Lower Your 2013 Acura TL Insurance Quotes

Searching for better insurance coverage rates for your Acura TL? Locating better insurance prices for your Acura TL can turn out to be a painful process, but you can use a few tricks and make it easy.

There is a better way to buy insurance coverage so you’re going to learn the best way to get price quotes for a new or used Acura and find the cheapest rates from local insurance agents and online providers.

Smart consumers take time to get comparison quotes once or twice a year due to the fact that insurance rates are adjusted regularly by insurance companies. If you had the lowest price on TL coverage six months ago you will most likely find a better rate today. So block out anything you think you know about insurance coverage because you’re going to learn how to use online quotes to properly buy coverages and cut your premium.

If you have a policy now or are shopping for new coverage, you can use this information to reduce the price you pay and possibly find even better coverage. Locating the cheapest insurance is simple if you know the tricks. Drivers just need to learn the most effective way to compare rates over the internet.

How to Compare Car Insurance Costs

Comparing car insurance rates can be a lot of work if you don’t utilize the easiest way. You can spend your afternoon driving to local insurance agents in your area, or you could use online quoting to get rate comparisons in just a few minutes.

Many companies participate in an industry program where prospective buyers send in one quote, and each company provides a quote based on the submitted data. This eliminates the need for form submissions for each company.

To use this form to compare 2013 Acura TL insurance rates click here (opens in new window).

The single downside to getting quotes like this is you can’t choose the companies to get quotes from. If you wish to select from a list of companies to receive pricing from, we have assembled a list of companies who write car insurance in your area. Click here to view list.

It’s up to you how you get prices quotes, just be sure to compare exactly the same coverages and limits with each company. If you use different liability limits you will not be able to make a fair comparison for your Acura TL.

Insurance ads bend the truth

Consumers can’t ignore all the ads that promise big savings from the likes of State Farm, GEICO and Progressive. All the ads have a common claim that you’ll save big if you switch your coverage to them.

How do they all make almost identical claims? This is how they do it.

All the different companies can use profiling for the driver that earns them a profit. A good example of a preferred risk might be a mature driver, has no prior claims, and has a short commute. A customer getting a price quote that hits that “sweet spot” will get very good rates and therefore will save when switching.

Drivers who don’t meet this ideal profile must pay a more expensive rate and this can result in business going elsewhere. The ad wording is “customers that switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can claim big savings.

This illustrates why it is so important to get a wide range of price quotes. It’s just too difficult to predict which insurance companies will give you the biggest savings on Acura TL insurance.

These factors can influence what you pay for Acura TL insurance

Smart consumers have a good feel for the factors that come into play when calculating your auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that could result in lower auto insurance prices.

  • Bad driving skills means higher rates – Whether or not you get tickets has a huge affect on how much you pay. Only having one citation may increase your cost by twenty percent. Drivers with clean records receive lower rates than people who have multiple driving citations. Drivers with severe tickets like hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
  • Do men or women drive better? – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women cause accidents in similar percentages, but the men cause more damage. Men also statistically get more serious tickets such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
  • Rural vs Urban Areas – Residing in small towns and rural areas can be a good thing when insuring your vehicles. Urban drivers regularly have much more traffic and longer commute times. Fewer people translates into fewer accidents as well as less vandalism and auto theft.
  • Your stress level may be raising your rates – Did you know that where you work can have an impact on rates? Jobs such as real estate brokers, executives and accountants tend to have higher rates than average attributed to job stress and long work days. On the flip side, professions such as scientists, athletes and performers receive lower rates on TL coverage.
  • Don’t get talked into coverage you don’t need – There are quite a few extra bells and whistles that you can get tricked into buying on your TL policy. Coverages like rental car reimbursement, accidental death and motor club memberships may be wasting your money. These may sound like a good investment at first, but if you don’t need them get rid of them and save.
  • Clean credit earns discounts – A driver’s credit score is a big factor in determining your rates. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings. So if your credit score is low, you could be paying less to insure your 2013 Acura TL by improving your rating.
  • Pay less after the wedding – Having a spouse can get you a discount on your auto insurance policy. Having a significant other means you’re more mature and statistics show being married results in fewer claims.
  • One company can mean more discounts – The majority of companies provide better rates to people who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you may still want to compare rates to make sure you are getting the best deal. Consumers may find better rates by insuring with multiple companies.

Don’t overlook these discounts

Car insurance can cost a lot, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but a few need to be asked for in order for you to get them. If you aren’t receiving every discount possible, you are throwing money away.

  • Senior Citizens – Older drivers may receive reduced rates on TL coverage.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you will save 10% to 20% off each policy.
  • Safe Drivers – Safe drivers can pay as much as 50% less on TL coverage than their less cautious counterparts.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Student in College – Children living away from home attending college without a vehicle on campus can receive lower rates.

Drivers should understand that most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way. But any discount will cut your overall premium however.

Car insurance companies that may offer some of the above discounts may include but are not limited to:

Double check with each insurance company which discounts they offer. Some discounts might not apply in your area.

Is my situation unique?

When choosing coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions may help highlight if you would benefit from an agent’s advice.

  • How does medical payments coverage work?
  • Do I need special endorsements for business use of my vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I pay less for low miles?
  • How much underlying liability do I need for an umbrella policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does insurance cover tools stolen from my truck?
  • Does my car insurance cover rental cars?
  • Am I covered if I break a side mirror?
  • Can I get a multi-policy discount?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can help protect your family.

Auto insurance coverage information

Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, damage from getting keyed, a tree branch falling on your vehicle, damage from a tornado or hurricane and hail damage. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

This covers damage to your TL resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as driving through your garage door, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Acura TL.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills such as dental work, EMT expenses, X-ray expenses and funeral costs. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Liability insurance

Liability coverage protects you from injuries or damage you cause to people or other property by causing an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as funeral expenses, attorney fees, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Money doesn’t grow on trees

Cheap 2013 Acura TL insurance can be bought online and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. The aim is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Consumers who switch companies do it for many reasons like delays in paying claims, being labeled a high risk driver, not issuing a premium refund or unfair underwriting practices. It doesn’t matter what your reason, choosing a new insurance company can be easier than you think.

Additional information can be found on the following sites: