Save Money on Acura RL Insurance in Columbus

Discount Acura RL insuranceShocking but true, almost 70% of drivers have stayed with the same insurance company for four years or more, and about 40% of consumers have never shopped around. With the average premium in Ohio being $1,340, drivers could cut their rates by about $729 a year by just comparing rate quotes, but most undervalue how much money they would save if they replace their high priced policy.

Truthfully, the best way to find affordable quotes for Acura RL insurance is to start comparing prices regularly from insurers who sell insurance in Columbus. Rates can be compared by following these steps.

  1. Take a little time to learn about how car insurance works and the things you can control to lower rates. Many risk factors that are responsible for high rates such as at-fault accidents, careless driving, and a poor credit score can be rectified by making small lifestyle or driving habit changes.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like GEICO or Allstate, while independent agencies can give you price quotes for many different companies. Click to view companies
  3. Compare the price quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate and switch companies, make sure there is no coverage gap between policies.
  4. Notify your agent or company of your intent to cancel your current coverage and submit a completed application and payment for the new policy. Make sure you put the new certificate verifying proof of insurance with the vehicle registration.

The most important part of this process is to compare the same level of coverage on every quote and and to get prices from all possible companies. Doing this enables a fair rate comparison and and a good selection of different prices.

The quickest method to compare insurance rates in your area is to understand most larger insurance companies participate in a system to compare their rates. The only thing you need to do is give the companies some data like if you have an active license, how old drivers are, what you do for a living, and your credit rating estimate. The data is automatically sent to all major companies and they respond with quotes almost instantly.

If you would like to start a quote now, click here and see if a lower rate is available in Columbus.

The providers in the list below are our best choices to provide quotes in Columbus, OH. If several companies are displayed, it’s highly recommended you compare several of them to find the lowest auto insurance rates.

Auto insurance discounts help lower rates for Acura RL insurance in Columbus

Companies that sell car insurance do not list the complete list of policy discounts in an easy-to-find place, so we researched both well-publicized and the more hidden credits available to lower your premiums when you buy Columbus auto insurance online.Auto insurance discounts

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, that’s just not realistic.

The diagram below illustrates the comparison of Acura RL auto insurance rates with and without discounts applied to the policy rates. The price estimates are based on a female driver, no claims or driving citations, Ohio state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, marriage, safe-driver, and claim-free discounts applied.

Insurance companies who might offer these money-saving discounts include:

If you want cheaper Columbus auto insurance quotes, ask each company the best way to save money. Savings might not be offered in your state.

Insurance data for an Acura RL

The rate table shown below showcases estimates of insurance coverage prices for Acura RL models. Knowing how car insurance premiums are determined can assist in making smart choices when purchasing an insurance policy.

Acura RL Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $244 $454 $226 $14 $68 $1,006 $84
RL 3.7 with Tech Package $244 $454 $226 $14 $68 $1,006 $84
RL 3.7 with Tech/CMBS Package $244 $454 $226 $14 $68 $1,006 $84
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Prices do not factor in specific location information which can increase or decrease price quotes significantly.

Higher deductibles save money

A question often asked by Columbus drivers is the level to set your comp and collision deductibles. The comparisons below summarize how much more you’ll pay when you buy lower versus higher coverage deductibles. The first data table uses a $100 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Acura RL insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $270 $542 $226 $14 $68 $1,145 $95
RL 3.7 with Tech Package $270 $542 $226 $14 $68 $1,145 $95
RL 3.7 with Tech/CMBS Package $270 $542 $226 $14 $68 $1,145 $95
Get Your Own Custom Quote Go

Acura RL insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $150 $286 $226 $14 $68 $744 $62
RL 3.7 with Tech Package $150 $286 $226 $14 $68 $744 $62
RL 3.7 with Tech/CMBS Package $150 $286 $226 $14 $68 $744 $62
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in specific location information which can impact prices considerably.

Based on the data above, we can derive that using a $100 deductible will cost you roughly $33 more each month or $396 annually than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go more than 27 months between claims, you would save money if you decide on a higher deductible. Below is the way you can make this decision for your own policy.

Average monthly premium for $100 deductibles: $95
Average monthly premium for $1,000 deductibles (subtract): – $62
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One thing to be aware of is that increasing deductibles to save money results in a higher out-of-pocket expense when you have a claim. You will want to have enough money stashed away in the event you need to pay the deductible for vehicle repair.

The Acura RL Insurance Cost Equation

Multiple criteria are part of the equation when you quote your car insurance policy. Some factors are common sense such as your driving history, although some other factors are not quite as obvious such as your credit history or how financially stable you are.

The following are most of the major factors companies use to determine your premiums.

Stress out and pay more – Did you know your career choice can influence rates? Careers such as fire fighters, airline pilots, and stock brokers are shown to have higher premiums than the average policyholder due to intense work-related stress and incredibly demanding work hours. On the other hand, professions such as actors, engineers and retirees generally pay rates lower than average.

Your gender affects premiums – Over time, data shows that females take fewer risks when driving. However, this does not mean women are BETTER drivers than men. Females and males are in accidents in similar numbers, but the men tend to have higher claims. In addition to higher claims, males also get higher numbers of serious violations such as DWI and reckless driving. Youthful male drivers generally have the highest accident percentage and therefore are the most expensive to insure.

The information below illustrates the comparison of Acura RL insurance prices for male and female drivers. The price estimates are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, marital status is single, and no policy discounts are applied.

Too many claims and you’ll pay more – If you’re an insured who likes to file claims you shouldn’t be surprised to get much higher rates or policy non-renewal. Companies in Ohio give lower rates to policyholders who do not file claims often. Auto insurance is intended for larger claims.

Good drivers pay less – Whether or not you get tickets impacts premiums far more than you think. Only having one chargeable violation may cause rates to rise to the point where it’s not affordable. Attentive drivers tend to pay less for car insurance than their less careful counterparts. People who have serious violations such as DUI or willful reckless driving may be required to submit a SR-22 form with their state DMV in order to keep their license.

The chart below highlights how speeding tickets and at-fault claims increase Acura RL car insurance rates for different age groups. The premiums assume a married male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.

Raising coverage deductibles lowers costs – Physical damage protection, also called comprehensive and collision insurance, covers damage that occurs to your Acura. A few examples of covered claims could be a broken windshield, collision with an animal, and damage caused by flying debris. The deductibles are the amount of money you are willing to pay in the event of a claim. The more money you’re willing to pay, the less your insurance will be.

Drivers with good credit save – An insured’s credit rating is likely to be a major factor in calculating your insurance rates. If your credit could use some work, you could save money insuring your Acura RL by improving your credit score. Drivers who have very good credit scores tend to file fewer claims than those with lower credit scores.

Commute or pleasure use – The higher the miles on your Acura every year the higher the price you pay to insure it. A lot of companies calculate prices based on how the vehicle is used. Vehicles used primarily for pleasure use cost less to insure than cars that get driven a lot. Having an incorrect usage rating on your RL may be costing you higher rates. Ask your agent if your insurance policy is showing the right rating data, because improper ratings can cost you money.

Acura RL claim data – Companies factor in insurance loss information when setting rates for each model. Vehicles that the data determines to have higher frequency or amount of claims will have higher rates. The information below illustrates the insurance loss data used by companies for Acura RL vehicles.

For each policy coverage type, the loss probability for all vehicles averaged together is set at 100. Percentages below 100 mean the vehicle has better than average losses, while numbers that are greater than 100 indicate more frequent losses or statistically larger claims.

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

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years