Auto Insurance Rate Quotes for an Acura RL in Lincoln

How long have you put off shopping around for cheaper Acura RL insurance in Lincoln? Finding cheaper insurance for an Acura RL in Nebraska can normally be a lot of work, but you can learn these tips and make it easy.

There are more efficient ways to find insurance online and we’ll show you the best way to quote coverages for a Acura and get the best price possible from both online companies and Lincoln agents.

If you’re already insured or just want to save money, take advantage of these tips to find better prices and possibly find even better coverage. Locating the most affordable auto insurance coverage in Lincoln can be fairly easy. Consumers just have to understand the proper way to shop their coverage around using one simple form.

The auto insurance companies shown below provide free quotes in Lincoln, NE. If you want the cheapest auto insurance in Nebraska, we suggest you get rate quotes from several of them in order to get a fair rate comparison.

Detailed insurance information

The table shown next outlines detailed analysis of insurance costs for Acura RL models. Learning more about how car insurance prices are determined is important for drivers to make smart choices when purchasing an auto insurance policy.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Information does not factor in Lincoln location which can raise or lower price quotes substantially.

An analysis of deductible level

When shopping for car insurance, a common question is at what level do you set your deductibles. The figures shown below show the rate difference when you select higher and lower physical damage coverage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second rate chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in zip code location which can decrease or increase insurance rates significantly.

Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $30 more each month or $360 a year than selecting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 13 months between claims, you would most likely save money by going with a higher deductible.

The diagram below demonstrates how deductibles and can raise or lower Acura RL insurance rates for different ages of insureds. The prices are based on a married female driver, comp and collision included, and no discounts are applied to the premium.

Irresponsible driving raises your rates

The information below illustrates how violations and fender-benders can drive up Acura RL insurance prices for different categories of driver ages. The premiums assume a single male driver, comp and collision included, $250 deductibles, and no discounts are applied.

Comparison of car insurance rates by age and gender

The chart below shows the difference between Acura RL insurance prices for male and female drivers. The data is based on no claims or driving violations, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are applied.

Auto insurance is not optional

Even though Lincoln RL insurance rates can get expensive, maintaining insurance serves a purpose in several ways.

First, most states have minimum mandated liability insurance limits which means the state requires specific limits of liability insurance coverage in order to drive the car legally. In Nebraska 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 you have a lien on your car, most lenders will make it a condition of the loan that you have comprehensive coverage to protect their interest in the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Acura at a much higher rate and force you to pay for it.

Third, auto insurance preserves not only your car but also your financial assets. It also can pay for medical bills that are the result of an accident. Liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of carrying adequate insurance are without a doubt worth the cost, particularly when you have a large claim. According to a recent study, the average American driver is wasting up to $810 a year so shop around at least once a year to help ensure money is not being wasted.

Informed Decisions Result in Lower Insurance Rates

An important part of buying insurance is that you know a few of the rating criteria that aid in calculating the rates you pay for insurance. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could result in much lower annual insurance costs.

Car features that cut rates – Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.

You might want pay the small claims yourself – If you are the type of insured that files lots of claims you can pretty much guarantee much higher rates or policy non-renewal. Insurance companies in Nebraska award the best rates to people who only file infrequent claims. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.

Credit score impacts premium costs – Credit history is likely to be a major factor in determining your rates. People with high credit scores tend to be more responsible and file fewer claims as compared to drivers with worse credit. So if your credit can be improved, you could potentially save money when insuring your Acura RL if you clean up your credit.

Your vocation may affect rates – Did you know that where you work can have an impact on rates? Careers such as real estate brokers, business owners, and miners tend to have higher premium rates attributed to job stress and long work hours. Conversely, occupations such as scientists, students and homemakers get better rates.

Cars with good safety ratings means cheaper insurance – Vehicles with good safety scores are cheaper to insure. Highly rated vehicles reduce the chance of injuries and fewer injuries means less money paid by your insurance company and lower rates for you.

Do you qualify for a multi-policy discount? – Most insurance companies afford discounts to policyholders that purchase more than one policy. It’s known as a multi-policy discount. Even though this discount sounds good, consumers should still compare Acura RL rates in Lincoln to help ensure you have the lowest rates. You may still be able to find lower rates even if you insure with multiple companies

Acura RL historical loss data – Insurance companies factor in historical loss data when they file their rates in each state. Vehicles that have higher losses will cost more for specific coverages. The table below illustrates the collected loss data for Acura RL vehicles.

For each type of coverage, the statistical loss for all vehicles averaged together is considered to be 100. Values under 100 indicate better than average losses, while numbers above 100 indicate higher probability of having a loss or larger claims.

Save money on Acura RL insurance in Lincoln with these insurance discounts

Companies offering auto insurance do not list every policy discount very clearly, so the list below contains a few of the more common as well as some of the hidden insurance savings.

• Organization Discounts – Being a member of qualifying employment or professional organizations could earn you a nice discount on your next renewal.
• Early Signing – Some larger companies reward drivers for switching policies before your current coverage expires. It can save you around 10%.
• First Accident Forgiveness – Not really a discount, but companies like GEICO and Liberty Mutual will allow you to have one accident before your rates go up if you are claim-free for a certain period of time.
• Federal Employees – Having worked for a branch of the government could cut as much as 10% off with certain companies.
• Data Collection Discounts – People who choose to allow data collection to analyze where and when they drive by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates as long as the data is positive.
• Save with More Vehicles Insured – Having primary and secondary vehicles on one policy can get a discount for every vehicle.
• Paperless Signup – A few larger online companies will give you a small discount for completing your application online.
• Driver Education Discount – Require your teen driver to enroll and complete driver’s education if it’s offered in school.
• Save with a New Car – Buying a new car instead of a used RL can get you a discount due to better safety requirements for new model year vehicles.
• Senior Citizen Discount – Older drivers may qualify for a slight reduction on a Lincoln car insurance quote.

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. Despite the appearance that it’s possible to get free car insurance, it’s just not the way it works.

The information below shows the comparison of Acura RL insurance costs with and without discounts applied to the rates. The data is based on a female driver, no violations or accidents, Nebraska state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, claim-free, homeowner, and multi-car discounts applied.

If you would like to see a list of providers with the best Acura RL insurance discounts in Lincoln in Nebraska, follow this link.

When to have guidance from an insurance agent

A lot of people still prefer to sit down with an agent and that is OK! Licensed agents will help you protect your assets and help in the event of a claim. One of the great benefits of comparing rate quotes online is the fact that you can find lower rates but still work with a licensed agent. Buying from and supporting small agencies is definitely important in Lincoln.

After completing this form (opens in new window), your coverage information is immediately sent to insurance agents in Lincoln who will give you quotes to get your business. It’s much easier because you don’t need to even leave your home since price quotes are sent straight to your inbox. If for some reason you want to compare rates from a specific auto insurance provider, don’t hesitate to search and find their rate quote page and fill out the quote form the provide.

When narrowing the list to find a local Lincoln insurance agency, it’s important to understand the different agency structures and how they function. Agents in Lincoln can be categorized as either exclusive or independent. Both can sell and service auto insurance coverage, but it’s good to learn the differences because it can impact your selection of an agent.

Independent Agents

These agents are not restricted to one company and that gives them the ability to insure through lots of different companies enabling the ability to shop coverage around. If they find a cheaper price, an independent agent can move your coverage and you can keep the same agent. When searching for an agent, we recommend you compare quotes from at least one independent agent in order to have the best price comparison. Most also have access to smaller companies which can be an advantage.

Below are Lincoln independent insurance agencies that can give you cheap rate quotes.

• Gary Thompson Agency, Inc.
  4200 Lucile Dr a200 – Lincoln, NE 68506 – (402) 475-2609 – View Map
• Jeff Munns Agency, Inc.
  1617 Normandy Ct #102 – Lincoln, NE 68512 – (402) 436-2140 – View Map
• Farley-Wolf Agency
  7800 O St #103 – Lincoln, NE 68510 – (402) 483-1350 – View Map

More insurance agents

Exclusive Agencies

Agents that choose to be exclusive write business for a single company like Farmers Insurance and State Farm. Exclusive agents cannot place coverage with different providers so you need to shop around if the rates are high. They receive a lot of sales training on their company’s products which helps offset the inability to provide other markets. Consumers frequently use the same exclusive agent primarily because of the brand name instead of buying on price only.

The following are Lincoln exclusive insurance agencies that can give you price quotes.

• Karen Williams – State Farm Insurance Agent
  233 N 48th St o – Lincoln, NE 68504 – (402) 434-6050 – View Map
• Allstate Insurance: Earnest and Associates, Inc
  4221 O St – Lincoln, NE 68510 – (402) 488-0955 – View Map
• State Farm – Lincoln – Steve Lang
  1401 N 66th St Suite 206 – Lincoln, NE 68505 – (402) 467-2272 – View Map

More insurance agents

Picking the best insurance agency needs to be determined by more than just a cheap quote. Below are some questions you should ask.

• Is insurance their full-time profession?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• Did they already check your driving record and credit reports?
• How long have they been in business?
• Does the agent have a valid license to sell insurance in Nebraska?

Nebraska car insurance company ratings

Finding a good quality insurer can be rather challenging considering how many different companies insure vehicles in Nebraska. The company information below can help you pick which insurers to look at buying from.

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

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Nationwide – A+
6. Esurance – A+
7. The Hartford – A+
8. Progressive – A+
9. Allstate – A+
10. The General – A-

Top 10 Lincoln Car Insurance Companies Ranked by Customer Service

1. State Farm
2. Nationwide
3. Safeco Insurance
4. American Family
5. Travelers
6. Liberty Mutual
7. GEICO
8. Allstate
9. The Hartford
10. Farmers Insurance

Don’t give up on affordable rates

We just presented a lot of tips how to compare Acura RL insurance car insurance rates in Lincoln. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding inexpensive Lincoln car insurance quotes. You may even be surprised to find that the lowest priced auto insurance comes from a small mutual company.

Consumers leave their current company for any number of reasons including questionable increases in premium, unfair underwriting practices, high rates after DUI convictions or being labeled a high risk driver. It doesn’t matter what your reason, switching companies is pretty simple and you could end up saving a buck or two.

As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice full coverage only to regret at claim time that they should have had better coverage. Your strategy should be to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.

Steps to finding low-cost Acura RL insurance in Lincoln

If your goal is the lowest price, then the best way to find cheaper quotes for car insurance rates in Lincoln is to start comparing rates regularly from insurers who sell auto insurance in Nebraska. Price quotes can be compared by following these guidelines.

First, learn about how companies price auto insurance and the measures you can control to lower rates. Many policy risk factors that result in higher rates like speeding tickets, accidents and a less-than-favorable credit rating can be remedied by improving your driving habits or financial responsibility.

Second, compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like Progressive and State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers. Begin your rate comparison

Third, compare the new quotes to the premium of your current policy to see if a cheaper price is available. If you find a lower rate quote, make sure there is no coverage gap between policies.

Fourth, tell your current agent or company of your intent to cancel your current car insurance policy and submit payment and a completed application for your new policy. Once the application is submitted, store the proof of insurance certificate along with the vehicle’s registration papers.

A valuable tip to remember is that you’ll want to compare the same coverage limits and deductibles on each price quote and and to get price estimates from as many companies as you can. This ensures the most accurate price comparison and a better comparison of the market.

More resources

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Who Has Affordable Auto Insurance Quotes for Business Use in Lincoln? (FAQ)
• Who Has Affordable Lincoln Auto Insurance for a Toyota RAV4? (FAQ)
• Who Has Cheap Car Insurance Rates for College Graduates in Lincoln? (FAQ)
• Senior Drivers (Insurance Information Institute)
• What if I Can’t Find Coverage? (Insurance Information Institute)
• Neck Injury FAQ (iihs.org)