Save on Acura RL Insurance in Cleveland

Finding more affordable Acura RL insurance in Cleveland can seem to be very difficult for drivers not familiar with comparison shopping online. With more and more online companies, it can turn into a real challenge to locate the lowest price in Ohio.

Astonishing but true, the vast majority of car insurance customers have stayed with the same insurance company for well over three years, and nearly 40% of drivers have never compared car insurance rates at all. Many consumers in Ohio could save themselves almost 55% a year just by comparing rates, but they don’t believe how much they could save if they switched to a more affordable policy.

You need to get comparison quotes occasionally because car insurance rates change quite often. Even if you got the lowest premium rates on Acura RL insurance in Cleveland a couple years back the chances are good that you can find a lower price today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the only way to reduce your cost while improving coverage.

How to get Cleveland Acura RL insurance rate quotes

All major insurance companies such as State Farm, GEICO and Progressive give coverage prices on the web. Doing online price comparisons for Acura RL insurance in Cleveland is easy for anyone as you just type in the coverages you want as requested by the quote form. Upon sending the form, their rating system sends out for your driving and credit reports and generates a price based on these factors.

Using the web to get rate quotes for Acura RL insurance in Cleveland helps simplify price comparisons, and it’s very important to get many rate quotes if you want to find a lower rate.

To quickly find out how much you’re overpaying now, compare rates from the companies below. If you have your current policy handy, we recommend you type in your coverages exactly as shown on your declarations page. This guarantees you will have an apples-to-apples comparison for the exact same coverage.

The auto insurance companies shown below provide price quotes in Cleveland, OH. If your goal is to find cheap auto insurance in Ohio, it’s highly recommended you visit as many as you can to get the best price comparison.

Acura RL insurance charts and tables

The table displayed below outlines different rate quotes for Acura RL models. Being more informed about how insurance prices are determined can assist in making decisions when shopping your coverage around.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price estimates do not factor in specific location which can alter auto insurance rates considerably.

Should you raise deductibles?

One frequently asked question is how high or low should comp and collision deductibles be. The figures shown below summarize how much more rates are of buying low and high comp and collision deductibles. The first rate quote example uses a $250 deductible and the second data table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price estimates do not factor in specific location which can lower or raise premium rates substantially.

Based on this data, using a $250 deductible will cost in the ballpark of $13 more each month or $156 each year than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 19 months between claim filings, you would save more money by going with a higher deductible.

The example below shows how different deductible levels and can change Acura RL yearly insurance costs for each age group. The premiums assume a single male driver, full physical damage coverage, and no policy discounts are applied.

Rate difference between full and liability-only coverage

The information below compares Acura RL insurance prices with full physical damage coverage compared to only buying liability only. Data assumes no violations or accidents, $250 deductibles, single status, and no discounts are applied to the premium.

Should you be buying full coverage?

There isn’t a steadfast formula of when to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let’s say your Acura RL settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after paying the physical damage deductible. If it’s costing you more than $600 a year for full coverage, then you might want to consider buying only liability coverage.

There are some conditions where dropping physical damage coverage is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Why car insurance is not optional

Even though Cleveland RL insurance rates can get expensive, buying car insurance is most likely required but also gives you several important benefits.

• Most states have minimum liability requirements which means state laws require specific limits of liability insurance if you drive a vehicle. In Ohio 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.
• If your Acura has a lienholder, most lenders will stipulate that you have physical damage coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank may insure your Acura for a lot more money and force you to reimburse them for the much more expensive policy.
• Car insurance protects both your Acura RL and your assets. It will also reimburse you for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you are sued as the result of an accident. If you have damage to your Acura as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of having car insurance outweigh the cost, specifically if you ever have a liability claim. But the average driver in Ohio is wasting up to $855 a year so you should quote your policy with other companies at every renewal to ensure rates are competitive.

