Searching for better insurance prices for a new or used Acura 3.2CL in Texas can turn out to be an all-consuming task, but you can learn our car insurance buying tips to find lower rates.
There are both good and bad ways to find car insurance online so we’re going to tell you the best way to get price quotes for your Acura and locate the best price possible either online or from Texas insurance agents.
It’s a good idea to compare prices occasionally because rates change quite often. If you had the lowest rates for 3.2CL coverage a year ago you may be paying too much now. Don’t believe everything you read about car insurance online but with this article, you’re going to get the best ways to find affordable car insurance.
If you have a current car insurance policy or need a new policy, you can learn to cut your premiums while maintaining coverages. Pricing affordable car insurance coverage can be fairly easy. Texas consumers only need to know how to find the lowest price online.
How to Lower Your Car Insurance Cost in Texas
Comparing car insurance rates can be a daunting task if you don’t utilize the easiest way. You could waste a few hours talking to local insurance agents in your area, or you can utilize the internet to accomplish the same thing much quicker.
Many insurance companies participate in an industry program that enables customers to enter their coverage request one time, and every company provides a quote. This saves time by eliminating repetitive form submissions to every company. To access this free quoting program, click here to open in new window.
The one downside to comparing rates this way is you cannot specify which carriers you want to price. If you wish to select specific providers to request quotes from, we put together a list of the cheapest car insurance companies in Texas. Click to view list.
Which method you use is up to you, but double check that you are using exactly the same deductibles and coverage limits for each price quote. If you enter differing limits it’s not possible to determine the best price for your Acura 3.2CL.
Are you getting all your discounts?
Insuring your vehicles can cost a lot, buy you may qualify for discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be requested specifically prior to receiving the credit. If you aren’t receiving every discount possible, you’re just leaving money on the table.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
- Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
- Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
- Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
- Theft Prevention System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
- Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for 3.2CL coverage than drivers with accident claims.
- Discount for New Cars – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
It’s important to note that many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like medical payments or collision. Just because it seems like adding up those discounts means a free policy, you’re out of luck. But all discounts will reduce the amount you have to pay.
To see a list of providers with the best car insurance discounts in Texas, click here to view.
Buying car insurance from a local agent
A small number of people just want to sit down with an agent and that is just fine! Educated insurance agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of comparing insurance prices online is that you can obtain better rates but also keep your business local. Buying from local businesses is important especially if you live in a smaller city or town.
After filling out this form (opens in new window), your information is transmitted to agents in your area who will give you bids for your business. You won’t need to visit any agencies because quoted prices will be sent immediately to your email address. How’s that for easy!
Pick the best insurance agent in Texas for you
When researching a local agent, you need to know there are two types of insurance agents from which to choose. Texas agents can either be captive or independent (non-captive). Both write coverage properly, but it’s worth learning the differences because it can influence your selection of an agent.
Independent Agents
Independent agencies are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent.
When comparing rates, it’s a good idea to contact at least one independent agent to get the best comparison.Many can place coverage with different regional companies which can save you money.
Captive Insurance Agents
Captive insurance agents write business for a single company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are not able to provide prices from multiple companies so they are skilled at selling on more than just price. Captive agencies receive extensive training on their products and sales techniques which helps them compete with independent agents. Consumers sometimes choose to use a captive agent mostly because of high brand loyalty and the convenience of having all coverages with one company.
For a full directory of Texas insurance agencies, visit this page.
Picking an auto insurance agent shouldn’t rely on just the premium amount. Some important questions to ask are:
- How many years of experience in personal lines insurance coverages do they have?
- Is working in the agency their full-time job?
- Is assistance available after office hours?
- Do they receive special compensation for putting your coverage with one company over another?
- What insurance companies do they recommend if they are an independent agent?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Did they already check your driving record and credit reports?
- Do they have any clout with companies to ensure a fair claim settlement?
Once you have reasonable responses to these questions and an affordable coverage quote, you have narrowed it down to a car insurance agent that will properly service your car insurance policy.
Factors determining your Acura 3.2CL insurance premium
Smart consumers have a good feel for the rating factors that help determine the rates you pay for car insurance. Understanding what influences your rates allows you to make educated decisions that can help you get big savings.
- Better credit means lower rates – Having a bad credit rating is a big factor in determining what you pay for car insurance. People with high credit scores tend to be more responsible than those with poor credit. Therefore, if your credit score can use some improvement, you could be paying less to insure your Acura 3.2CL by repairing your credit.
- Sex matters – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women have accidents at a similar rate, but the male of the species cause more damage. Men also tend to have more aggressive citations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
- Your car’s features help determine rates – Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
- Do you know your deductibles? – Physical damage insurance, also known as collision and other-than-collision, protects your Acura from damage. Examples of covered claims could be a windshield shattered by a rock, vandalism, and rolling your vehicle. The deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more you’re willing to pay, the lower your rates will be for 3.2CL coverage.
Are you falling for claims of savings?
Texas drivers can’t ignore all the ads for cheaper car insurance by State Farm, GEICO and Progressive. They all say the same thing that you can save if you move to their company.
How can each company say the same thing?
Insurance companies are able to cherry pick for the type of customer they prefer to insure. A good example of a driver they prefer could be between the ages of 30 and 50, has no driving citations, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and most likely will save a lot of money.
Potential insureds who do not match the “perfect” profile will be charged a more expensive rate which leads to the customer not buying. Company advertisements say “people who switch” not “people who quote” save money. That’s why insurance companies can state the savings.
That is why it is so important to get a wide range of price quotes. You cannot predict which company will fit your personal profile best.
And the best car insurance company is…
People who switch companies do it for a variety of reasons including lack of trust in their agent, questionable increases in premium, poor customer service or being labeled a high risk driver. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.
As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. In too many instances, an insured dropped liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase a proper amount of coverage at the best price while still protecting your assets.
Cheap Acura 3.2CL insurance is available from both online companies in addition to many Texas insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.
Additional information is available on the Texas Department of Insurance website found here. Visitors are able to find out industry alerts, download brochures, get help finding coverage, and find disaster information.
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