Affordable Quotes for Acura RL Insurance in Plano

Insurance for Acura RLDid you fall for a flashy sales pitch and buy an overpriced insurance policy? You’re preaching to the choir because many Plano drivers feel the same as you.

We don’t have to tell you that auto insurance companies don’t want policyholders to compare prices from other companies. People who shop around will most likely move their business because there is a high probability of finding a lower rate. Surprisingly, a recent survey revealed that people who routinely shopped for cheaper coverage saved about $865 annually as compared to drivers who don’t make a habit of comparing rates.

If finding the cheapest rates on insurance in Plano is your objective, then having some knowledge of the best ways to find and compare insurance rates can make the process more efficient. Due to the large number of insurance providers from which to choose, it can be difficult for people to pick a lower cost insurance company.

The providers in the list below can provide free quotes in Plano, TX. If multiple companies are listed, we recommend you visit two to three different companies in order to find the most competitive rates.

Best reasons to buy auto insurance in Texas

Despite the high cost of buying insurance for a Acura RL in Plano, insuring your vehicle may be mandatory for several reasons.

The benefits of carrying adequate insurance definitely exceed the cost, particularly when you have a large claim. But the average driver in Texas is overpaying more than $855 a year so it’s important to compare rates at every policy renewal to make sure the price is not too high.

Rates and other information

The table below highlights estimates of insurance policy prices for Acura RL models. Being able to understand how auto insurance premiums are formulated can be of help when making decisions when choosing a new policy provider.

Acura RL Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $354 $772 $366 $22 $110 $1,624 $135
RL 3.7 with Tech Package $354 $772 $366 $22 $110 $1,624 $135
RL 3.7 with Tech/CMBS Package $354 $772 $366 $22 $110 $1,624 $135
Get Your Own Custom Quote Go

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in vehicle location which can modify premium rates noticeably.

The information below demonstrates how deductible levels and can impact Acura RL annual premium costs for each different age category. The prices are based on a single male driver, full coverage, and no additional discounts are factored in.

Insurance rates based on gender

The chart below shows the difference between Acura RL annual premium costs for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are applied.

Full coverage versus liability only rates

The chart below illustrates the comparison of Acura RL yearly insurance costs with full physical damage coverage and with liability coverage only. The rates are based on no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are applied.

Guidelines for dropping full coverage

There is no exact formula for dropping physical damage insurance, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s say your Acura RL settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,000 after paying your deductible. If you are paying more than $600 a year for your policy with full coverage, then it could be time to drop full coverage.

There are some situations where dropping full coverage is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

Save a ton with these nine discounts

Auto insurance is not an enjoyable expense, but you might find some hidden discounts to cut the cost considerably. Many discounts should be triggered at the time of quoting, but a few need to be inquired about before you get the savings.Save money with discounts

Policy discounts save money, but most credits do not apply to the whole policy. Most cut the cost of specific coverages such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, nobody gets a free ride.

The information below shows the comparison of Acura RL auto insurance costs with and without discounts applied. The price estimates are based on a female driver, no accidents or 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 multi-policy, homeowner, multi-car, marriage, claim-free, and safe-driver discounts applied.

A few popular companies and a partial list of their discounts are:

When quoting, ask all companies you are considering how many discounts you can get. Discounts might not be available to policyholders in your area. To view insurance companies that offer discounts in Texas, click here to view.