Locating better insurance prices for an Acura RL in New Jersey could be a lot of work, but you can use these tips and make it easy. There is a better way to shop for auto insurance so you’re going to learn the absolute fastest way to get price quotes for a Acura and get the best price possible from Jersey City insurance agents and online providers.
Locating the best rates in Jersey City is actually quite simple. If you already have coverage or are looking for a new policy, use these money-saving tips to lower your rates and possibly find even better coverage. Smart buyers just need to use the tricks to quote multiple rates from many different companies.
The providers in the list below are ready to provide comparison quotes in New Jersey. To find cheap auto insurance in New Jersey, we recommend you visit as many as you can in order to get a fair rate comparison.
Detailed insurance information
The coverage information displayed next outlines estimates of insurance rates for Acura RL models. Learning a little about how car insurance prices are formulated can assist in making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RL 3.7 | $326 | $658 | $462 | $28 | $138 | $1,612 | $134 |
| RL 3.7 with Tech Package | $326 | $658 | $462 | $28 | $138 | $1,612 | $134 |
| RL 3.7 with Tech/CMBS Package | $326 | $658 | $462 | $28 | $138 | $1,612 | $134 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in specific location which can change premiums significantly.
Physical damage deductible comparison
When shopping for car insurance, a common question is how high should the deductibles for physical damage be. The rates shown below show the differences in price between high and low comp and collision deductibles. The first rate table uses a $100 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RL 3.7 | $574 | $1146 | $480 | $28 | $144 | $2,397 | $200 |
| RL 3.7 with Tech Package | $574 | $1146 | $480 | $28 | $144 | $2,397 | $200 |
| RL 3.7 with Tech/CMBS Package | $574 | $1146 | $480 | $28 | $144 | $2,397 | $200 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RL 3.7 | $318 | $604 | $480 | $28 | $144 | $1,574 | $131 |
| RL 3.7 with Tech Package | $318 | $604 | $480 | $28 | $144 | $1,574 | $131 |
| RL 3.7 with Tech/CMBS Package | $318 | $604 | $480 | $28 | $144 | $1,574 | $131 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Premium costs do not factor in specific garaging location which can change premiums significantly.
Based on this data, using a $100 deductible will cost in the ballpark of $69 more each month or $828 for a full year than choosing the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 13 months between claim filings, you would save money going with the higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $100 deductibles: | $200 |
| Average monthly premium for $1,000 deductibles (subtract): | – $131 |
| Monthly savings from raising deductible: | $69 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $69 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
The information below shows how choosing a deductible and can influence Acura RL premium costs for different age groups. The price estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
Liability only or full coverage
The information below shows the comparison of Acura RL car insurance costs with and without full coverage. The rates are based on no claims or violations, $500 deductibles, marital status is single, and no discounts are taken into consideration.
When to drop full coverage
There isn’t a written rule of when to phase out physical damage coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is about 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.
For example, let’s pretend your Acura RL claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after paying your deductible. If you are paying in excess of $500 a year for full coverage, then you may need to consider dropping full coverage.
There are some circumstances where eliminating full coverage is not financially feasible. If you haven’t satisfied your loan, you are required to maintain 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 if your current one is totaled, you should not consider dropping full coverage.
Don’t neglect these premium slashing discounts
Car insurance companies don’t always publicize all discounts very clearly, so the below list has a few of the more common as well as the least known credits available to bring down your rates.
- Auto/Home Discount – If you have multiple policies and insure them with the same company you may earn nearly 15% which can help you find cheaper RL insurance.
- Switch and Save Discount – A few larger companies give discounts for buying a policy before your current coverage expires. It can save you around 10%.
- Discount for Home Ownership – Owning a home in Jersey City can save you money since home ownership demonstrates responsibility.
- Drive Less and Save – Maintaining low annual mileage can earn substantially lower premium rates.
- Telematics Data Discounts – Drivers that enable driving data submission to spy on their driving habits by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
As a sidenote, some credits don’t apply to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, you’re out of luck.
The illustration below compares Acura RL insurance prices with and without discounts being applied to the rates. The premiums assume a male driver, no claims or driving citations, New Jersey state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, safe-driver, claim-free, and multi-policy discounts applied.
The best car insurance companies and a partial list of their discounts include:
- GEICO may offer discounts for multi-vehicle, multi-policy, air bags, membership and employees, emergency military deployment, and federal employee.
- USAA includes discounts for annual mileage, vehicle storage, defensive driver, driver training, good student, family discount, and new vehicle.
- Progressive has savings for homeowner, online quote discount, good student, multi-vehicle, online signing, multi-policy, and continuous coverage.
- American Family offers discounts including accident-free, TimeAway discount, Steer into Savings, bundled insurance, good driver, and air bags.
- Esurance may have discounts that include safety device, claim free, DriveSense, online quote, defensive driver, anti-theft, and good student.
- Farmers Insurance policyholders can earn discounts including homeowner, alternative fuel, switch companies, early shopping, business and professional, and mature driver.
- State Farm may include discounts for accident-free, good driver, multiple policy, Steer Clear safe driver discount, and anti-theft.
When comparing rates, check with each company which discounts they offer. Some of the discounts discussed earlier may not apply in Jersey City. To see insurers offering car insurance discounts in New Jersey, follow this link.
Buying the right Acura RL insurance in New Jersey is an important decision
Despite the high cost of buying insurance for a Acura RL in Jersey City, maintaining insurance is mandatory in New Jersey but it also protects more than you think.
- Most states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability coverage in order to drive the car. In New Jersey 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.
- If your Acura has a lienholder, most banks will make it mandatory that you have insurance to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank may buy a policy for your Acura at an extremely high rate and require you to fork over the higher price.
- Car insurance preserves both your car and your assets. It will also pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will cover the repair costs.
The benefits of buying enough insurance are without a doubt worth the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is overpaying over $850 per year so compare rate quotes once a year at a minimum to ensure rates are competitive.
Insurance agencies can find coverage gaps
Some people just want to sit down with an agent and that can be a great decision Good agents are trained risk managers and will help you if you have claims. An additional benefit of getting online price quotes is the fact that drivers can get cheap rate quotes but also keep your business local.
To make it easy to find an agent, after completing this short form, your insurance data is submitted to insurance agents in Jersey City that give free quotes for your business. You won’t even need to even leave your home as quotes are delivered to your email. If you have a need to quote rates from a particular provider, you just need to jump over to their website and fill out the quote form the provide.
Choosing the best insurance company needs to be determined by more than just the quoted price. These are some questions your agent should answer.
- Are there any extra charges for paying monthly?
- If they are an independent agency in Jersey City, which companies do they recommend?
- Do they specialize in personal lines auto insurance in Jersey City?
- Are they full-time agents?
- How long has the business existed?
- What company do they have the most business with?
Different types of auto insurance agents in Jersey City
When finding a local Jersey City insurance agency, it can be helpful to understand the different types of agencies that you can select. Jersey City agents can be described as either exclusive or independent (non-exclusive). Either one can do a good job, but it’s worth mentioning the difference between them because it can factor into the type of agent you choose.
Exclusive Auto Insurance Agents
Agents of this type work for only one company like AAA, Allstate, and State Farm. Exclusive agencies are unable to compare rates from other companies so they really need to provide good service. These agents receive a lot of sales training on their products and sales techniques which helps offset the inability to provide other markets. Drivers often buy from exclusive agents mainly due to the prominent brand name rather than having low rates.
Below are Jersey City exclusive insurance agencies who can help you get comparison quotes.
- Allstate Insurance: Emad Soliman
844 Bergen Ave – Jersey City, NJ 07306 – (201) 332-6999 – View Map - State Farm Insurance – Freddy Duran
1025 Summit Ave – Jersey City, NJ 07307 – (201) 604-3874 – View Map - Jared Bush – State Farm® Insurance Agent
725 John F. Kennedy Blvd – North Bergen, NJ 07047 – (201) 325-8880 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent do not sell for just one brand and that gives them the ability to insure with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, they can switch companies in-house and you can keep the same agent.
If you are comparing auto insurance prices, you absolutely need to contact at a minimum one independent agency in order to compare the most rates. Most also write with less well-known companies that many times have cheaper rates.
Listed below is a list of independent insurance agents in Jersey City that can give you price quotes.
- Diaz Insurance Agency
815 Bergenline Ave – Union City, NJ 07087 – (201) 348-1288 – View Map - Exodus Insurance Services
758 Ocean Ave – Jersey City, NJ 07304 – (201) 433-1015 – View Map - Royale Insurance Agency
2184 John F. Kennedy Blvd – Jersey City, NJ 07305 – (201) 656-1800 – View Map