Auto Insurance Quotes for an Acura RL in Indianapolis

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It's astonishing, but a large majority of drivers have purchased from the same company for at least the last four years, and practically 40% of car insurance customers have never compared rates with other companies. Indiana drivers could save 55% every year just by comparing rates, but they just assume it takes a lot of time to shop around.

Insurance for Acura RLThe easiest way to find more affordable Acura RL insurance is to regularly compare quotes from providers in Indianapolis.

  • First, try to learn a little about the different coverages in a policy and the measures you can take to keep rates in check. Many risk factors that are responsible for high rates such as accidents, careless driving, and a bad credit score can be amended by making lifestyle changes or driving safer. This article provides ideas to prevent expensive rate increases and find possible discounts that are available.
  • Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like Progressive or State Farm, while independent agencies can quote prices for a wide range of companies.
  • Third, compare the price quotes to your existing coverage to see if cheaper RL coverage is available. If you find a lower rate and decide to switch, ensure coverage does not lapse between policies.
  • Fourth, give proper notification to your current agent or company to cancel your current policy and submit a down payment and signed policy application to the newly selected company. Immediately upon receiving it, keep your new proof of insurance paperwork in an easily accessible location in your vehicle.

One key aspect of rate comparisons is to try to compare the same liability limits and deductibles on every price quote and and to get price estimates from as many companies as you can. Doing this guarantees an apples-to-apples comparison and a complete selection of prices.

Best Acura RL insurance price quotes in Indiana

The companies shown below provide price quotes in Indianapolis, IN. If multiple providers are shown, it's highly recommended you click on several of them in order to get a fair rate comparison.

Acura RL insurance rates and statistics

The coverage information displayed below outlines detailed analysis of rate quotes for Acura RL models. Learning a little about how auto insurance premiums are figured can help guide drivers when making smart choices when comparing insurance rates.

Acura RL Insurance Rates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $182 $406 $340 $20 $102 $1,050 $88
RL 3.7 with Tech Package $182 $406 $340 $20 $102 $1,050 $88
RL 3.7 with Tech/CMBS Package $182 $406 $340 $20 $102 $1,050 $88
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in specific Indianapolis garaging location which can increase or decrease prices greatly.

How high should deductibles be?

One of the more difficult decisions when buying insurance is how high or low should comp and collision deductibles be. The comparisons below outline the rate fluctuation when you select higher and lower coverage deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second price grid uses a $500 deductible.

Acura RL insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $300 $562 $280 $16 $84 $1,267 $106
RL 3.7 with Tech Package $300 $562 $280 $16 $84 $1,267 $106
RL 3.7 with Tech/CMBS Package $300 $562 $280 $16 $84 $1,267 $106
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Acura RL insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $244 $452 $280 $16 $84 $1,076 $90
RL 3.7 with Tech Package $244 $452 $280 $16 $84 $1,076 $90
RL 3.7 with Tech/CMBS Package $244 $452 $280 $16 $84 $1,076 $90
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Information does not factor in specific location which can decrease or increase coverage prices greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $16 more each month or $192 annually than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 16 months between claim filings, you would more than likely save some money if you choose the higher deductible. The table below shows an example of how you can decide this on your own policy.

Average monthly premium for $250 deductibles: $106
Average monthly premium for $500 deductibles (subtract): - $90
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One important note is that raising deductibles means you will have to cover more of the damage yourself when you have a physical damage claim. It will be required that you have enough money put aside in order to pay the deductible.

The example below illustrates how choosing a deductible and can increase or decrease Acura RL insurance prices for each different age group. The premiums are based on a single male driver, comp and collision included, and no discounts are taken into consideration.

Companies offer money-saving discounts on Acura RL insurance in Indianapolis

Car insurance companies do not advertise every discount very clearly, so the below list has a few of the more well known in addition to some of the lesser obvious discounts that may be available. If you are not receiving all the discounts possible, you may be paying too high a price.Discount auto insurance

  • Active Service Discounts - Being on active duty in the military could qualify you for better rates.
  • Driver's Ed - Require your teen driver to successfully complete driver's ed class in school.
  • Discounts for Government Workers - Simply working for the federal government could provide a small rate reduction depending on your auto insurance provider.
  • Seat Belt Discounts - Drivers who require all vehicle occupants to fasten their seat belts could save 15% off the personal injury premium cost.
  • Defensive Driver Discounts - Taking a defensive driving class is a good idea and can lower rates and also improve your driving technique.
  • Telematics Discount - Policyholders that allow companies to scrutinize where and when they drive by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they exhibit good driving behavior.
  • Club Memberships - Being a member of specific professional or occupational memberships or organizations could qualify you for a break when shopping for auto insurance.
  • Distant Student - Children who are enrolled in higher education away from home and do not have access to a covered vehicle may qualify for this discount.
  • Passenger Safety Discount - Options like air bags or automatic seat belts can receive discounts as much as 30%.
  • Accident Free - Drivers who don't have accidents pay less as opposed to insureds who have frequent claims or accidents.

As is typical with insurance, many deductions do not apply to the whole policy. Most only apply to specific coverage prices like comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, it just doesn't work that way.

The chart below visualizes the comparison of Acura RL premium costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no claims or driving violations, Indiana state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, multi-policy, safe-driver, and multi-car discounts applied.

A few popular companies and some of their more popular discounts are:

  • GEICO may offer discounts for good student, multi-vehicle, driver training, daytime running lights, and anti-theft.
  • Mercury Insurance policyholders can earn discounts including ease of repair, multi-car, type of vehicle, low natural disaster claims, good student, multi-policy, and professional/association.
  • Farmers Insurance may include discounts for business and professional, early shopping, alternative fuel, switch companies, distant student, good student, and electronic funds transfer.
  • Auto-Owners Insurance may have discounts that include safe vehicle, teen driver, safe driver, air bags, anti-lock brakes, and good student.
  • Liberty Mutual has savings for new vehicle discount, newly retired, teen driver discount, multi-policy, new move discount, and new graduate.
  • SAFECO offers premium reductions for anti-theft, accident prevention training, drive less, safe driver, and teen safe driver.
  • Progressive includes discounts for good student, multi-policy, homeowner, multi-vehicle, and online signing.
  • USAA offers discounts for loyalty savings, new vehicle, defensive driver, vehicle storage, safe driver, and annual mileage.

If you need affordable Acura RL insurance quotes, ask all the companies how many discounts you can get. Some discounts listed above might not apply in Indianapolis.

How to know if you need help

When quoting and choosing adequate coverage, there is no single plan that fits everyone. You are unique so this has to be addressed.Drive safe and save Here are some questions about coverages that may help you determine whether you may require specific advice.

  • How much cheaper are high deductibles?
  • Why am I required to buy high-risk coverage?
  • How high should my medical payments coverage be?
  • Am I covered if I break a side mirror?
  • Should I rate my Acura RL as pleasure use or commute?
  • What does roadside assistance cover?
  • What exactly is covered by my policy?
  • When can my company non-renew my policy?
  • When does my teenage driver need to be added to my policy?
  • Does car insurance cover theft of personal property?

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Do I need an agent?

Some people just want to get professional advice from a licensed agent and that is just fine! Agents will help you protect your assets and help submit paperwork. One of the benefits of comparing car insurance online is that you can find better rates and also buy local. Buying from local insurance agents is important particularly in Indianapolis.

Indianapolis insurance agentsTo find an agent, once you fill out this quick form, the coverage information is emailed to insurance agents in Indianapolis who can give free rate quotes for your car insurance coverage. You never need to contact an agency since rate quotes are delivered immediately to you. If you need to compare rates from a particular provider, just find their quoting web page and fill out the quote form the provide.

Picking the best insurer requires more thought than just the price. A good agent in Indianapolis will have answers to these questions.

  • Where would your vehicle be repaired?
  • Do they offer rental car reimbursement?
  • If they are an independent agency in Indianapolis, which companies do they recommend?
  • How is replacement cost determined on your vehicle?
  • How long has their agency been in business in Indianapolis?

Auto insurance specifics

Having a good grasp of your policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. These are the normal coverages offered by auto insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle and falling objects. The maximum payout you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists are uninsured or don't have enough coverage. Covered losses include injuries sustained by your vehicle's occupants as well as damage to your Acura RL.

Since many Indiana drivers have only the minimum liability required by law (which is 25/50/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Collision coverage protection

This coverage covers damage to your RL resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like driving through your garage door, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It's also possible to increase the deductible on your RL to bring the cost down.

Auto liability insurance

Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/10 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like pain and suffering, medical expenses, court costs, attorney fees and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible. Indiana requires drivers to carry at least 25/50/10 but it's recommended drivers buy more coverage.

The illustration below shows why buying minimum limits may not provide adequate coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for chiropractic care, X-ray expenses, funeral costs and doctor visits. They are used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Cheaper auto insurance premiums are possible

Affordable Acura RL insurance in Indianapolis can be purchased on the web and from local insurance agents, and you need to price shop both to have the best rate selection. A few companies may not offer internet price quotes and many times these smaller companies work with local independent agents.

As you quote Indianapolis car insurance, it's very important that you do not skimp on coverage in order to save money. There are a lot of situations where an insured cut full coverage only to discover later that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

More detailed auto insurance information can be found in the articles below: