Cheap Acura RL Car Insurance in 2024 (Save With These 10 Companies!)
NJM, Erie, and USAA offer the best rates for cheap Acura RL car insurance, starting as low as $35 per month. These companies excel in affordability and comprehensive coverage options, making them top choices for Acura RL owners seeking quality insurance without compromising on service or reliability.
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Daniel Walker
Licensed Insurance Agent
Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring tha...
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UPDATED: Oct 22, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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These providers stand out due to their robust policy offerings and outstanding customer service, making them ideal choices for Acura RL owners looking for affordable insurance options.
Our Top 10 Company Picks: Cheap Acura RL Car Insurance
Company Rank Monthly Rates Good Driver Discount Best For Jump to Pros/Cons
#1 $35 15% Policy Dividends NJM
#2 $41 20% Regional Service Erie
#3 $42 12% Military Families USAA
#4 $44 15% Broad Coverage Geico
#5 $45 18% Digital Tools Progressive
#6 $47 15% Custom Options Farmers
#7 $49 14% Personalized Service Auto-Owners
#8 $50 12% Custom Coverage Liberty Mutual
#9 $55 10% Comprehensive Perks Allstate
#10 $60 25% Service Quality State Farm
Understanding the factors that influence insurance rates, such as driving history and vehicle safety features, can help consumers make informed decisions. By comparing quotes and exploring discounts, drivers can ensure they receive the best possible rates tailored to their needs.
- NJM is the top choice for affordable Acura RL car insurance
- Acura RL car insurance rates are influenced by vehicle safety and location
- Optimal coverage options for Acura RL owners vary based on driving habits
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#1 – NJM Insurance Group: Top Overall Pick
Pros
- Attractive Rates: NJM offers some of the lowest monthly rates, starting at $35.
- Good Driver Discount: A 15% discount rewards safe drivers. Learn more in our NJM insurance car insurance discounts.
- Policy Dividends: NJM policyholders may receive dividends, providing extra value.
Cons
- Limited Availability: NJM’s services are geographically restricted to certain states.
- Fewer Digital Tools: Compared to competitors, NJM has less robust online and mobile tools.
#2 – Erie Insurance: Best for Regional Service
Pros
- Competitive Monthly Rates: Starting at $41 for comprehensive coverage.
- Higher Good Driver Discount: Offers a substantial 20% discount for safe drivers.
- Strong Local Presence: Excellent regional service with a personal touch. See more details on our Erie insurance review & ratings.
Cons
- Regional Limitations: Service is not available nationwide.
- Less Flexible Policy Options: Fewer choices in policy customization compared to larger insurers.
#3 – USAA: Best for Military Families
Pros
- Military-Focused Benefits: Tailored services and discounts for military members and their families.
- Competitive Rates: Monthly premiums start at $42. Read up on the USAA insurance review & ratings for more information.
- Trustworthy Customer Service: Highly rated for customer satisfaction and support.
Cons
- Exclusivity: Only available to military members, veterans, and their families.
- Limited Physical Locations: Fewer in-person branches, which might affect those preferring face-to-face service.
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#4 – Geico: Best for Broad Coverage
Pros
- Wide Coverage Options: Offers a variety of insurance products to cater to different needs.
- Affordable Rates: Competitive pricing with rates starting at $44. Check out insurance savings in our complete “What car insurance discounts does GEICO Secure Insurance Company offer?“
- High Good Driver Discount: Provides a 15% discount for safe driving.
Cons
- Variable Customer Service: Customer service quality can vary significantly by region.
- Claims Process Issues: Some users report delays and complications in the claims process.
#5 – Progressive: Best for Digital Tools
Pros
- Innovative Tools: Leading in digital and technological solutions for insurance management.
- Competitive Discounts: Offers an 18% good driver discount. See details in our Progressive insurance review & ratings for more information.
- Affordable Rates: Rates start at $45, keeping them competitive.
Cons
- Inconsistent Agent Experience: Quality of service can vary depending on the agent or region.
- Upselling Tactics: Some customers report aggressive upselling of additional features.
#6 – Farmers Insurance: Best for Custom Options
Pros
- Customizable Policies: Offers extensive options for policy customization.
- Solid Discounts: Provides a 15% good driver discount. Unlock details in our Farmers insurance review & ratings.
- Personalized Service: Known for personalized customer interactions.
Cons
- Higher Pricing: Premiums are relatively higher, starting at $47.
- Complex Policies: Some customers find the range of options confusing.
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#7 – Auto-Owners Insurance: Best for Personalized Service
Pros
- Highly Personalized Service: Focuses on individual customer needs and situations.
- Competitive Discounts: Offers a 14% good driver discount. Unlock details in our Auto-Owners insurance review & ratings.
- Reasonable Rates: Premiums are competitive, starting at $49.
Cons
- Limited Digital Offerings: Not as technologically advanced as some competitors.
- Geographic Restrictions: Services are not available in all states.
#8 – Liberty Mutual: Best for Custom Coverage
Pros
- Wide Range of Customization: Allows customers to tailor their policies extensively.
- Comprehensive Coverage Options: Offers a broad array of coverage types.
- Moderate Good Driver Discount: Provides a 12% discount for safe driving. Discover insights in our Liberty Mutual review & ratings to learn more.
Cons
- Higher End of Pricing: Starts at $50 per month, which can be pricey.
- Inconsistent Service Levels: Service quality can vary depending on the location and agent.
#9 – Allstate: Best for Comprehensive Perks
Pros
- Rich in Features: Offers numerous perks and additional coverages.
- Good Discounts: Includes a 10% good driver discount. More information is available about this provider in our Allstate insurance review & ratings.
- Extensive Agent Network: Large network of agents provides accessible service.
Cons
- Premium Pricing: One of the higher starting rates at $55.
- Variable Customer Satisfaction: Customer reviews on service are mixed.
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#10 – State Farm: Best for Service Quality
Pros
- Exceptional Service Quality: Renowned for high-quality customer service. Discover more about offerings in our State Farm insurance review & ratings.
- Significant Good Driver Discount: Offers the highest good driver discount of 25%.
- Diverse Coverage Expertise: Provides a wide range of insurance products and coverages.
Cons
- Higher Premium Costs: Despite discounts, premiums are relatively higher, starting at $60.
- Limited Multi-Policy Discount: Not as competitive as others in multi-policy savings.
Comparative Monthly Insurance Rates for Acura RL
When selecting car insurance for the Acura RL, it’s essential to compare both minimum and full coverage rates across various providers to find the most cost-effective option.
Car Insurance for Acura RL: Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $55 $220
Auto-Owners $49 $205
Erie $41 $106
Farmers $47 $201
Geico $44 $193
Liberty Mutual $50 $210
NJM $35 $102
Progressive $45 $198
State Farm $60 $226
USAA $42 $190
For minimum coverage, NJM offers the lowest rate at $35 per month, making it an attractive choice for those seeking basic protection. Conversely, State Farm’s minimum coverage starts at $60.
For full coverage, which includes comprehensive and collision insurance, NJM again presents the most affordable option at $102 monthly, significantly lower than the highest rate of $226 offered by State Farm.
This detailed comparison shows substantial variability in both minimum and full coverage costs, highlighting the importance of thorough research when choosing an insurance provider for an Acura RL. Learn more in our “What is included in comprehensive car insurance?”
Factors That Affect Acura Rl Car Insurance Rates
There are several factors that insurance companies take into account when determining the cost of insuring an Acura RL. These factors include:
- Insurance Classification: Insurance companies classify vehicles based on various factors such as the make, model, value, and safety features. The classification of your Acura RL can have a significant impact on your insurance rates. Generally, high-performance or luxury vehicles like the Acura RL may come with higher insurance premiums due to their expensive repair costs.
- Age and Driving Experience: Your age and driving experience can influence your Acura RL car insurance costs. Younger and less experienced drivers generally face higher insurance rates due to the increased risk of accidents and claims. As you gain more experience and maintain a clean driving record, you may be eligible for lower premiums.
- Location: Where you live can also impact your Acura RL car insurance premiums. Insurance companies consider factors such as crime rates, traffic congestion, and the likelihood of accidents in your area when determining rates. Urban areas with higher population densities may have higher insurance costs compared to rural areas.
- Vehicle Safety Features: The safety features of your Acura RL can play a role in determining your insurance rates. Vehicles equipped with advanced safety technologies, such as anti-lock brakes, airbags, traction control, and collision avoidance systems, may be eligible for discounts on insurance premiums.
- Coverage Options: The level of coverage you choose for your Acura RL car insurance will also affect the cost. Basic liability coverage is typically the minimum requirement, but additional coverage options such as collision, comprehensive, and uninsured/underinsured motorist protection can increase your premiums.
- Driving Record: Your driving record is an important factor that insurance companies consider when determining your Acura RL car insurance rates. If you have a history of accidents, traffic violations, or other driving infractions, you may be considered a higher risk and could face higher premiums. On the other hand, a clean driving record with no accidents or violations can help lower your insurance costs.
Car insurance rates for the Acura RL are influenced by a variety of factors, including the vehicle’s insurance classification, the driver’s age and experience, location, safety features, coverage options, and driving record.
Understanding these determinants can help owners potentially reduce their premiums by addressing the factors within their control, such as improving driving habits and choosing appropriate coverage levels. See more details on how does the insurance company determines my premium.
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Tips For Finding Affordable Acura Rl Car Insurance Quotes
Now that you understand the various factors that influence Acura RL car insurance rates, let’s discuss some tips that can help you find affordable insurance quotes:
- Shop Around: Take the time to compare quotes from different insurance companies. Each company has its own pricing model and may offer different discounts, so shopping around can help you find the best deal.
- Consider Higher Deductibles: Opting for a higher deductible means you’ll have to pay more out of pocket in the event of a claim. However, higher deductibles often lead to lower insurance premiums, so consider your financial situation and weigh the potential savings against the increased risk.
- Maximize Discounts: Insurance companies offer various discounts that can help reduce your premiums. Some common discounts include safe driver discounts, multi-policy discounts, and discounts for bundling your auto insurance with other policies such as homeowners or renters insurance.
- Maintain a Good Driving Record: Avoiding accidents and traffic violations can help keep your insurance rates in check. Insurance companies often reward safe driving by offering lower premiums to drivers with clean records.
- Consider Usage-Based Insurance: Some insurance companies offer usage-based insurance programs where your premium is based on your driving habits. This can be a good option if you are a safe driver who doesn’t drive frequently or during peak hours.
- Improve Your Credit Score: Your credit score can also impact your car insurance rates. Maintaining a good credit score can help you qualify for lower premiums, so make sure to pay your bills on time and keep your credit utilization low.
Understanding Deductibles And Their Effect On Acura Rl Car Insurance
Deductibles play a crucial role in your Acura RL car insurance premiums. A deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in after a covered claim. Generally, the higher your deductible, the lower your insurance premium. Learn more in our “What is the difference between a deductible and a premium in car insurance?”
Choosing a deductible that aligns with your financial capabilities and risk tolerance is an important decision to make when insuring your Acura RL. It’s important to note that while a higher deductible can lower your insurance premium, it also means you’ll have to pay more out of pocket in the event of a claim.
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On the other hand, a lower deductible may result in a higher premium, but it can provide more financial protection if you need to file a claim. Consider your budget and the potential risks associated with your Acura RL when deciding on the deductible amount that best suits your needs.
Exploring Discounts Available For Acura Rl Car Insurance
Insurance companies offer various discounts that can help you save on your Acura RL car insurance. Some common discounts include:
- Safe Driver Discounts: If you have a clean driving record with no accidents or traffic violations, you may be eligible for a safe driver discount.
- Multi-Policy Discounts: Insuring your Acura RL and other policies, such as homeowners or renters insurance, with the same insurance company can often lead to discounts.
- Low Mileage Discounts: If you don’t drive your Acura RL frequently, you may be eligible for a low mileage discount.
- Vehicle Safety Features Discounts: Installing safety features like anti-lock brakes, airbags, and anti-theft devices in your Acura RL can lead to discounts on your insurance premiums.
- Good Student Discounts: If you are a student with good grades, you may be eligible for a good student discount on your Acura RL car insurance. Insurance companies often offer this discount to students who maintain a certain GPA.
- Defensive Driving Course Discounts: Taking a defensive driving course can not only improve your driving skills but also make you eligible for a discount on your Acura RL car insurance. Insurance companies often offer this discount to drivers who have completed an approved defensive driving course.
To reduce the cost of insuring an Acura RL, taking advantage of available discounts such as safe driver, multi-policy, and low mileage discounts can be highly beneficial. Additionally, enhancing vehicle safety features and pursuing academic or defensive driving accolades may further decrease premiums, making comprehensive coverage more affordable. See more details on our “Lesser Known Car Insurance Discounts.”
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Comparing Different Insurers For The Best Acura Rl Car Insurance
Lastly, when looking for the best Acura RL car insurance, it’s important to compare quotes from multiple insurers. Different insurance companies have their own pricing models and discounts, so obtaining quotes from various providers allows you to evaluate the options and choose the one that offers the most competitive rates for the coverage you need.
Remember, finding affordable car insurance for your Acura RL requires some research and consideration. By understanding the factors that affect insurance rates and following the tips mentioned in this article, you can make informed decisions and potentially save money while ensuring adequate coverage for your Acura RL.
One important factor to consider when comparing different insurers for the best Acura RL car insurance is the level of customer service they provide. It’s essential to choose an insurer that is responsive and helpful in addressing any concerns or issues that may arise during the claims process. Reading customer reviews and ratings can give you insights into the quality of customer service offered by different insurers.
In addition to comparing quotes and customer service, it’s also worth considering the financial stability of the insurance companies you are evaluating. A financially stable insurer is more likely to have the resources to pay out claims in a timely manner. You can check the financial strength ratings of insurers from independent rating agencies such as A.M. Best Ratings or Standard & Poor’s to assess their financial stability.
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Frequently Asked Questions
What factors affect the cost of Acura RL car insurance?
Several factors can influence the cost of Acura RL car insurance. These may include the driver’s age, driving history, location, coverage limits, deductible amount, and the specific insurance provider.
For additional details, explore our comprehensive resource titled “What age do you get cheap car insurance?“
Are Acura RL cars generally expensive to insure?
Insurance costs for Acura RL cars can vary depending on the factors mentioned earlier. However, Acura RL cars are generally considered luxury vehicles, which can result in higher insurance premiums compared to non-luxury cars.
Does the Acura RL model year impact insurance rates?
Yes, the Acura RL model year can impact insurance rates. Newer models may have higher insurance costs due to their higher value and potential repair expenses. Older models, on the other hand, may have lower insurance costs due to their decreased value.
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What are some ways to potentially lower Acura RL car insurance costs?
There are several ways to potentially lower Acura RL car insurance costs. These include maintaining a clean driving record, opting for a higher deductible, bundling insurance policies, taking advantage of available discounts, and comparing quotes from multiple insurance providers.
To find out more, explore our guide titled “Best Safe Driver Car Insurance Discounts.”
Can the location where the car is primarily driven affect insurance rates?
Yes, the location where the Acura RL car is primarily driven can affect insurance rates. Areas with higher crime rates or higher instances of accidents may result in higher insurance premiums. Additionally, urban areas may have higher insurance costs compared to rural areas.
Who is known for cheapest car insurance?
According to our research, USAA, Nationwide, Travelers, Erie, Geico, and Progressive are the most affordable car insurance providers across the country.
Are Acura RL expensive to maintain?
On average, the annual expenses for repairs and maintenance of an Acura RL amount to $539. This is less compared to the typical $976 for luxury full-size cars and $652 for all vehicle models, covering unscheduled repairs and maintenance for any model year.
To find out more, explore our guide titled “How to Get Free Insurance Quotes Online.”
What is the lowest form of car insurance?
Is Acura RL a luxury car?
The Acura RL, a mid-size luxury vehicle, was produced by Honda’s Acura division from 1996 to 2012 across two generations.
Why was the Acura RL discontinued?
Acura has declared that it will cease production of its premier sedan following the 2020 model year. A potential reason for this decision is that the RLX, priced starting at $55,925, attracted merely 179 purchasers in the initial quarter of its release year.
To learn more, explore our comprehensive resource on “Is it cheaper to insure a Honda Civic sedan than a coupe?“
Is the Acura RL fast?
What is the most expensive type of car insurance?
What is the best level of car insurance?
It’s advisable to opt for the maximum liability coverage within your budget, with 100/300/100 generally being the optimal level for the majority of drivers. To ensure your vehicle is fully protected, consider adding comprehensive, collision, and gap insurance to your policy.
To learn more, explore our comprehensive resource on “Insurance Quotes Online.”
What does Acura RL stand for?
Introduced in 1996, the RL took over as Acura’s premier sedan, a role it maintained for 14 years, succeeding the Legend. The initials “RL” represent “Refined Luxury.”
How much is a new Acura RL?
The second-generation Acura RL is enjoyable to drive, yet it didn’t fully merit its original $50,000 price tag due to its lack of luxury features. Its 300-horsepower V6 engine offers robust performance and reasonable fuel efficiency, which is notable considering it comes with standard all-wheel drive.
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Daniel Walker
Licensed Insurance Agent
Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring tha...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
