Cheap Acura RL Insurance in Austin

Do you get overwhelmed by the crazy number of car insurance providers that you can choose from? Many other drivers are too. People have so many providers to choose from that it can easily turn into a difficult situation to compare rates on Acura RL insurance. Lots of people think Austin is a great place to live, but expensive car insurance rates can make it very difficult to affordably insure vehicles.

Amazlingly, a recent NerdWallet.com study showed that most car insurance buyers in Texas renewed their policy with the same company for a minimum of four years, and approximately 38% of consumers have never quoted rates to find cheap coverage. Consumers in America could save approximately $859 a year by just shopping around, but they mistakenly think it’s difficult to compare rates online.

If you have a policy now, you will definitely be able to save money using this information. Our goal is to familiarize you with the best way to buy inexpensive auto insurance and how you can save the most money. Although Texas car owners benefit from understanding the methods companies use to charge you for coverage and apply this information to your search.

Low-cost Acura insurance prices in Austin

The auto insurance companies shown below offer comparison quotes in Austin, TX. If more than one company is shown, we recommend you click on several of them to get a more complete price comparison.

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Information does not factor in vehicle location which can change rates substantially.

Physical damage deductible comparison

A question often asked by Austin drivers is where to set your physical damage deductibles. The comparisons below approximate the cost difference when you buy lower versus higher insurance deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.

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

Based on the above data, using a $250 deductible costs roughly $21 more each month or $252 a year than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 12 months between claims, you would probably save some money if you opt for a higher deductible. The numbers below show how you can decide this on your own policy.

One important issue to know is that higher deductibles results in having to pay to pay more out-of-pocket when you do file a claim. That will necessitate enough extra savings in the event you have to pay the deductible for vehicle repair.

Auto insurance policy discounts for Acura RL insurance in Austin

Some insurers don’t always list all discounts very clearly, so the next list breaks down both the well known and also the more inconspicuous credits available to lower your premiums when you buy Austin car insurance online.

• Club Memberships – Having an affiliation with a professional or civic organization may earn a discount when getting a Austin car insurance quote.
• Defensive Driver – Taking part in a course that instructs on driving safety could cut 5% off your bill and also improve your driving technique.
• Distant College Student Discount – Any of your kids living away from Austin attending college and leave their car at home may be insured at a cheaper rate.
• Passive Restraint Discount – Cars that have air bags may get savings of up to 25% or more.
• Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive and will save you 10% or more on RL insurance in Austin.
• Good Student – Maintaining excellent grades may save you up to 25%. This discount can apply well after school through age 25.
• Fewer Miles Equal More Savings – Low mileage vehicles can earn discounted premium rates on garaged vehicles.
• Bundled Policy Discount – When you combine your auto and home insurance with the same insurance company they may give you a discount of at least 10% off all policies.
• Discount for Swiching Early – A few companies give discounts for switching companies before your current expiration date. You may see this discount when you get Austin car insurance quotes online.
• Cautious Driver Discount – Drivers who avoid accidents may receive a discount up to 45% compared to accident prone drivers.

As a sidenote, most discount credits are not given to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. Even though the math looks like adding up those discounts means a free policy, it’s just not the way it works. Any amount of discount should help reduce the cost of coverage.

Popular auto insurance companies and the discounts they provide are shown below.

• AAA may include discounts for AAA membership discount, multi-car, pay-in-full, anti-theft, good student, good driver, and education and occupation.
• Progressive may offer discounts for online quote discount, multi-vehicle, homeowner, continuous coverage, good student, and multi-policy.
• State Farm has savings for anti-theft, accident-free, Steer Clear safe driver discount, driver’s education, and good student.
• Esurance offers discounts including multi-car, anti-theft, online shopper, multi-policy, renters, and paid-in-full.
• Nationwide includes discounts for business or organization, anti-theft, defensive driving, accident-free, and multi-policy.

Before you buy a policy, ask each company how many discounts you can get. Depending on the company, some discounts may not apply to policies in every state. If you would like to view providers that offer multiple discounts in Texas, click here to view.

Insurance agent or online?

Certain consumers still like to buy from a local agent and we recommend doing that A good thing about price shopping on the web is that you can obtain lower prices and still have a local agent.

For easy comparison, once you complete this form (opens in new window), your insurance coverage information is instantly submitted to insurance agents in Austin that give free quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies because prices are sent to the email address you provide. You can find the lowest rates and an insurance agent to talk to. If for some reason you want to quote rates from one company in particular, you can always visit that company’s website and submit a quote form there.

Choosing the best provider requires you to look at more than just the premium amount. The questions below may impact your decision as well.

• Does their agency support local causes in Austin?
• Do the agents have professional certifications like CPCU or CIC?
• Can they help ensure a fair claim settlement?
• Is there any savings for paying the full premium?
• Is vehicle damage repaired with OEM or aftermarket parts?
• What company do they have the most business with?
• Do you need full coverage on every vehicle?
• Are they giving you every discount you deserve?

When searching for a reliable insurance agency, it’s important to understand the types of insurance agents and how they are distinctly different. Agents are categorized either independent (non-exclusive) or exclusive.

Exclusive Insurance Agents

Agents that choose to be exclusive can only provide one company’s prices and examples are Allstate, Farmers Insurance or State Farm. They generally cannot shop your coverage around so you might not find the best rates. Exclusive agents are well trained on what they offer which helps them sell on service rather than price. A lot of people use the same exclusive agent mainly due to the brand name rather than low price.

The following is a list of exclusive insurance agents in Austin who may provide you with comparison quotes.

• Karen Easterling – State Farm Insurance Agent
  2711 W Anderson Ln #201 – Austin, TX 78757 – (512) 454-4784 – View Map
• Gary Shanahan – State Farm Insurance Agent
  5145 N FM 620 b170 – Austin, TX 78732 – (512) 458-2593 – View Map
• Allstate Insurance: Fleming and Conway Agency
  3435 Greystone Dr Ste 107 – Austin, TX 78731 – (512) 345-0005 – View Map

View more Austin agents

Independent Insurance Agencies

Agents that elect to be independent are not employed by one company so they can write business with any number of different companies depending on which coverage is best. If you want to switch companies, they simply move the coverage in-house and you don’t have to switch agencies. If you need cheaper insurance rates, you should always include multiple independent agents to have the best price comparison. They often place coverage with additional companies that you may not be familiar with that many times have cheaper rates.

Shown below is a list of independent agencies in Austin who can help you get comparison quotes.

• AmeriFirst Insurance Agency, LLC
  8300 N Mopac Expy #105 – Austin, TX 78759 – (512) 524-8808 – View Map
• EZ Insurance Agency – Main
  4502 S Congress Ave – Austin, TX 78745 – (512) 444-4040 – View Map
• Lezam Insurance
  4301 W. William Cannon Dr., Ste. B-120 – Austin, TX 78749 – (512) 263-4333 – View Map

View more Austin agents

Once you have received satisfactory answers to your questions as well as a affordable price, chances are good that you have found an insurance agent that meets the requirements to service your policy.

Big names are not always cheapest

Well-known insurance companies like State Farm, GEICO and Progressive consistently run ads on TV and radio. They all try to convey promises about how much you will save if you switch your policy. Is it even possible that every company can offer you a better deal on Acura RL insurance in Austin?

Different companies look for specific characteristics for a prospective insured that will most likely be profitable. For example, a desirable risk could possibly be a mature driver, has few claims, and insures a new vehicle. Any person who matches those parameters will probably get the lowest prices and most likely will cut their rates substantially.

Drivers who don’t meet those standards may be required to pay a more expensive rate and the customer buying from a different company. If you pay close attention to the ads, they say “drivers that switch” not “everybody who quotes” save that much money. That’s the way companies can make claims that they all have the best premium rates. This really drives home the point why you really need to compare free Austin car insurance quotes often. It’s just not possible to know which insurance company will have the best car insurance rates at this point in time.

Car insurance coverage options for an Acura RL

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like pain medications, ambulance fees, hospital visits and surgery. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, fire damage, hail damage and hitting a deer. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability

This coverage can cover damage that occurs to other’s property or people by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 30/60/25 which means a limit of $30,000 per injured person, a total of $60,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things such as emergency aid, medical expenses and medical services. How much liability should you purchase? That is up to you, but buy higher limits if possible. Texas requires drivers to carry at least 30/60/25 but drivers should carry better liability coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Acura RL.

Because many people have only the minimum liability required by law (30/60/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision coverage

This pays for damage to your RL resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible on your RL in order to get cheaper collision rates.

What is YOUR best insurance company?

We just showed you a lot of information how to shop for Acura RL insurance online. The key concept to understand is the more companies you get car insurance rates for, the higher the chance of saving money. You may even be surprised to find that the most savings is with the smaller companies.

Insureds who switch companies do it for any number of reasons including high rates after DUI convictions, delays in paying claims, an unsatisfactory settlement offer and poor customer service. Regardless of your reason, finding a new auto insurance company can be less work than you think.

When getting Austin car insurance quotes online, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. Your strategy should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

More information can be found at the links below

• Parking Tips to Reduce Door Dings (State Farm)
• Who Has Cheap Car Insurance for a Ford Fusion in Austin? (FAQ)
• How Much are Austin Auto Insurance Rates for Real Estate Agents? (FAQ)
• Who Has the Cheapest Austin Car Insurance for a Toyota Tacoma? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for State Employees in Austin? (FAQ)
• What Auto Insurance is Cheapest for First-time Drivers in Austin? (FAQ)
• Who Has Cheap Car Insurance Quotes for a Honda Civic in Austin? (FAQ)
• Teen Driving and Texting (State Farm)
• Frontal Crash Tests (iihs.org)