Affordable Rate Quotes for Acura RL Insurance in Pittsburgh

If you want to find the absolute lowest rates, then the best way to find low-cost prices for Acura RL insurance is to compare quotes once a year from insurers in Pittsburgh.

  1. Try to learn about how car insurance works and the factors you can control to keep rates low. Many things that are responsible for high rates such as multiple speeding tickets and poor credit history can be rectified by being financially responsible and driving safely. This article provides ideas to lower rates and get additional discounts that may have been overlooked.
  2. Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO or State Farm, while agents who are independent can quote rates from multiple insurance companies.
  3. Compare the new quotes to the price on your current policy to determine if switching companies saves money. If you find a lower rate quote and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

A key point to remember is to use similar deductibles and liability limits on every quote request and and to get price estimates from as many companies as possible. Doing this guarantees a level playing field and a thorough selection of prices.

Insurance rates Acura RL in PittsburghWe don’t have to tell you that auto insurance companies don’t want their policyholders to compare prices. Insureds who get comparison quotes once a year will most likely buy a new policy because there is a good chance of finding a cheaper policy. A study showed that people who regularly compared price quotes saved on average $865 a year compared to drivers who never compared prices.

If finding the cheapest rates on car insurance is the reason you’re here, then having an understanding of how to choose a company and compare car insurance can make the process less intimidating.

Most major insurance companies like Allstate, GEICO and Progressive give coverage prices directly from their websites. This process doesn’t take a lot of time as you simply enter the coverages you want into the form. After the form is submitted, their rating system sends out for information on your driving record and credit history and generates a price based on many factors. Being able to quote online for Acura RL insurance in Pittsburgh helps simplify price comparisons, and it is imperative to get many rate quotes if you want to get cheap insurance pricing.

To compare rates now, take a look at the companies shown below. If you have a policy now, it’s recommended you input the limits and deductibles as shown on your current policy. This makes sure you will have an apples-to-apples comparison based on the exact same insurance coverage.

The companies in the list below are our best choices to provide quotes in Pennsylvania. To locate cheaper car insurance in Pennsylvania, it’s highly recommended you visit two to three different companies to get a more complete price comparison.

Coverage information

The information displayed next showcases different prices for Acura RL models. Knowing how premiums are determined can help drivers make informed decisions when comparing rates.

Acura RL Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $246 $520 $372 $22 $112 $1,272 $106
RL 3.7 with Tech Package $246 $520 $372 $22 $112 $1,272 $106
RL 3.7 with Tech/CMBS Package $246 $520 $372 $22 $112 $1,272 $106
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in Pittsburgh location which can raise or lower premium rates substantially.

Annual premiums for males versus females

The example below compares Acura RL premium costs for male and female drivers. The premiums are based on no accidents or driving violations, full physical damage coverage, $250 deductibles, marital status is single, and no additional discounts are factored in.

Full coverage versus liability only rates

The example below visualizes the comparison of Acura RL auto insurance costs with full coverage compared to only the Pennsylvania minimum liability coverage. The prices are based on no claims or driving citations, $250 deductibles, single status, and no discounts are taken into consideration.

When to switch to liability coverage only

There isn’t a written rule for dropping full coverage, but there is a broad guideline. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s pretend your Acura RL settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,000 after you pay the deductible. If you are currently paying more than $600 a year for your policy with full coverage, then it could be time to drop full coverage.

There are some circumstances where only buying liability is not advised. If you haven’t paid off your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not remove full coverage.

Why you need vehicle insurance in Pennsylvania

Even though it can be expensive, paying for insurance is required in Pennsylvania but it also protects you in many ways.

First, most states have minimum liability requirements which means you are required to buy specific limits of liability insurance if you want to drive legally. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your vehicle has a lienholder, more than likely the lender will require that you carry insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender will be forced to insure your Acura for a lot more money and force you to reimburse them for it.

Third, insurance protects both your car and your personal assets. It will also pay for medical bills that are the result of an accident. Liability insurance, one of your policy coverages, will also pay attorney fees in the event you are sued. If your car is damaged in a storm or accident, your insurance policy will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance greatly outweigh the cost, particularly when you have a large claim. Despite what companies tell you, the average driver overpays as much as $830 a year so compare rates at every policy renewal to be sure current rates are still competitive.

Lower Your Pittsburgh Insurance Prices

Multiple criteria are used in the calculation when pricing auto insurance. Some factors are common sense like your driving record, but others are more transparent like your vehicle usage or your vehicle rating. Part of the car insurance buying process is learning a few of the rating criteria that help determine your policy premiums. If you have some idea of what influences your rates, this empowers consumers to make smart changes that can help you get lower premium levels.

Insurance rates and discounts

Insuring your vehicles can cost a lot, but companies offer discounts that many people don’t even know exist. A few discounts will be applied when you quote, but less common discounts must be asked about before you get the savings. If you don’t get every credit available, you could be saving more on your insurance.Insurance discounts

Policy discounts save money, but most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will help lower your policy premium.

The example below compares Acura RL auto insurance rates with and without discounts being applied to the rates. The prices are based on a male driver, a clean driving record, no at-fault accidents, Pennsylvania 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 marriage, claim-free, multi-car, homeowner, safe-driver, and multi-policy discounts applied.

Car insurance companies that may offer policyholders many of the previously listed discounts include:

Before buying, ask every prospective company what discounts are available to you. Savings may not apply in your state. For a list of insurance companies that provide some of the discounts listed above in Pennsylvania, click here to view.

Do I just need basic coverages?

Keep in mind that when it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Every situation is different.Insurance savings

Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

When to talk to a local insurance agent

A lot of people just want to buy from a local agent and that is a personal choice. The biggest benefit of getting online price quotes is you may find the best rates and still buy from a local agent. And providing support for local agencies is definitely important in Pittsburgh.

Insurance agents in PittsburghTo find an agent, once you fill out this short form, the quote information is instantly submitted to companies in Pittsburgh who will give competitive quotes for your business. You never need to find an agent on your own due to the fact that quote results will go instantly to you. You can find the lowest rates and an insurance agent to talk to. If you wish to compare rates from a specific insurance provider, feel free to jump over to their website and give them your coverage information.

When searching for a reputable insurance agent or broker, you need to know there are two types of insurance agents and how they operate. Insurance agents are considered either independent agents or exclusive agents depending on their employer.

Independent Agents

Independent agencies can quote rates with many companies so they can insure your vehicles with any number of different companies and find you cheaper rates. If you are not satisfied with one company, an independent agent can move your coverage and you don’t have to switch agencies. If you need lower rates, it’s recommended you contact several independent insurance agents so that you can do a thorough price comparison.

Listed below is a short list of independent agencies in Pittsburgh who may be able to give you free price quotes.

5624 Brownsville RdPittsburgh, PA 15236(412) 650-5700View Map

1900 Painters Run RdPittsburgh, PA 15241(412) 257-4300View Map

234 Shady AvePittsburgh, PA 15206(412) 362-8340View Map

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Exclusive Insurance Agencies

Exclusive insurance agents can only place business with one company and some examples include Allstate and State Farm. These agents are unable to place coverage with different providers so keep that in mind. They receive a lot of sales training on what they offer which helps them compete with independent agents.

The following are Pittsburgh exclusive insurance agents who can help you get price quotes.

Eric Morris – State Farm Insurance Agent
2015 Babcock BlvdPittsburgh, PA 15209(412) 821-0225View Map

9026 St Simon WayPittsburgh, PA 15237(412) 364-7170View Map

5901 Baum BlvdPittsburgh, PA 15206(412) 361-8000View Map

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Deciding on an car insurance agent should include more criteria than just a cheap price quote. Any agent in Pittsburgh should have no problem answering these questions:

After receiving positive feedback as well as a price you’re happy with, you’ve probably found an insurance agent that is reliable enough to properly insure your vehicles.

Ratings for Pennsylvania auto insurance companies

Selecting the top car insurance company is hard considering how many different companies there are to choose from in Pittsburgh. The ranking data listed below could help you analyze which auto insurers to look at when comparing rate quotes.

Top 10 Pittsburgh Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. GEICO – A++
  3. Travelers – A++
  4. State Farm – A++
  5. Allstate – A+
  6. Nationwide – A+
  7. Esurance – A+
  8. Erie Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

Top 10 Pittsburgh Car Insurance Companies Ranked by Claims Service

  1. Progressive
  2. USAA
  3. Liberty Mutual
  4. State Farm
  5. GEICO
  6. Titan Insurance
  7. Nationwide
  8. Allstate
  9. The General
  10. 21st Century

Don’t give up on cheaper rates

Affordable Acura RL insurance in Pittsburgh can be found on the web in addition to many Pittsburgh insurance agents, and you need to price shop both to have the best chance of lowering rates. Some auto insurance companies don’t offer online rate quotes and many times these regional carriers sell through independent agents.

People change insurance companies for a number of reasons such as questionable increases in premium, extreme rates for teen drivers, not issuing a premium refund and an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

When shopping online for auto insurance, it’s a bad idea to skimp on coverage in order to save money. In many instances, drivers have reduced full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at the best cost and still be able to protect your assets.

Additional auto insurance information is available at these links: