2014 Acura TL Insurance Quotes

Shoppers have lots of choices when shopping for the best price on Acura TL insurance. They can either spend hours driving around to get rate comparisons or save time using the internet to find the lowest rates.

There is a better way to compare insurance coverage rates and we’ll show you the absolute fastest way to compare rates for your Acura and locate the lowest price from local insurance agents and online providers.

It’s a good habit to compare prices at least once a year because prices are adjusted regularly by insurance companies. Just because you had the lowest rates for TL coverage two years ago you can probably find a better rate quote now. There is too much inaccurate information about insurance coverage on the web, but you can learn some good information on how to save money.

If you have insurance now or are looking for a new policy, you can use this information to cut your premiums while maintaining coverages. This information will help educate you on the best way to quote coverages and some tricks to saving. Drivers only need to know the proper methods to shop over the internet.

How to buy car insurance online

There are a variety of methods to shop for car insurance, but some are less time-consuming than others. You could spend your day talking to local insurance agents in your area, or you can utilize the internet to achieve your goal.

Many of the larger companies belong to an insurance system that allows shoppers to submit their information once, and each participating company returns a rated price for coverage. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To find out how much you’re overpaying now click to open in new window.

The only drawback to getting quotes like this is you cannot specify which carriers to receive prices from. If you wish to select specific insurance companies to receive pricing from, we have a page of car insurance companies in your area. Click to view list.

The approach you take is up to you, just ensure you’re using the same coverage data on every price quote you get. If you compare different data it’s not possible to make an equal comparison.

More affordable rates with these discounts

Auto insurance companies don’t necessarily list every policy discount very clearly, so the below list has some of the more common as well as the least known discounts you could be receiving when you buy auto insurance online.

  • Bundle and Save – When you have multiple policies and place coverage with the same company you could get a discount of at least 10% off all policies.
  • More Vehicles More Savings – Buying insurance for several vehicles with the same company qualifies for this discount.
  • Senior Citizen Rates – Seniors may receive a small discount on rates for TL coverage.
  • Low Mileage – Low mileage vehicles could be rewarded with better premium rates on cars that stay parked.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts could see savings of 25 to 30%.
  • Good Student Discount – This discount may save you up to 25%. The good student discount can last until age 25.

Please keep in mind that many deductions do not apply the the whole policy. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, you’re out of luck.

A list of insurance companies and the discounts they provide include:

  • Farm Bureau may have discounts that include multi-vehicle, driver training, safe driver, good student, renewal discount, and youthful driver.
  • State Farm includes discounts for defensive driving training, good student, driver’s education, passive restraint, multiple autos, student away at school, and multiple policy.
  • Progressive has savings for multi-policy, homeowner, good student, online signing, online quote discount, multi-vehicle, and continuous coverage.
  • Allstate may offer discounts for good student, senior citizen, premier plus, new car, 55 and retired, and premier discount.
  • Nationwide offers discounts for anti-theft, defensive driving, Farm Bureau membership, accident-free, good student, and multi-policy.
  • MetLife policyholders can earn discounts including good driver, multi-policy, defensive driver, accident-free, and claim-free.

Before buying, ask every prospective company which discounts they offer. Depending on the company, some discounts may not apply in your area. If you would like to see a list of companies that offer discounts, click here to view.

Car insurance can be complex

When buying adequate coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions can aid in determining if your insurance needs will benefit from professional help.

  • Does car insurance cover theft of personal property?
  • Will I lose any money if I cancel my policy before it expires?
  • Are all vehicle passengers covered by medical payments coverage?
  • Should I buy full coverage?
  • How can I find cheaper teen driver insurance?
  • Am I insured when driving a different vehicle?
  • What can I do if my company won’t pay a claim?
  • Why am I required to buy high-risk coverage?
  • When should my teen driver be added to my policy?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can help protect your family.

Insurance prices are influenced by these factors

Many things are considered when quoting car insurance. Some of the criteria are obvious such as your driving history, but others are less obvious like where you live or your commute time.When buying insurance coverage it’s important to understand some of the things that are used to determine insurance coverage rates. When consumers understand what impacts premium levels, this allows you to make educated decisions that can earn you lower premium levels.

  • Get better rates if married – Having a significant other helps lower the price on your policy. It is viewed as being more mature than a single person and insurance companies like that married couples file fewer claims.
  • Low mileage costs less – The higher the mileage driven annually the more you’ll pay to insure your vehicle. A lot of insurance companies apply a rate determined by how the vehicle is used. Vehicles that have low annual miles receive better premium rates than vehicles that have high annual mileage. Verify your insurance coverage declarations sheet shows the proper vehicle usage, because it can save money. Having an incorrect usage rating on your TL can result in significantly higher rates.
  • Policy add-ons can waste money – Insurance companies have many extra coverages you can purchase if you aren’t diligent. Things like roadside assistance, better glass coverage, and Farm Bureau memberships are examples of these. These coverages may sound good when you first buy your policy, but if you have no use for them think about removing them and cutting costs.
  • Big cities have higher premiums – Having an address in a rural area is a positive aspect if you are looking for the lowest rates. Lower population translates into fewer accidents in addition to fewer liability claims. Residents of big cities tend to have more road rage incidents and longer commute times. More time on the road means more chances of being involved in an auto accident.
  • Reduce insurance coverage rates by driving vehicles with better crash test results – Safer cars tend to be cheaper to insure. Vehicles built for safety reduce injuries and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If the Acura TL has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
  • Qualify for multi-policy discounts – Many insurers afford a discount for people who carry more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it’s always a smart idea to check prices from other companies to help guarantee you have the best rates. It’s possible to still save money by splitting coverages up.
  • Claim-free discounts can add up – Auto insurance companies award discounts to insureds who file claims infrequently. If you are a frequent claim filer, you can look forward to much higher rates or policy non-renewal. Your car insurance is intended to be relied upon for the large, substantial claims.
  • Guys pay higher prices – Statistics have proven that females tend to be a little less risky than males. However, don’t assume that men are WORSE drivers than women. Women and men tend to get into at-fault accidents in similar percentages, but guys cause more damage and cost insurance companies more money. In addition to higher claims, males also receive more major tickets like driving under the influence (DUI). Young men ages 16 to 20 tend to get in the most accidents and therefore are the most expensive to insure.

Insurance coverages and their meanings

Having a good grasp of a insurance policy can be of help when determining the right coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like doctor visits, surgery, dental work, rehabilitation expenses and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2014 Acura TL.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different 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 total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as medical expenses, loss of income, court costs, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, vandalism and hitting a bird. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Saving money is sweet as honey

We just showed you many ways to compare 2014 Acura TL insurance premium rates online. The most important thing to understand is the more you quote auto insurance, the higher your chance of finding cheap auto insurance. Consumers could even find that the best price on insurance is with a smaller regional carrier.

As you restructure your insurance plan, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.

Insureds who switch companies do it for a variety of reasons including lack of trust in their agent, an unsatisfactory settlement offer, questionable increases in premium or even delays in paying claims. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

More detailed insurance information can be read by following these links: