Locating low-cost insurance for an Acura RL in Illinois can normally be difficult, but you can learn the following methods and make it easy.
There are both good and bad ways to compare insurance rates so you’re going to learn the absolute fastest way to compare rates on a Acura and get the lowest possible price either online or from Chicago insurance agents.
The fastest way that we advise to get rate comparisons for Acura RL insurance in Chicago is to realize auto insurance companies pay for the opportunity to give free rates quotes. All you need to do is provide the companies a bit of rating information such as which vehicles you own, deductibles desired, if a SR-22 is required, and your credit rating estimate. The rating information is then submitted to multiple different insurance companies and they respond with quotes with very little delay.
If you wish to get multiple quotes for your Acura RL now, click here and enter your zip code.
The companies shown below are ready to provide quotes in Illinois. If multiple providers are shown, we suggest you compare several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RL 3.7 | $172 | $328 | $262 | $16 | $78 | $856 | $71 |
| RL 3.7 with Tech Package | $274 | $600 | $316 | $18 | $94 | $1,302 | $109 |
| RL 3.7 with Tech/CMBS Package | $158 | $302 | $268 | $16 | $80 | $824 | $69 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in specific location information which can change insurance rates considerably.
Higher deductibles lower rates
One of the more difficult decisions when buying auto insurance is how high should the physical damage coverage deductibles be. The tables below can help show the cost difference of buying low and high physical damage deductibles. The first pricing table uses a $250 deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RL 3.7 | $280 | $522 | $262 | $16 | $78 | $1,183 | $99 |
| RL 3.7 with Tech Package | $280 | $522 | $262 | $16 | $78 | $1,183 | $99 |
| RL 3.7 with Tech/CMBS Package | $280 | $522 | $262 | $16 | $78 | $1,183 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RL 3.7 | $172 | $328 | $262 | $16 | $78 | $856 | $71 |
| RL 3.7 with Tech Package | $172 | $328 | $262 | $16 | $78 | $856 | $71 |
| RL 3.7 with Tech/CMBS Package | $172 | $328 | $262 | $16 | $78 | $856 | $71 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price estimates do not factor in Chicago location which can revise premiums substantially.
Based on the figures above, using a $250 deductible costs an average of $28 more each month or $336 for a full year than requesting the higher $1,000 deductible. Because you would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 27 months between claims, you would most likely save money if you opt for a higher deductible.
Male drivers versus female drivers
The illustration below illustrates the comparison of Acura RL car insurance rates for male and female drivers. The premium estimates are based on no accidents or driving violations, comp and collision included, $500 deductibles, single marital status, and no discounts are applied.
Discounts can help lower premiums on Acura RL insurance in Chicago
Some providers do not list all available discounts very well, so the list below contains some of the more common as well as some of the hidden ways to save on car insurance. If you’re not getting every credit possible, you are not getting the best rate possible.
- Defensive Driver – Participating in a driver safety course could save 5% or more and also improve your driving technique.
- Federal Employees – Active or retired federal employment may qualify for a discount when you quote Chicago auto insurance depending on your company.
- Active Service Discounts – Being on active deployment in the military may qualify for rate reductions.
- Anti-lock Brake Discount – Cars with ABS braking systems or traction control are much safer to drive and earn discounts up to 10%.
- Pay Early and Save – By paying your entire bill at once rather than spreading payments over time you may have a lower total premium amount.
- More Vehicles More Savings – Buying insurance for multiple cars on a single policy can get a discount for every vehicle.
Remember that most discounts do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, you’re out of luck.
A list of companies and a selection of discounts can be found below.
- Progressive has savings for online quote discount, continuous coverage, good student, multi-policy, online signing, homeowner, and multi-vehicle.
- AAA discounts include anti-theft, good student, AAA membership discount, pay-in-full, and good driver.
- Farmers Insurance offers discounts for pay in full, homeowner, good student, multi-car, and alternative fuel.
- GEICO may have discounts that include membership and employees, driver training, anti-theft, five-year accident-free, and military active duty.
- Esurance may include discounts for paid-in-full, multi-car, anti-lock brakes, defensive driver, good student, and anti-theft.
- SAFECO includes discounts for accident prevention training, multi-car, homeowner, anti-lock brakes, teen safety rewards, anti-theft, and teen safe driver.
- State Farm has discounts for passive restraint, anti-theft, multiple policy, good student, student away at school, Drive Safe & Save, and defensive driving training.
If you want cheaper Chicago auto insurance quotes, ask all the companies how you can save money. Some of the earlier mentioned discounts might not be offered on policies in your state. If you would like to choose from a list of companies with significant discounts in Illinois, follow this link.
Auto insurance is an important decision
Despite the potentially high cost of Acura RL insurance, insuring your vehicle may be required and benefits you in several ways.
First, just about all states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability insurance coverage if you want to drive legally. In Illinois these limits are 20/40/15 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if you bought your vehicle with a loan, more than likely the lender will stipulate that you buy full coverage to ensure loan repayment if the vehicle is totalled. If the policy lapses, the lender will be forced to insure your Acura at a more expensive rate and require you to pay the higher price.
Third, insurance protects both your Acura RL and your assets. Insurance will pay for all forms of medical expenses incurred in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, your policy will pay to repair the damage.
The benefits of buying auto insurance are definitely more than the cost, especially for larger claims. As of last year, the average driver in Illinois is wasting up to $820 a year so smart consumers compare quotes at every renewal to make sure the price is not too high.
Getting quotes from local Chicago auto insurance agents
Certain consumers just prefer to get professional advice from a licensed agent and that can be a smart move Good insurance agents are trained risk managers and help submit paperwork. The biggest benefit of getting free rate quotes online is that drivers can save money and get the lowest rates and also buy local. And providing support for local insurance agents is still important in Chicago.
Once you complete this simple form, your coverage information is submitted to local insurance agents who will give you bids for your insurance coverage. There is no reason to do any legwork due to the fact that quote results will go directly to your email. If you want to compare rates for a specific company, feel free to visit that company’s website and fill out the quote form the provide.
Independent or Exclusive: It’s your choice
When searching for a local agent, it helps to know the two different agency structures that differ in how they can insure your vehicles. Chicago agents can be classified as either exclusive or independent. Both types of agents can write policy coverage, but it’s worth mentioning how they differ since it may influence the selection process.
Independent Agencies or Brokers
Agents in the independent channel often have affiliation with several companies and that is an advantage because they can write policies with an assortment of companies and get you the best rates possible. If prices rise, an independent agent can move your coverage which makes it simple for you.
When comparing rate quotes, it’s recommended you get rate quotes from several independent agencies in order to have the best price comparison. Most also write with companies that do not advertise much which can be an advantage.
Below is a small list of independent insurance agencies in Chicago who may provide comparison quotes.
- Northwest Insurance Network Inc
4450 N Western Ave – Chicago, IL 60625 – (773) 433-3300 – View Map - Amigo Insurance Agency
5902 W Fullerton Ave – Chicago, IL 60639 – (877) 999-2644 – View Map - Beyer Insurance Agency
35 E Upper Wacker Dr #1730 – Chicago, IL 60601 – (312) 922-5300 – View Map
Exclusive Agents
These type of agents can usually just insure with one company like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are highly trained on what they offer and that can be a competitive advantage. Consumers often use the same exclusive agent partially due to high brand loyalty instead of buying on price only.
Below is a short list of exclusive insurance agencies in Chicago that are able to give rate quotes.
- Allstate Insurance: Maribel Marron
3060 W Armitage Ave – Chicago, IL 60647 – (773) 572-9495 – View Map - Peter Grande – State Farm Insurance Agent
1535 W Division St – Chicago, IL 60642 – (773) 270-4600 – View Map - Angela Roudez – State Farm Insurance Agent
1505 S State St – Chicago, IL 60605 – (312) 663-1820 – View Map
Picking the best insurance agency should include more criteria than just the quoted price. Ask your prospective agent these questions:
- Do they have cheaper tiers of coverage?
- Which companies do they recommend if they are an independent agency?
- Does the company allow you to choose your own collision repair facility?
- Are all drivers listed on the coverage quote?
- Will their companies depreciate repairs to your car based on the mileage?
- Can they provide you with a list of referrals?