How to Save on Atlanta Acura RL Insurance

How long has it been since you sat down and looked for cheaper Acura RL insurance in Atlanta? There isn’t a single person who rejoices having to buy insurance, particularly when it costs too dang much.

A recent NerdWallet.com study revealed that a large majority of consumers have bought insurance from the same company for well over three years, and just under half have never compared quotes from other companies. Georgia drivers could pocket roughly 60% a year by just comparing rate quotes, but most tend to underestimate the large savings they would see if they changed companies. Since you have so many choices of insurance companies that have affordable insurance for an Acura RL in Atlanta, it’s nearly impossible to locate a lower cost insurance company.

This article’s goal is to let you in on the most effective ways to compare rates and also pocket some savings If you have car insurance now, you will definitely be able to find the best rates using these techniques. Comparison shoppers only need to know the proper methods to quote multiple rates using one simple form.

Shop Acura RL insurance online

Most major insurance companies allow you to get coverage prices direct online. Doing online price comparisons for Acura RL insurance in Atlanta doesn’t take much effort as you simply type in your coverage information into the quote form. When complete, their rating system will obtain reports for credit and driving violations and quotes a price based on these and other factors. Getting online quotes for Acura RL insurance in Atlanta streamlines rate comparisons, and it’s very important to compare as many rates as possible in order to find lower-cost prices.

If you want to compare pricing, compare rates now from the companies shown below. If you have coverage now, it’s recommended you input the insurance coverages exactly as shown on your declarations page. This helps ensure you’re receiving rate quotes for similar insurance coverage.

The companies shown below can provide price quotes in Atlanta, GA. If multiple companies are shown, we recommend you click on several of them to get the best price comparison.

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Table data does not factor in specific location information which can change premium rates greatly.

Males versus Females

The information below shows the difference between Acura RL premium costs for male and female drivers. The price estimates are based on no claims or driving citations, full coverage, $100 deductibles, drivers are single, and no discounts are factored in.

Higher deductibles lower rates

When shopping for car insurance, a common question is where to set your physical damage deductibles. The comparison tables below approximate how much more rates are when you select higher and lower policy deductibles. The first price estimate table uses a $100 physical damage deductible and the second price table uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in vehicle location which can influence premiums significantly.

Based on the above data, using a $100 deductible will cost you roughly $38 more each month or $456 every year than requesting the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go at least 11 months between claim filings, you would probably come out ahead by selecting a higher deductible.

Why you need car insurance

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

First, most states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability protection in order to license the vehicle. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your Acura RL has a loan, more than likely the lender will have a requirement that you buy insurance to guarantee loan repayment. If you default on your policy, the lender will be forced to insure your Acura for a lot more money and force you to pay for the much more expensive policy.

Third, insurance safeguards your car and your assets. It also can pay for hospital and medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of carrying adequate insurance definitely exceed the price paid, especially with large liability claims. Despite what companies tell you, the average driver overpays more than $810 a year so we recommend shopping around each time the policy renews to help ensure money is not being wasted.

Save money by receiving these five discounts

Insuring your vehicles can cost a lot, but there’s a good chance there are discounts that can drop the cost substantially. Many of these discounts will be applied automatically at the time you complete a quote, but lesser-known reductions have to be asked about before being credited.

• College Student – Youth drivers living away from Atlanta attending college and won’t have access to an insured vehicle may be able to be covered for less.
• Memberships – Participating in certain professional organizations is a good way to get lower rates on your next car insurance statement.
• Switch and Save Discount – A few car insurance companies allow discounts for switching to them before your current expiration date. You could save around 10% when you buy Atlanta car insurance online.
• Discount for New Cars – Putting car insurance coverage on a new RL may earn a small discount compared to insuring an older model.
• Include Life Insurance and Save – Not all car insurance companies offer life insurance, but some may give you a discounted price on car insurance if you buy life insurance from them.

As a sidenote, some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts should definitely cut your overall premium however.

If you would like to choose from a list of insurance companies who offer car insurance discounts in Georgia, click this link.

