Acura RL Insurance Quotes in Boston

We don’t have to point out that fact that insurance companies don’t want policyholders to compare prices from other companies. Drivers who compare other prices will probably move their business because there is a good probability of finding discount prices. A recent study showed that consumers who make a habit of shopping around saved as much as $850 each year compared to other drivers who didn’t regularly shop around.

If finding the lowest price on car insurance in Boston is your objective, then having some knowledge of how to choose a company and compare insurance can help you be more efficient.

It takes a few minutes, but the best way to find affordable quotes for Acura RL insurance in Boston is to regularly compare prices from providers who sell auto insurance in Massachusetts.

1. Get a basic knowledge of what coverages are included in your policy and the things you can change to keep rates low. Many rating criteria that drive up the price such as tickets, at-fault accidents, and a poor credit score can be eliminated by being financially responsible and driving safely.
2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive or Allstate, while independent agents can quote rates from multiple insurance companies. Click to view companies
3. Compare the price quotes to your existing rates and see if you can save money. If you find better rates and decide to switch, make sure coverage does not lapse between policies.
4. Notify your agent or company to cancel your existing policy. Submit the signed application along with the required initial payment to the new company. Immediately upon receiving it, put the new proof of insurance certificate in your vehicle.

An essential thing to point out is that you’ll want to compare identical limits and deductibles on every price quote and and to get prices from as many auto insurance providers as possible. Doing this provides a fair price comparison and the best price selection.

Learn How to Get Insurance Cheaper

One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that come into play when calculating insurance rates. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in cheaper rates.

• Insure your auto and home with one company – The majority of insurance companies will award better rates to policyholders who carry more than one policy. It’s known as a multi-policy discount. Even with this discount, drivers will still want to shop around to help ensure you have the lowest rates.
• Do safer cars cost less to insure? – Vehicles with high crash test scores can get you lower premiums. Highly rated vehicles protect occupants better and reduced instances of injuries translates into fewer and smaller insurance claims and thus lower rates. If your Acura has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.

• Get a ticket, pay higher rates – Being a careful driver has a huge affect on how much you pay. Even a single speeding ticket may cause rates to rise by as much as twenty percent. Attentive drivers pay lower auto insurance prices compared to bad drivers. Drivers unfortunate enough to have serious citations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 form to the state department of motor vehicles in order to legally drive.

  The chart below illustrates how violations and at-fault fender-benders can drive up Acura RL insurance rates for different age groups. The data assumes a single female driver, full coverage, $250 deductibles, and no discounts are applied.

• The more you drive the more you pay – Driving more miles each year the more you will pay for insurance. Almost all companies calculate prices based upon how much you drive. Vehicles that do not get driven very much receive better premium rates than cars that get driven a lot. Improper usage on your RL may be wasting your money. Make sure your policy correctly shows the correct driver usage.

• Loss probability for an Acura RL – Insurance companies factor in insurance loss information when they set coverage costs for each model. Vehicles that the data shows to have a trend towards higher claim severity or frequency will have a higher premium rate. The table below illustrates the collected loss data for Acura RL vehicles.

  For each policy coverage type, the loss probability for all vehicles combined as an average is represented as 100. Numbers that are below 100 mean the vehicle has better than average losses, while values over 100 indicate more frequent claims or tendency to have larger claims.

  
  

  Acura RL Insurance Loss Statistics

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Acura RLX 4dr	128	63	179	82

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

Acura RL insurance charts and tables

The coverage information displayed below showcases a range of coverage prices for Acura RL models. Having a better idea how policy rates are formulated can help you make decisions when shopping around.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can decrease or increase premiums substantially.

Rate comparison for different deductibles

One of the hardest decisions when shopping for insurance is how high should the deductibles for physical damage be. The figures shown below can help show the differences in premium rates when you select higher and lower coverage deductibles. The first set of prices uses a $250 deductible and the second rate chart uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rates do not factor in Boston location which can revise insurance rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you about $18 more each month or $216 for a full year than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 14 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

Age, gender, and Acura RL insurance

The chart below illustrates the comparison of Acura RL insurance costs for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are applied to the premium.

Full coverage or liability only

The chart below visualizes 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 or driving citations, $500 deductibles, drivers are single, and no policy discounts are applied.

When to drop comprehensive and collision

There is no definitive formula for phasing out comp and collision coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s pretend your Acura RL replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after the deductible is paid. If you are currently paying more than $500 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where eliminating full coverage is not a good idea. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

You may qualify for discounts for Acura RL insurance in Boston

Companies that sell car insurance do not advertise every possible discount very clearly, so here is a list some of the more common as well as some of the hidden discounts that you may qualify for.

• Telematics Devices – Insureds that choose to allow their company to monitor driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they exhibit good driving behavior.
• Defensive Driver Discounts – Taking a safe driver course can save you 5% or more and also improve your driving technique.
• Drivers Ed for Students – Teen drivers should enroll and complete driver’s education in school or through a local driver safety program.
• Seat Belt Discounts – Forcing all vehicle occupants to buckle up before driving can save up to 15% on medical payment and PIP coverage.
• Good Student – A discount for being a good student can save 20 to 25%. You can use this discount normally until age 25.
• Early Switch Discount – A few larger companies allow discounts for switching companies prior to your current RL insurance policy expiring. This can save 10% or more.
• Safe Driver Discount – Insureds without accidents can save up to 40% or more on their Boston car insurance quote as compared to drivers with claims.
• Active Service Discounts – Being deployed in the military could qualify you for better rates.
• Online Discount – A few larger online companies give back up to $50 for signing up on the internet.
• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance too.

One last thing about discounts, most credits do not apply to the entire cost. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.

The information below illustrates the comparison of Acura RL insurance costs with and without discounts being applied to the rates. The rates are based on a female driver, a clean driving record, no at-fault accidents, Massachusetts state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, multi-car, marriage, and homeowner discounts applied.

Popular insurance companies and their offered discounts are:

• GEICO may have discounts that include military active duty, five-year accident-free, seat belt use, driver training, anti-lock brakes, and daytime running lights.
• MetLife may include discounts for accident-free, defensive driver, multi-policy, claim-free, and good driver.
• Progressive has discounts for good student, online quote discount, multi-vehicle, continuous coverage, online signing, and homeowner.
• Travelers policyholders can earn discounts including early quote, student away at school, multi-car, hybrid/electric vehicle, and payment discounts.
• SAFECO discounts include homeowner, safe driver, multi-car, bundle discounts, and anti-lock brakes.
• AAA has savings for good driver, multi-policy, anti-theft, pay-in-full, and multi-car.

Before purchasing a policy, check with every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts might not apply in every state. To see providers that provide some of the discounts listed above in Boston, click here.

Massachusetts auto insurance companies ranked

Buying coverage from the right insurance provider can be challenging considering how many choices you have in Boston. The company rank data below can help you choose which companies to look at when comparing rate quotes.

Top 10 Boston Car Insurance Companies Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. State Farm
5. GEICO
6. Titan Insurance
7. Nationwide
8. Allstate
9. The General
10. 21st Century

Top 10 Boston Car Insurance Companies Overall

1. The General
2. Mercury Insurance
3. Titan Insurance
4. The Hartford
5. Progressive
6. Travelers
7. State Farm
8. Farmers Insurance
9. Safeco Insurance
10. USAA

Cheaper insurance is a realistic goal

We’ve covered some good ideas how to reduce Acura RL insurance premium rates online in Boston. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding low cost Boston car insurance quotes. You may even discover the lowest premium rates come from the least-expected company. These smaller insurers may only write in your state and offer lower prices as compared to the big name companies such as State Farm, GEICO and Nationwide.

Discount Acura RL insurance in Boston is possible on the web and from local agencies, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not offer internet price quotes and many times these smaller providers only sell coverage through independent agents.

For more information, take a look at these articles:

• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
• Who Has Affordable Car Insurance Quotes for a Jeep Grand Cherokee in Boston? (FAQ)
• Who Has the Cheapest Boston Auto Insurance Quotes for a Ford Fusion? (FAQ)
• How do I File a Claim? (Insurance Information Institute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Choosing a Car for Your Teen (State Farm)