Slash rates with these ten discounts

Companies do not advertise the entire discount list very well, so the list below gives a summary of both the well known and the harder-to-find credits available to bring down your rates.

• Mature Driver Discount – If you qualify as a senior citizen, you are able to get lower premium rates.
• Clubs and Organizations – Belonging to qualifying clubs or civic groups is a good way to get lower rates when getting a Cleveland car insurance quote.
• Multiple Cars – Insuring multiple vehicles with one company can reduce rates for all insured vehicles.
• Passive Restraints and Air Bags – Factory air bags or motorized seat belts can get savings of up to 25% or more.
• Policy Bundle Discount – If you combine your home and auto policies and place coverage with the same company you may earn nearly 15% which can help you find the cheapest Acura RL insurance in Cleveland.
• Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
• Responsible Driver Discount – Insureds without accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
• Government Employees – Simply working for the federal government may reduce rates when you quote Cleveland car insurance with a few car insurance companies.
• Braking Control Discount – Cars and trucks with anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
• Sign Online – Certain insurance companies may give you up to $50 for buying a policy and signing up on your computer.

We need to note that most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, you aren’t that lucky.

The diagram below visualizes the comparison of Acura RL insurance costs with and without discounts applied to the rates. The premiums are based on a male driver, no violations or accidents, Ohio state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, marriage, safe-driver, and multi-policy discounts applied.

Some of the larger companies that may include these benefits are:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

It’s a good idea to ask all companies you are considering how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders everywhere. If you would like to see a list of insurance companies that have a full spectrum of discounts in Cleveland, follow this link.

You may require the services of an agent

Many people just want to buy from a licensed agent and that is just fine! The biggest benefit of comparing rate quotes online is you can get lower rates but still work with a licensed agent.

After filling out this simple form, your insurance coverage information is immediately sent to local insurance agents that provide free Cleveland car insurance quotes for your insurance coverage. It makes it easy because there is no need to find an agent because quoted prices will be sent straight to your inbox. It’s the lowest rates without having to waste a lot of time. If you wish to quote rates from a specific insurance company, you can always visit that company’s website and fill out the quote form the provide.

Finding a good insurance company requires you to look at more than just a cheap price quote. Any agent in Cleveland should have no problem answering these questions:

• Do they see any coverage gaps in your plan?
• What will you get paid if your car is a total loss? How is that amount determined?
• What insurance companies do they work with in Cleveland?
• How often do they review policy coverages?
• Are they primarily personal or commercial lines agents in Cleveland?
• Do they have a Better Business Bureau rating in Cleveland?
• Do they get paid more for recommending certain coverages?
• Are you getting all the discounts the company offers?

If you are wanting to purchase car insurance from a good Cleveland insurance agent, there are a couple of types of insurance agents and how they operate. Agents are categorized either independent or exclusive.

Exclusive Agents

Exclusive insurance agents can only place business with one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot give you multiple price quotes so you need to shop around if the rates are high. Exclusive insurance agents are very knowledgeable on their company’s products which aids in selling service over price. A lot of people buy from the same agent for years primarily because of the brand legacy rather than low rates.

Below is a short list of exclusive insurance agencies in Cleveland that are able to give comparison quotes.

• Allstate Insurance: Eslick Insurance and Financial Services
  2775 S Moreland Blvd Ste 203 – Cleveland, OH 44120 – (216) 283-5570 – View Map
• Allstate Insurance: Nanci Cieckiewicz
  4719 State Rd – Cleveland, OH 44109 – (216) 739-0990 – View Map
• Valerie A Anderson – State Farm Insurance Agent
  2291 Lee Rd – Cleveland Heights, OH 44118 – (216) 932-0100 – View Map

View more agents

Independent Agencies or Brokers

Agents in the independent channel are not required to write business for one company so they can insure your vehicles amongst many companies depending on which coverage is best. If they find a cheaper price, an independent agent can move your coverage which is easy for the insured. If you are comparing rate quotes, it’s recommended you check rates from several independent insurance agents to get the best comparison. Most independent agents also contract with small regional insurance companies which can be an advantage.

Below are independent agencies in Cleveland that can give you comparison quotes.

• Phil Pavarini Insurance Agent * InsureCLE.com
  2012 W 25th St #501 – Cleveland, OH 44113 – (216) 374-4500 – View Map
• Pilat Insurance Agency, Inc.
  5925 Ridge Rd – Cleveland, OH 44129 – (440) 888-1150 – View Map
• Washington and Co Insurance Agcy
  2565 Noble Rd – Cleveland, OH 44121 – (216) 691-9227 – View Map

View more agents

Will just any policy work for me?

When it comes to your policy, there really isn’t a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions could help you determine if your insurance needs might need professional guidance.

• Are rental cars covered under my policy?
• Is my Acura RL covered if I use it for business?
• What states are considered no-fault?
• Should I carry comprehensive and collision coverage?
• How can I force my company to pay a claim?
• Is my ex-spouse still covered by my policy?
• When should I not buy collision coverage?
• Why do I need rental car insurance?
• When should I buy a commercial auto policy?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.

Detailed coverages of your auto insurance policy

Learning about specific coverages of auto insurance aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hail damage, a broken windshield and damage from flooding. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

This coverage pays for damage to your RL resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, colliding with another moving vehicle, crashing into a ditch, damaging your car on a curb and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your RL in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits (25/50/25 in Ohio), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses like pain medications, prosthetic devices, doctor visits and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This protects you from damage or injury you incur to other’s property or people. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability insurance covers claims such as legal defense fees, loss of income, bail bonds and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible. Ohio requires drivers to carry at least 25/50/25 but you should think about purchasing more liability than the minimum.

The illustration below shows why the minimum limit may not be adequate.

Don’t give up on cheaper rates

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped physical damage coverage only to discover later that it was a big mistake. Your objective should be to purchase plenty of coverage at the best price, but do not sacrifice coverage to save money.

Insureds who switch companies do it for a number of reasons such as delays in responding to claim requests, unfair underwriting practices, extreme rates for teen drivers or not issuing a premium refund. It doesn’t matter why you want to switch finding a new company is actually quite simple.

In this article, we presented some good ideas how you can find affordable Acura RL insurance in Cleveland. It’s most important to understand that the more providers you compare, the better your chances of lowering your car insurance rates. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising.

How to save on Acura RL insurance in Cleveland

The most effective way to get affordable Acura RL insurance is to compare prices regularly from providers that sell auto insurance in Cleveland.

Step 1: Try to understand how your policy works and the things you can control to keep rates down. Many factors that drive up the price like at-fault accidents, speeding tickets, and a less-than-favorable credit history can be controlled by making small lifestyle or driving habit changes.

Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like Progressive or Allstate, while independent agencies can quote prices for a wide range of companies.

Step 3: Compare the price quotes to your current policy and determine if there is any savings. If you find a better price and buy the policy, make sure there is no coverage gap between policies.

Step 4: Provide written notification to your current company of your decision to cancel your current car insurance policy and submit the completed application along with a down payment to the newly selected company. Make sure you keep your new certificate verifying proof of insurance in a readily accessible location in your vehicle.

The key aspect of shopping around is to try to compare identical coverage information on each price quote and and to get quotes from as many companies as possible. Doing this guarantees a level playing field and a complete price analysis.

More detailed auto insurance information is located in the articles below:

• What is Gap Insurance? (Insurance Information Institute)
• Who Has the Cheapest Cleveland Car Insurance for a GMC Acadia? (FAQ)
• Who Has Cheap Auto Insurance for Ride Shares in Cleveland? (FAQ)
• How Much is Cleveland Auto Insurance for 18 Year Olds? (FAQ)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• Tools for Teen Driving Safety (State Farm)