Cheaper 2014 Acura TL Insurance Rates

Looking for the cheapest insurance rates for your Acura TL? Are you tired of paying out the nose each month for car insurance? You are in the same boat as many other drivers.

Because there are so many insurance providers from which to choose, it is hard for the average consumer to find the most affordable company.

Consumers need to shop coverage around periodically because prices are variable and change quite frequently. If you had the best price for TL insurance two years ago other companies may now be cheaper. So forget anything you know (or think you know) about insurance because you’re going to learn how to use the internet to reduce your cost while increasing coverage.

Buying car insurance is easy if you know what you’re doing. If you have car insurance now, you stand a good chance to be able to save some money using this information. But consumers must comprehend how companies market insurance on the web.

Compare Insurance Costs

All major insurance companies such as Allstate, GEICO and Progressive quote prices online. Getting online quotes is quite simple as you just type in your personal and coverage information as detailed in the form. Once you submit the form, the company’s rating system automatically retrieves credit information and your driving record and generates a price based on these factors. This simplifies rate comparisons, but having to visit several different sites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to perform this step in order to find the best price possible.

A more efficient way to locate the lowest prices utilizes a single form to return rates from multiple companies. It saves time, eliminates repetitive work, and makes comparison shopping much more enjoyable. Immediately after submitting the form, it is quoted and you can choose your choice of the quote results. If you find a better price you can click and sign and purchase the new policy. This process takes 15 minutes at the most and you’ll know if lower rates are available.

To quickly compare rates now, simply click here to open in new window and enter your information. If you have coverage now, it’s recommended you type in the coverage information identical to your current policy. This makes sure you will have comparison quotes based on similar coverages.

Do drivers who switch really save $408 a year?

Companies like Allstate, GEICO and Progressive consistently run ads in print and on television. All the ads make the same claim of big savings if you change your policy. How do they all make almost identical claims? It’s all in the numbers.

All the different companies have a preferred profile for the right customer that makes them money. For instance, a driver they prefer might be over the age of 40, insures multiple vehicles, and drives less than 7,500 miles a year. A driver who meets those qualifications will get the preferred rates and is almost guaranteed to save a lot of money.

Potential insureds who don’t meet these standards will be quoted a more expensive rate and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “people who quote” save that kind of money. That’s why insurance companies can advertise the way they do. This emphasizes why you should get a wide range of price quotes. Because you never know the company that will have the lowest Acura TL insurance rates.

Lower rates by qualifying for discounts

Companies offering auto insurance don’t list every discount very well, so we break down some of the more common and also the lesser-known discounts you could be receiving.

  • Homeowners Discount – Owning a house can help you save on car insurance because maintaining a house is proof that your finances are in order.
  • No Charge for an Accident – Some insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up to age 25.
  • College Student – Kids in college who are attending college without a vehicle on campus can receive lower rates.
  • Club Memberships – Affiliation with a qualifying organization could qualify you for a break when buying car insurance for TL insurance.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off for TL insurance with a few car insurance companies.
  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way.

To see a list of providers who offer car insurance discounts, follow this link.

Car insurance is unique, just like you

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique and your policy should reflect that. For instance, these questions may help highlight if you will benefit from professional help.

  • How do I file an SR-22 for a DUI in my state?
  • Does liability extend to a camper or trailer?
  • Are split liability limits better than a combined single limit?
  • Why do I need rental car insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Are my friends covered when driving my car?
  • Does my insurance cover a custom paint job?
  • Does insurance cover damages from a DUI accident?
  • When can my company non-renew my policy?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Auto insurance coverage specifics

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average auto insurance policy.

Liability insurance

This provides protection from damage or injury you incur to a person or their property. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like structural damage, bail bonds, loss of income and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, a tree branch falling on your vehicle, fire damage, damage from getting keyed and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with a tree, colliding with another moving vehicle, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as nursing services, surgery, chiropractic care, ambulance fees and prosthetic devices. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM Coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Acura TL.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Don’t throw your cash in the trash

We just presented quite a bit of information on how to save on 2014 Acura TL insurance. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from some of the smallest insurance companies. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive and GEICO.

Cheaper insurance is possible from both online companies in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

Helpful resources