Get rate quotes but work with a local Atlanta insurance agent

A small number of people just want to get professional advice from a licensed agent and doing so can bring peace of mind Professional agents can answer important questions and help in the event of a claim. An additional benefit of comparing rate quotes online is you can get cheap car insurance rates but still work with a licensed agent. Buying from and supporting neighborhood agents is still important in Atlanta.

By using this short form, your coverage information is emailed to insurance agents in Atlanta who will return price quotes for your coverage. It makes it easy because there is no need to leave your house due to the fact that quote results will go to your email. If you want to get a comparison quote from a specific insurance company, you would need to go to their quote page and fill out their quote form.

If you are wanting to find local Atlanta agents, it’s helpful to know the different types of agencies and how they can service your needs differently. Car insurance agents may be either exclusive agents or independent agents. Both types of agents can sell and service car insurance coverage, but it’s worth mentioning how they differ because it can factor into your agent selection.

Independent Car Insurance Agencies

Agents that elect to be independent are not locked into one company so they can quote policies with a variety of different insurance companies and find the cheapest rate. If you want to switch companies, your policy is moved internally without you having to go to a different agency.

When comparing car insurance prices, you will definitely want to get insurance quotes from several independent insurance agents so that you can do a thorough price comparison.

Listed below is a list of independent insurance agents in Atlanta that may be able to give free car insurance quotes.

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Exclusive Agencies

Agents that elect to be exclusive generally can only insure with one company like American Family, State Farm, and AAA. They usually cannot provide rate quotes from other companies so you might not find the best rates. These agents receive a lot of sales training on their company’s products which helps them sell on service rather than price.

Shown below is a list of exclusive insurance agents in Atlanta who can help you get price quote information.

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Choosing a auto insurance agent is decision based upon more than just the bottom line cost. Some important questions to ask are:

• What are their preferred companies if they are an independent agency?
• Do they offer accident forgiveness?
• Is the agent properly licensed in Georgia?
• When do they do policy reviews?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Does the agent help file claims?

Different people need different insurance coverages

When it comes to choosing coverage, there is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions may help highlight if you would benefit from an agent’s advice.

• Is pet coverage available?
• Is my business laptop covered if it gets stolen from my vehicle?
• Is borrowed equipment or tools covered if stolen or damaged?
• What does PIP insurance cover?
• Does my insurance cover my expensive audio equipment?
• How much liability coverage do I need in Georgia?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Are split liability limits better than a combined single limit?
• Are rock-chip repairs free?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Parts of your car insurance policy

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability auto insurance – This can cover damages or injuries you inflict on other’s property or people. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as emergency aid, medical services, bail bonds and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford. Georgia state minimum liability requirements are 25/50/25 but it’s recommended drivers buy better liability coverage.

Comprehensive coverage – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, damage from flooding, falling objects and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverages – Collision insurance will pay to fix damage to your RL caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a ditch, hitting a parking meter, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to raise the deductible on your RL to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Acura RL.

Since a lot of drivers have only the minimum liability required by law (Georgia limits are 25/50/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for bills such as prosthetic devices, rehabilitation expenses and hospital visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Quote more and you will save more

When you buy Atlanta car insurance online, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where an insured dropped collision coverage only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at a price you can afford.

Insureds leave their current company for a variety of reasons including delays in paying claims, high rates after DUI convictions, policy non-renewal and even policy cancellation. Whatever your reason, switching car insurance companies is pretty easy and you might even save some money in the process.

Budget-friendly car insurance in Atlanta can be found on the web and from local insurance agents, so get free Atlanta car insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who do not offer internet price quotes and most of the time these regional carriers only sell coverage through local independent agencies.

Other information

• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance for Felons in Atlanta? (FAQ)
• Who Has Cheap Atlanta Car Insurance Rates for a School Permit? (FAQ)
• Who Has Affordable Auto Insurance for a Dodge Ram in Atlanta? (FAQ)
• How Much are Atlanta Car Insurance Rates for Low Income Drivers? (FAQ)
• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
• Auto Theft Statistics (Insurance Information Institute)