2002 Acura TL Car Insurance Quotes – 5 Tricks for Best Rates

Want lower car insurance rates for your Acura TL? Did you come to the realization that you have an expensive car insurance policy? Believe me, many consumers are in the same pinch. Insurance companies such as Progressive, State Farm and Geico constantly bombard you with catchy ads and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you are insured now or need a new policy, you can use this information to get lower rates and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers only need to know the most effective way to compare rates online.

Take advantage of these five rate-reducing discounts

Companies that sell car insurance don’t always publicize all their discounts very well, so the following is a list of both well-publicized and the more hidden credits available to you.

  • Low Miles Discount – Low mileage vehicles could qualify for cheaper prices.
  • Telematics Discount – Drivers who agree to allow their insurance company to analyze driving patterns remotely such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they have good driving habits.
  • Distant College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not take a car to college may be able to be covered for less.
  • Homeowners Pay Less – Owning your own home or condo can save you money because maintaining a house means you have a higher level of financial diligence.
  • Pay Upfront and Save – By making one initial payment rather than spreading payments over time you could save up to 5%.

Discounts save money, but please remember that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, it’s just not the way it works.

A few popular companies and their possible discounts include:

  • Geico may offer discounts for five-year accident-free, anti-lock brakes, daytime running lights, multi-policy, good student, federal employee, and multi-vehicle.
  • Auto-Owners Insurance offers premium reductions for mature driver, teen driver, air bags, anti-theft, good student, paperless, and anti-lock brakes.
  • American Family has savings for TimeAway discount, mySafetyValet, Steer into Savings, good driver, multi-vehicle, bundled insurance, and early bird.
  • Esurance discounts include anti-lock brakes, safety device, Pac-12 alumni, claim free, renters, paid-in-full, and Switch & Save.
  • Progressive offers discounts for good student, continuous coverage, multi-policy, online quote discount, online signing, and homeowner.
  • State Farm has discounts for good student, multiple policy, good driver, student away at school, and defensive driving training.
  • AAA policyholders can earn discounts including multi-car, multi-policy, AAA membership discount, education and occupation, and good student.

If you need cheap auto insurance quotes, ask every prospective company how many discounts you can get. Depending on the company, some discounts may not apply in your state.

But the ad said I’d save 15% in 15 minutes!

Consumers can’t get away from all the ads for auto insurance savings from the likes of Allstate, Geico and Progressive. All the ads make the point that drivers can save some big amount just by moving your policy.

How is it plausible that every one can give you a better price? This is the way they can do it.

Most companies have specific criteria for the right customer that will be a good risk. For instance, a desirable risk could be between 30 and 50, has a low-risk occupation, and does not commute to work. Anyone that matches those criteria receives the best rates and will most likely save a lot if they switch.

Drivers who fall outside this ideal profile will be quoted higher rates with the end result being the customer buying from someone else. If you pay close attention to the ads, they say “drivers who switch” but not “all drivers who get quotes” will save that much if they switch. This is how insurance companies can confidently make it sound like they have such great rates.

That is why it’s extremely important to get as many free auto insurance quotes as possible. It’s just not possible to know which insurance companies will be your best fit.

Do I need special coverages?

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. For example, these questions might help in determining if your situation could use an agent’s help.

  • Who is covered by my policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my 2002 Acura TL covered for flood damage?
  • When can my company non-renew my policy?
  • Does my car insurance cover rental cars?
  • Can I make deliveries for my home business?
  • What if I total my 2002 Acura TL and owe more than it’s worth?
  • Do I have coverage when using my vehicle for my home business?
  • When should I not file a claim?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverages

Having a good grasp of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverages found on the average insurance policy.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hitting a bird, falling objects and fire damage. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

This pays for damage to your TL from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sustaining damage from a pot hole, scraping a guard rail, backing into a parked car and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Liability coverage

Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical services, medical expenses, structural damage and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like doctor visits, nursing services and funeral costs. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

One last thing

We’ve covered a lot of information how to shop for 2002 Acura TL insurance online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Consumers could even find that the lowest auto insurance rates come from a smaller regional carrier. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

When getting auto insurance quotes online, do not skimp on critical coverages to save a buck or two. In many cases, drivers have reduced full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at the best price while still protecting your assets.

Cost effective 2002 Acura TL insurance is definitely available both online and also from your neighborhood agents, so you need to quote auto insurance with both to have the best rate selection. Some companies may not provide the ability to get quotes online and many times these smaller providers only sell coverage through independent insurance agencies.

To read more, take a look at the articles below: