Cheap Quotes for Acura RL Insurance in Los Angeles

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Insurance for Acura RLDo you think you bought overpriced Acura RL insurance in Los Angeles? You're preaching to the choir because you're not alone.

It's a fact that insurance companies want to keep your business as long as possible. Consumers who shop for lower rates are inclined to switch insurance companies because of the high probability of finding a lower-priced policy. A survey found that drivers who shopped around every year saved an average of $3,400 over four years compared to people who never compared other company's rates.

If finding the best price on Acura RL insurance is your goal, then understanding how to get free comparison quotes and analyze coverage rates can help you be more efficient. Vehicle owners have so many auto insurance companies to choose from, and even though it's nice to be able to choose, more choices can make it harder to get the best deal for Acura RL insurance in Los Angeles.

Buying the cheapest insurance in Los Angeles seems hard but is not really that difficult. If you have a current insurance policy or want to find a cheaper company, you can follow these tips to get lower rates and still get good coverage. Drivers only need an understanding of the quickest way to find the lowest price online.

Affordable companies for Acura RL insurance

The companies shown below are our best choices to provide comparison quotes in Los Angeles, CA. If the list has multiple companies, we suggest you compare several of them to find the lowest car insurance rates.

Acura RL coverage analysis

The information displayed below highlights detailed analysis of insurance policy prices for Acura RL models. Understanding how insurance prices are figured helps drivers make informed decisions when comparing rate quotes.

Acura RL Insurance Rates in Los Angeles, CA
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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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in specific location information which can change coverage prices substantially.

Physical damage deductibles: Should you raise them?

When shopping for auto insurance, a common question is which comprehensive and collision deductibles to buy. The rates shown below determine how much more rates are when you buy lower versus higher physical damage coverage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Acura RL insurance premium estimates 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 premium estimates 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 Customized Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Prices do not factor in zip code location which can raise or lower premiums considerably.

Based on the above data, using a $100 deductible costs roughly $43 more each month or $516 a year than quoting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 9 months between claim filings, you would more than likely save some money if you opt for a higher deductible.

Gender-based auto insurance rates

The illustration below illustrates the difference between Acura RL auto insurance costs for male and female drivers. The data is based on no driving violations, no at-fault accidents, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Score discounts to get cheaper Los Angeles insurance rates

Companies offering auto insurance do not list every discount very clearly, so the list below gives a summary of a few of the more well known and also the lesser-known discounts that may be available.

  • Distant Student Discount - Older children who are attending college and do not take a car to college could qualify for this discount.
  • Discount for Low Mileage - Maintaining low annual mileage could earn discounted insurance rates on garaged vehicles.
  • Accident Waiver - This isn't a discount exactly, but companies like Liberty Mutual, GEICO and Allstate will turn a blind eye to one accident before raising your premiums if you have no claims for a specific time period.
  • Sign Early and Save - Some insurance companies give discounts for switching companies prior to your current RL insurance policy expiration. The savings is around 10%.
  • Driver Training Discounts - Taking part in a course in safe driver could possibly earn you a 5% discount and easily pay for the cost of the class.
  • No Claims - Insureds who avoid accidents and claims get the best insurance rates when compared with policyholders that have many claims.
  • Multi-car Discount - Having several vehicles with one company can get a discount for every vehicle.
  • Discounts for Seat Belt Usage - Drivers who always wear seat belts and also require passengers to use their safety belts can save a little off PIP or medical payments premium.
  • Memberships - Affiliation with a professional or civic organization can get you a small discount on your next insurance statement.
  • Full Payment Discount - If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.

Keep in mind that most credits do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. Despite the appearance that adding up those discounts means a free policy, insurance companies wouldn't stay in business. Any amount of discount should definitely cut your policy premiums.

The diagram below visualizes the comparison of Acura RL insurance premiums with and without some available policy discounts. The data is based on a female driver, no claims or violations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, multi-car, homeowner, and marriage discounts applied.

A partial list of companies that may offer quotes with some of the discounts shown above possibly include:

If you need lower rates, check with every company what discounts are available to you. All car insurance discounts may not be offered in every state. To choose insurance companies with the best discounts in Los Angeles, follow this link.

Exclusive versus independent insurance agents

A lot of people just prefer to talk to an insurance agent and that is just fine! Experienced insurance agents can help you build your policy and help you file claims. One of the best bonuses of price shopping on the web is the fact that you can find cheap rate quotes and also buy local.

Insurance agency in Los AngelesFor easy comparison, once you complete this short form, your insurance data gets sent to participating agents in Los Angeles that give free quotes for your coverage. It simplifies rate comparisons since you won't have to find an agent on your own due to the fact that quote results will go to you directly. If you want to compare prices from one company in particular, don't hesitate to go to their quote page to submit a rate quote request.

Choosing an insurer shouldn't rely on just a cheap price. Agents should be asked these questions:

  • Do the companies they represent have a solid financial rating?
  • Is every driver in your family covered?
  • In the event of vehicle damage, can you pick the collision repair facility?
  • Has the agent ever had any license suspensions?
  • If you are a high risk driver, do they have special markets for your coverage?

Exclusive and independent Los Angeles auto insurance agents

If you are searching for a good insurance agency, it can be helpful to understand the different agency structures and how they work. Agencies in Los Angeles are either independent or exclusive depending on the company they work for. Either one can insure your vehicles, but it is important to understand the difference in how they write coverage because it may have an impact on your agent selection.

Exclusive Auto Insurance Agencies

These agents generally can only insure with one company like Allstate and State Farm. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agencies receive a lot of sales training on their products and sales techniques which can be an advantage.

Listed below are exclusive agencies in Los Angeles that are able to give price quotes.


2727 W Olympic Blvd #102 - Los Angeles, CA 90006 - (213) 480-3377 - View Map


628 N Vermont Ave Ste 12 - Los Angeles, CA 90004 - (213) 383-5120 - View Map


3824 Crenshaw Blvd - Los Angeles, CA 90008 - (323) 293-9990 - View Map

More Los Angeles agents

Independent Agents (or Brokers)

Agents that elect to be independent are not limited to a single company so they can quote policies through lots of different companies and help determine which has the cheapest rates. If they find a cheaper price, the business is moved internally which makes it simple for you. When comparing rates, it's a good idea to include multiple independent agents to get the most accurate price comparison.

The following are independent insurance agencies in Los Angeles that are able to give comparison quotes.


6108 Venice Blvd - Los Angeles, CA 90034 - (310) 451-4943 - View Map


4221 Wilshire Blvd #222 - Los Angeles, CA 90010 - (323) 934-8160 - View Map


11611 San Vicente Blvd #515 - Los Angeles, CA 90049 - (310) 820-5200 - View Map

More Los Angeles agents

Quote more and you will save more

When you buy Los Angeles auto insurance online, you should never sacrifice coverage to reduce premiums. In too many instances, drivers have reduced physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to buy a smart amount of coverage at the best cost, but do not skimp to save money.

Cheaper Acura RL insurance in Los Angeles is definitely available on the web as well as from independent agents in Los Angeles, and you should compare rates from both so you have a total pricing picture. Some insurance companies do not offer price quotes online and many times these regional carriers work with local independent agents.

More tips and info about car insurance is available by following these links: