How to Save on Phoenix Acura RL Insurance

Insurance rates Acura RL in PhoenixAre you sick of overpaying and want low-cost Acura RL insurance in Phoenix? No one likes having to buy insurance, especially when the cost is way too high.

Remarkably, a study showed that 70% of consumers have remained with the same insurance company for over three years, and roughly 40% of drivers have never shopped around. Drivers in Arizona could cut their rates by up to $700 a year by just comparing quotes, but they mistakenly think it’s difficult to do a rate comparison.

Big companies like State Farm and GEICO persitently shower you with TV and radio ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

Cheap car insurance in Phoenix, AZ

The car insurance companies shown below have been selected to offer price comparisons in Arizona. If the list has multiple companies, we suggest you compare several of them in order to find the most affordable rates.

Acura RL Insurance Cost Estimates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $190 $426 $390 $24 $116 $1,146 $96
RL 3.7 with Tech Package $290 $594 $404 $24 $122 $1,434 $120
RL 3.7 with Tech/CMBS Package $250 $510 $288 $18 $86 $1,152 $96
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in Phoenix location which can revise rates substantially.

Higher deductibles save money

The information below demonstrates how deductible levels and can increase or decrease Acura RL insurance costs for each different age group. The premium estimates are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

Slash your insurance rates with discounts

Insuring your fleet can be pricey, but you may find discounts that you may not even know about. Many of these discounts will be applied automatically when you get a quote, but once in a while a discount must be specially asked for prior to receiving the credit. If you check and find you aren’t receiving every discount you qualify for, you are paying more than you should be.Cheaper insurance with discounts

Remember that some of the credits will not apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. Even though the math looks like all the discounts add up to a free policy, it doesn’t quite work that way.

Large insurance companies and their possible discounts include:

When quoting, ask every prospective company to give you their best rates. Depending on the company, some discounts may not apply in your state.

Get More Affordable Insurance Costs by Understanding These Factors

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for auto insurance. If you have some idea of what impacts premium levels, this enables you to make decisions that could help you find lower premium levels.

The factors shown below are some of the major factors used by your company to calculate your premiums.

Tickets and citations cost more than a fine – A bad driving record has a lot to do with how much you pay for insurance. Even a single moving violation can boost insurance rates by as much as thirty percent. Drivers with clean records pay less for auto insurance as compared to those with violations. Drivers with license-revoking tickets such as DUI or reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with their state in order to prevent a license revocation.

Pay less after the wedding – Getting married actually saves money on auto insurance. Marriage demonstrates that you tend to be more mature and responsible it has been statistically shown that drivers who are married are more cautious.

Reduce rates by driving vehicles with better crash test results – Cars with five star safety ratings get lower rates. Vehicles engineered for safety have better occupant injury protection and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Acura is rated at least four stars on you may pay a lower rate.

Teenagers are high risk – Beginning drivers in Arizona are statistically shown to get distracted easily behind the wheel and because of this, their auto insurance rates are much higher. Parents adding a inexperienced driver to your auto insurance policy can really hurt. Older, more experienced drivers tend to be more responsible, tend to file fewer claims, and tend to be get fewer driving tickets.

Lower auto insurance rates with theft deterrents – Purchasing a vehicle with anti-theft technology or alarm system can earn a premium discount. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.

Liability insurance is critical – Your policy’s liability coverage will protect you if a court rules you are at fault for causing damage or personal injury in an accident. Your liability coverage provides legal defense coverage to defend your case. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.

Loss probability for an Acura RL – Insurance companies use past insurance losses as a tool for profitable underwriting. Models that tend to have high amounts or severity of claims will cost more for coverage. The next table illustrates the historical loss data for Acura RL vehicles.

For each coverage type, the claim amount for all vehicles, as an average, equals 100. Values under 100 represent a good loss history, while numbers above 100 point to more frequent losses or statistically larger losses.

Acura RL Insurance Claim Statistics

Vehicle 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

What if I want to buy from local Phoenix car insurance agents?

Certain consumers would prefer to have an agent’s advice and that is recommended in a lot of cases The best thing about comparing insurance prices online is the fact that you can find the lowest rates and still choose a local agent.

Phoenix insurance agentsFor easy comparison, once you complete this quick form, your insurance coverage information is transmitted to local insurance agents in Phoenix that give free quotes for your coverage. You don’t have to leave your house due to the fact that quote results will go immediately to you. You can find the lowest rates without a big time investment. If you have a need to get a price quote from a specific auto insurance provider, just navigate to their website and fill out the quote form the provide.

Picking the best company needs to be determined by more than just a cheap quote. The questions below may impact your decision as well.

Phoenix car insurance agents come in two flavors

If you want to use a local Phoenix insurance agent, there are two different types of agents and how they are slightly different. Agencies in Phoenix can be categorized as either independent agents or exclusive agents.

Exclusive Agencies

These agents can only provide pricing for a single company like Farmers Insurance, State Farm, Allstate, and AAA. They are unable to give you multiple price quotes so they have no alternatives for high prices. They are well trained in insurance sales which helps offset the inability to provide other markets.

Shown below are Phoenix exclusive agents that are able to give price quotes.

Susan Cox – State Farm Insurance Agent
2715 W Northern Ave #110Phoenix, AZ 85051(602) 995-2821View Map

4030 E Bell Rd #112Phoenix, AZ 85032(602) 266-2050View Map

3738 E Thomas RdPhoenix, AZ 85018(602) 955-3284View Map

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Independent Agencies or Brokers

These agents are not restricted to one company so they can write business with many different companies and potentially find a lower price. If they find a cheaper price, your agent can switch companies and you can keep the same agent. When comparing auto insurance prices, you will definitely want to get some free quotes from a couple of independent agencies in order to have the best price comparison.

Shown below are Phoenix independent insurance agents who can help you get rate quotes.

5720 N 27th AvePhoenix, AZ 85017(602) 242-5303View Map

Independent Insurance Agents
333 E Flower StPhoenix, AZ 85012(602) 956-1851View Map

317 N 19th AvePhoenix, AZ 85009(602) 233-5500View Map

View more Phoenix agents

In Summary

Affordable Acura RL insurance in Phoenix is definitely available both online as well as from insurance agents, and you need to price shop both to get a complete price analysis. Some car insurance companies may not provide price quotes online and usually these smaller companies sell through local independent agencies.

In this article, we covered quite a bit of information on how to lower your Acura RL insurance premium rates in Phoenix. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may even discover the most savings is with the least-expected company. Regional companies often have lower prices on specific markets than their larger competitors like GEICO and State Farm.

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