Car Insurance Quotes for an Acura RL in San Francisco

We don’t have to point out that fact that car insurance companies don’t want you to look at other companies. People who compare rates at least once a year will probably move their business because there is a good chance of finding a lower-priced policy. A recent survey found that people who faithfully checked for cheaper rates saved as much as $3,400 over four years compared to those who never compared prices.

If finding budget-friendly rates on car insurance in San Francisco is your ultimate target, then having a grasp of how to shop and compare coverages can save money and time.

Insurance rates Acura RL in San FranciscoThe most effective way to get budget Acura RL insurance in San Francisco is to regularly compare quotes from insurance carriers who sell insurance in California.

Step 1: Take a little time to learn about what is in your policy and the factors you can control to prevent expensive coverage. Many things that increase rates like traffic violations and a substandard credit score can be rectified by improving your driving habits or financial responsibility.

Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO and State Farm, while independent agents can quote prices from multiple insurance companies.

Step 3: Compare the new rate quotes to your current policy to determine if switching companies saves money. If you can save some money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Provide notification to your current agent or company of your intent to cancel your current policy and submit payment and a signed application for your new policy. Be sure to safely store the certificate of insurance with your vehicle’s registration.

A good tip to remember is that you’ll want to compare similar limits and deductibles on every quote request and and to get rate quotes from as many auto insurance providers as possible. Doing this guarantees a fair price comparison and a complete price analysis.

If you are insured now or are just looking to switch companies, use these techniques to buy cheaper insurance without sacrificing coverage. Locating the best rates in San Francisco is quite easy. Shoppers just have to learn the tricks to compare rates over the internet.

Verify you’re applying every discount

Car insurance companies do not list every discount they offer in an easy-to-find place, so the below list has some of the best known and also the lesser-known discounts you could be receiving when you buy San Francisco car insurance online. If you are not receiving all the discounts you qualify for, you could be paying more than you need to.

Drivers should understand that most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.

The information below shows the comparison of Acura RL yearly insurance costs with and without discounts. The price estimates are based on a male driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, multi-car, marriage, and safe-driver discounts applied.

Large insurance companies and some of their more popular discounts are included below.

If you are trying to find low cost San Francisco car insurance quotes, ask every prospective company to give you their best rates. Some discounts listed above might not be offered on policies in San Francisco.

How to lower your Acura RL insurance cost in San Francisco, CA

Most major insurance companies such as State Farm, Allstate and GEICO make it easy to get coverage price quotes on their websites. The process is fairly simple as you just enter your personal and coverage information as requested by the quote form. After the form is submitted, their rating system will obtain information on your driving record and credit history and provides a quote determined by many factors. Being able to quote online for Acura RL insurance in San Francisco makes it easy to compare insurance prices and it is imperative to do this in order to find a lower rate.

If you want to fill out one form to compare multiple rates now, compare rates from the companies below. If you have a policy now, it’s recommended you enter the limits and deductibles as shown on your current policy. This ensures you will be getting a fair comparison based on identical coverages.

The companies shown below provide free rate quotes in San Francisco, CA. If multiple companies are listed, we recommend you get price quotes from several of them in order to find the cheapest rates.

Premium rates and analysis

The rate information displayed next covers different rate quotes for Acura RL models. Having a good grasp of how prices are determined can assist in making smart buying decisions.


Acura RL Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $516 $1212 $534 $32 $160 $2,454 $205
RL 3.7 with Tech Package $516 $1212 $534 $32 $160 $2,454 $205
RL 3.7 with Tech/CMBS Package $516 $1212 $534 $32 $160 $2,454 $205
Get Your Own Custom Quote Go

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in zip code location which can alter price quotes significantly.

Should you raise deductibles?

One of the most common insurance questions is where should you set your physical damage deductibles. The rates shown below can help show the rate fluctuation when you buy lower versus higher coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.


Acura RL insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $474 $882 $442 $26 $132 $1,981 $165
RL 3.7 with Tech Package $474 $882 $442 $26 $132 $1,981 $165
RL 3.7 with Tech/CMBS Package $474 $882 $442 $26 $132 $1,981 $165
Get Your Own Custom Quote Go

Acura RL insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RL 3.7 $292 $556 $442 $26 $132 $1,448 $121
RL 3.7 with Tech Package $292 $556 $442 $26 $132 $1,448 $121
RL 3.7 with Tech/CMBS Package $292 $556 $442 $26 $132 $1,448 $121
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rates do not factor in garaging location in San Francisco which can change rates greatly.

Based on these figures, using a $250 deductible will cost in the ballpark of $44 more each month or $528 each year than quoting the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 17 months between claims, you would more than likely save some money if you opt for a higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $165
Average monthly premium for $1,000 deductibles (subtract): – $121
Monthly savings from raising deductible: $44
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $44
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important issue to know is that raising deductibles means you will have to pay more at claim time. You must have some extra savings in the event you need to pay the deductible for vehicle repair.

The diagram below shows how different deductible levels and can raise or lower Acura RL insurance rates for different insured age categories. The data assumes a single female driver, full physical damage coverage, and no policy discounts are applied.

Insurance cost for men versus women

The chart below illustrates the difference between Acura RL insurance costs for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

How much more does full coverage cost?

The example below shows the comparison of Acura RL insurance premiums with liability coverage only compared to full coverage. The premiums are based on no tickets, no at-fault accidents, $100 deductibles, single status, and no discounts are factored in.

When to stop paying for full coverage

There is no definitive formula for phasing out physical damage insurance, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Acura RL replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after paying your policy deductible. If it’s costing in excess of $300 a year to have full coverage, then it might be time to buy liability only.

There are a few cases where dropping physical damage coverage is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not drop full coverage.

Exclusive or independent insurance agencies

A small number of people still like to buy from a local agent and doing that can be a smart decision Good agents are trained to spot inefficiencies and help in the event of a claim. A good thing about comparing car insurance online is the fact that drivers can get cheap rate quotes but still work with a licensed agent. And supporting neighborhood agents is still important in San Francisco.

Insurance agents in San FranciscoBy using this short form, the quote information is submitted to companies in San Francisco who will give you bids and help you find cheaper coverage. It’s much easier because you don’t need to do any legwork because quoted prices will be sent immediately to you. If you need to get a price quote from one company in particular, just go to their quote page and submit a quote form there.

Insurance agent types

When searching for a good San Francisco insurance agent, it can be helpful to understand the different agency structures and how they function. Car insurance agents can be categorized as either independent agents or exclusive agents. Either one can sell affordable car insurance policies, but it is important to understand the subtle differences because it can impact which agent you choose.

Independent Agents

These agents are not locked into one company and that gives them the ability to insure with any number of different companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they simply move the coverage in-house and the insured can keep the same agent. When comparing car insurance rates, you absolutely need to compare quotes from at a minimum one independent agency to get the best comparison.

Below is a small list of independent insurance agents in San Francisco that can possibly get you cheap rate quotes.


3372 22nd StSan Francisco, CA 94110(415) 282-5888View Map


329 Bryant StSan Francisco, CA 94107(415) 371-1398View Map


2085 Van Ness AveSan Francisco, CA 94109(415) 440-5136View Map

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Exclusive Car Insurance Agencies

Exclusive agents can only write with one company such as State Farm, Allstate and AAA. Exclusive agents cannot shop your coverage around so they have to upsell other benefits. Exclusive agents are well schooled on their products and sales techniques and that can be a competitive advantage.

Shown below is a list of exclusive agencies in San Francisco that are able to give price quotes.


1250 Missouri St Unit 305San Francisco, CA 94107(415) 872-5734View Map


5214 Diamond Heights Blvd iSan Francisco, CA 94131(415) 282-5558View Map


2121 19th Ave Ste 102San Francisco, CA 94116(415) 566-9400View Map

View more agents

Picking the best car insurance agent should depend on more than just a low price. Get answers to these questions too.

Why you need quality insurance for your Acura RL

Even though it can be expensive, maintaining insurance may not be optional for several reasons.

The benefits of carrying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. The average driver in America is overpaying more than $869 every year so smart consumers compare quotes at least once a year to help ensure money is not being wasted.

Parts of your car insurance policy

Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types offered by car insurance companies.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for pain medications, nursing services and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for liability – This protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 15/30/5 that means you have a $15,000 limit per person for injuries, $30,000 for the entire accident, and $5,000 of coverage for damaged property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims such as repair bills for other people’s vehicles, court costs, pain and suffering and loss of income. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford. California state law requires minimum liability limits of 15/30/5 but drivers should carry more coverage.

The chart below shows why buying the state minimum limits may not be adequate.

Collision coverage – Collision coverage will pay to fix damage to your RL resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible on your RL to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Acura RL.

Since many California drivers only carry the minimum required liability limits (which is 15/30/5), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, hitting a deer and theft. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Do the work, save more money

As you quote San Francisco car insurance, make sure you don’t reduce needed coverages to save money. There have been many cases where an insured cut liability coverage limits only to discover later they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage for the lowest cost while still protecting your assets.

We just covered many ideas to shop for Acura RL insurance online. The key thing to remember is the more companies you get car insurance rates for, the better chance you’ll have of finding affordable San Francisco car insurance quotes. Consumers could even find that the lowest rates are with a lesser-known regional company. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.

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