Cheapest Quotes for Acura RL Insurance in Santa Ana

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A study showed that nearly 70% of customers kept their coverage with the same insurance company for well over three years, and roughly 40% of drivers have never compared rate quotes at all. Santa Ana drivers can save approximately 35% each year, but they just don't understand the actual amount they would save if they bought a different policy.

Insurance rates Acura RL in Santa AnaIf saving money is your primary concern, then the best way to get more affordable car insurance rates in Santa Ana is to regularly compare price quotes from insurers who can sell car insurance in California.

  1. Gain an understanding of auto insurance and the changes you can make to keep rates down. Many rating factors that cause rate increases such as traffic violations and a not-so-good credit score can be improved by making lifestyle changes or driving safer. Continue reading for additional tips to get low prices and get additional discounts.
  2. Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive and State Farm, while independent agencies can quote prices for a wide range of insurance providers. Compare rates
  3. Compare the new rate quotes to your current policy and see if there is a cheaper rate in Santa Ana. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide written notification to your current company to cancel your current policy. Submit a completed application and payment for the new policy. As soon as you can, safely store the certificate verifying proof of insurance in an easily accessible location in your vehicle.

One important bit of advice is to use the same liability limits and deductibles on each quote request and and to compare as many auto insurance providers as possible. Doing this helps ensure an accurate price comparison and the best price quote selection.

Acura RL insurance charts and tables

The rate table shown below highlights different insurance rates for Acura RL models. Learning a little about how rates are formulated can assist in making smart choices when selecting a coverage provider.

Acura RL Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $428 $876 $596 $36 $178 $2,114 $176
RL 3.7 with Tech Package $428 $876 $596 $36 $178 $2,114 $176
RL 3.7 with Tech/CMBS Package $428 $876 $596 $36 $178 $2,114 $176
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in Santa Ana location which can impact coverage rates greatly.

Higher deductibles save money

When buying auto insurance, a common question is how high should your deductibles be. The rates shown below outline the premium difference of buying low and high physical damage coverage deductibles. The first data table uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.

Acura RL insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $528 $1054 $442 $26 $132 $2,207 $184
RL 3.7 with Tech Package $528 $1054 $442 $26 $132 $2,207 $184
RL 3.7 with Tech/CMBS Package $528 $1054 $442 $26 $132 $2,207 $184
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Acura RL insurance rates 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
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Estimates do not factor in specific Santa Ana garaging location which can raise or lower auto insurance rates greatly.

We can derive from the above data that using a $100 deductible costs roughly $43 more each month or $516 each year averaged for all RL models than selecting the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have at least 9 months between claims, you would come out ahead if you opt for a higher deductible.

The diagram below shows how choosing a deductible and can raise or lower Acura RL insurance costs for different ages of insureds. The rate quotes are based on a single female driver, full coverage, and no other discounts are factored in.

Gender differences in auto insurance premiums

The illustration below compares Acura RL insurance prices for male and female drivers. The data is based on a clean driving record, no at-fault accidents, comp and collision included, $250 deductibles, single status, and no policy discounts are applied.

Rate comparison of full coverage and liability-only

The diagram below visualizes the comparison of Acura RL car insurance costs with full coverage compared to only the California minimum liability coverage. The prices are based on no claims or driving citations, $100 deductibles, single status, and no discounts are taken into consideration.

When to stop buying physical damage coverage

There is no clear-cut rule of when to drop full coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Acura RL book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $8,000 after paying your policy deductible. If you are paying over $800 annually for full coverage, then you may need to consider dropping full coverage.

There are some scenarios where removing full coverage is not advised. If you still have a lienholder on your title, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Determine discounts to get cheap Santa Ana auto insurance rates

Auto insurance is not cheap nor is it fun to buy but you can get discounts that you may not know about. A few discounts will be applied when you complete an application, but occasionally some discounts must be specially asked for prior to getting the savings. If you are not receiving all the discounts you deserve, you are not getting the best rate possible.Discount auto insurance

  • Anti-lock Brakes - Cars with anti-lock braking systems are much safer to drive and will save you 10% or more on RL insurance in Santa Ana.
  • Drivers Education - It's a good idea to have your young drivers take driver's ed class in school or through a local driver safety program.
  • Driver Training Discounts - Participating in a class that teaches safe driver techniques could cut 5% off your bill depending on where you live.
  • Own a Home - Simply owning a home can help you save on auto insurance since home ownership shows financial diligence.
  • Pay Upfront and Save - By making one initial payment instead of monthly or quarterly installments you could save 5% or more.
  • Claim Free - Drivers with accident-free driving histories get the best auto insurance rates when compared with drivers who are more careless.
  • E-sign - Some of the larger companies give back up to $50 shop Santa Ana auto insurance over the internet.
  • Low Mileage - Maintaining low annual mileage could qualify for better premium rates on cars that stay parked.
  • Save with More Vehicles Insured - Insuring several vehicles on a single policy can reduce the rates for all insured vehicles.

One last thing about discounts, most discount credits are not given to the entire cost. Some only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it just doesn't work that way. Any qualifying discounts will help reduce your policy cost.

The information below shows the comparison of Acura RL annual premium costs with and without discounts applied to the rates. The information is based on a male driver, a clean driving record, no claims, California state minimum liability limits, full 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, marriage, multi-policy, claim-free, safe-driver, and homeowner discounts applied.

A partial list of companies that may have these discounts include:

If you need lower rates, check with all companies you are considering which discounts can lower your rates. Discounts may not apply in Santa Ana.

Specific coverages for an Acura RL

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring.

Uninsured or underinsured coverage - This coverage gives you protection from other motorists when they are uninsured or don't have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle's damage.

Since many California drivers only carry the minimum required liability limits (California limits are 15/30/5), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Medical expense coverage - Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like doctor visits, dental work, X-ray expenses and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive protection - Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, hitting a bird and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Collision coverage - Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a mailbox, crashing into a ditch and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible on your RL in order to get cheaper collision rates.

Liability car insurance - This provides protection from injuries or damage you cause to other people or property that is your fault. This coverage protects you from legal claims by others, and doesn't cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 15/30/5 which means $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a total limit of $5,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like pain and suffering, attorney fees, court costs and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as large an amount as possible. California state law requires minimum liability limits of 15/30/5 but it's recommended drivers buy more coverage.

The next chart shows why low liability limits may not be high enough to adequately cover claims.

More comparisons equals cheaper rates

When searching for inexpensive Santa Ana auto insurance quotes, never reduce coverage to reduce premium. There are many occasions where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. Your strategy should be to buy enough coverage at the best possible price, but don't skip important coverages to save money.

Budget-friendly car insurance in Santa Ana can be sourced from both online companies as well as from independent agents in Santa Ana, so you need to shop Santa Ana auto insurance with both in order to have the best price selection to choose from. A few companies may not provide online price quotes and these small, regional companies sell through local independent agents.

We just presented some good ideas how to get a better price on Acura RL insurance in Santa Ana. The key concept to understand is the more quotes you get, the higher your chance of finding the cheapest Acura RL rate quotes. Consumers could even find that the most savings is with a small mutual company.

Much more information about car insurance in California can be found below: