Best Insurance for an Acura RL in San Diego

Discount Acura RL insuranceAre you at wits end from not being able to afford each month for auto insurance? You are in the same boat as many other California consumers.

Astonishng but true according to a recent study, the vast majority of auto insurance customers have remained with the same auto insurance company for at least four years, and about 40% of consumers have never even shopped around for cheaper coverage. With the average premium in California being $1,400, drivers can save hundreds of dollars each year by just comparing quotes, but they just don’t understand the big savings they would realize if they switched to a more affordable policy. Since you have so many online and local companies to choose from, it’s nearly impossible to locate the most affordable insurance company.

The following companies offer quotes in San Diego, CA. If several companies are displayed, we recommend you visit as many as you can in order to find the most affordable rates.

Acura RL Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $454 $998 $574 $34 $172 $2,232 $186
RL 3.7 with Tech Package $526 $1086 $596 $36 $178 $2,422 $202
RL 3.7 with Tech/CMBS Package $600 $1054 $578 $34 $174 $2,440 $203
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in specific garaging location which can affect rates noticeably.

Deductible comparison

When buying auto insurance, a common question is how high should the physical damage coverage deductibles be. The rates below can help show the price difference between high and low physical damage coverage deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Acura RL insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $474 $882 $442 $26 $132 $1,981 $165
RL 3.7 with Tech Package $474 $882 $442 $26 $132 $1,981 $165
RL 3.7 with Tech/CMBS Package $474 $882 $442 $26 $132 $1,981 $165
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Acura RL insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $384 $712 $442 $26 $132 $1,696 $141
RL 3.7 with Tech Package $384 $712 $442 $26 $132 $1,696 $141
RL 3.7 with Tech/CMBS Package $384 $712 $442 $26 $132 $1,696 $141
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate information does not factor in your specific San Diego location which can lower or raise coverage rates substantially.

Based on the above data, using a $250 deductible would cost the average driver about $24 more each month or $288 a year than selecting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 10 months between claims, you would most likely save money going with the higher deductible.

Comparison of full coverage and liability-only policies

The information below illustrates the difference between Acura RL car insurance costs with and without full coverage. The premiums are based on no violations or claims, $100 deductibles, married male driver, and no other discounts are factored in.

When to eliminate full coverage

There is no clear-cut formula to exclude full coverage, but there is a general school of thought. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Acura RL replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $2,000 after the deductible is paid. If it’s costing in excess of $200 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are a few cases where removing full coverage is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Auto insurance deductibles

The chart below illustrates how choosing a deductible and can impact Acura RL insurance premiums for different age groups. Data assumes a single female driver, full coverage, and no discounts are applied.

Three reasons to not skimp on auto insurance

Despite the potentially high cost of Acura RL insurance, auto insurance is most likely required but also gives you several important benefits.

The benefits of insuring your car outweigh the cost, especially with large liability claims. The average driver in America is overpaying more than $700 annually so smart consumers compare quotes once a year at a minimum to ensure rates are competitive.

Informed Decisions Result in Lower Insurance Premiums

Lots of things are part of the equation when you get your auto insurance bill. Some are pretty understandable such as traffic violations, although some other factors are more obscure like your continuous coverage or your financial responsibility.

Save money with these rate reducing discounts

The cost of insuring your cars can be expensive, but there could be available discounts to cut the cost considerably. Certain reductions will be credited at the time of purchase, but a few must be asked about before they will apply.Insurance discounts

You can save money using discounts, but some credits don’t apply to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will positively reduce the cost of your policy.

A few popular companies and some of the premium reductions they offer are:

If you need lower rates, check with every prospective company to give you their best rates. Discounts might not be offered on policies in San Diego. To choose insurers that offer the discounts shown above in California, click here.

Local San Diego insurance agencies

A small number of people just want to buy from a licensed agent. Good insurance agents can answer important questions and will help you if you have claims. The biggest benefit of getting free rate quotes online is that drivers can save money and get lower rates and still have a local agent.

Insurance agents in San DiegoAfter completing this form (opens in new window), the coverage information is submitted to participating agents in San Diego who can give free rate quotes for your insurance coverage. It’s much easier because you don’t need to search for an agent since rate quotes are delivered to you. In the event you want to get a comparison quote from a particular provider, feel free to go to their quote page and give them your coverage information.

Picking the best company needs to be determined by more than just a cheap price. Any agent in San Diego should be forthright in answering these questions:

Below are San Diego auto insurance companies that may be willing to give price quotes for Acura RL insurance in San Diego.

12880 Rancho Penasquitos Blvd dSan Diego, CA 92129(858) 484-1297View Map

12925 El Camino Real, Ste J26San Diego, CA 92130(858) 481-0401View Map

8680 Navajo Rd #214San Diego, CA 92119(619) 462-5701View Map

4619 Convoy St # CSan Diego, CA 92111(858) 569-0383View Map

View more San Diego agents

Compare but don’t skimp

We covered many ways to find cheap Acura RL insurance in San Diego. The key concept to understand is the more rate comparisons you have, the higher your chance of finding affordable San Diego auto insurance quotes. You may even discover the most savings is with some of the lesser-known companies. These smaller insurers may often insure only within specific states and give better rates as compared to the big name companies such as State Farm or Progressive.

When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where someone dropped uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. The ultimate goal is to buy the best coverage you can find at the best cost, not the least amount of coverage.

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