you should ask.

  • What discounts might you be missing?
  • Can they provide you with a list of referrals?
  • Is there a 24/7 contact number?
  • Are aftermarket or OEM parts used to repair vehicles?
  • Are they actively involved in the community?

When searching for local Lubbock agents, there are two types of agencies and how they can quote your rates. Auto insurance agents in Lubbock may be either independent agents or exclusive agents.

Exclusive Insurance Agencies

Agents that elect to be exclusive are contracted to one company and examples are American Family, State Farm, and AAA. Exclusive agents cannot provide other company's prices so if the price isn't competitive there isn't much they can do. They receive extensive training on what they offer and that allows them to sell at a higher price point. Some consumers prefer to use the same agent mainly due to high brand loyalty rather than low rates.

The following is a list of exclusive agencies in Lubbock who may provide you with comparison quotes.

More Lubbock agents

Independent Insurance Agents

Agents that elect to be independent do not work for one specific company so they have the ability to put coverage with many different companies depending on which coverage is best. To transfer your coverage to a different company, they simply switch companies in-house which makes it simple for you. When comparing auto insurance prices, it's a good idea to include rate quotes from at a minimum one independent agency for maximum quote selection. Most also have access to additional companies that you may not be familiar with which can save you money.

Shown below is a short list of independent insurance agents in Lubbock who can help you get price quote information.

More Lubbock agents

What is the best car insurance company in Lubbock?

Finding a good quality car insurance company can be difficult considering how many choices you have in Texas. The ranking data in the lists below may help you choose which providers to look at shopping prices with.

Top 10 Lubbock Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Quote more to save more

When getting Lubbock car insurance quotes online, it's a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at the best price but still have enough coverage for asset protection.

We covered a lot of tips how to get a better price on Acura RL insurance in Lubbock. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the best rates are with some of the lesser-known companies.

Some car insurance companies do not provide rates over the internet and these smaller providers only sell coverage through local independent agents. The cheapest Acura RL insurance in Lubbock can be purchased on the web in addition to local insurance agencies, and you should compare rates from both to have the best chance of lowering rates.

Additional car insurance information can be found at these links: