2018 Acura TLX Car Insurance Rates – 7 Policy Discounts

Are you drained from not being able to scrape enough together to keep your car insured? Your situation is no different than many other drivers.

There is such a variety of insurers to insure vehicles with, and though it is a good thing to be able to choose, it makes it harder to get the best deal.

Consumers should take time to get comparison quotes before your next renewal because prices are rarely the same from one policy term to another. Just because you found the best deal on TLX coverage last year you may be paying too much now. Forget all the misinformation about auto insurance because I’m going to teach you the easiest way to find lower rates on auto insurance.

Insurance coverage policy discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that many consumers don’t even know exist. Certain credits will be shown when you purchase, but once in a while a discount must be requested specifically prior to receiving the credit.

Discount for Life Insurance – Larger insurance companies have a small discount if you purchase some life insurance too.
Telematics Devices – Insureds who allow their company to spy on where and when they drive by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as the data is positive.
Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in high school.
Good Student – Performing well in school can save 20 to 25%. This discount can apply up until you turn 25.
Claim-Free Discount – Insureds who avoid accidents and claims can earn big discounts as opposed to policyholders that have many claims.
Discounts for New Vehicles – Adding a new car to your policy can get you a discount due to better safety requirements for newer vehicles.
E-sign – A few companies may give you up to $50 just for signing your application online.

It’s important to understand that most discount credits are not given to the entire cost. Some only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears you could get a free insurance coverage policy, nobody gets a free ride.

Larger insurance coverage companies and some of the discounts include:

Geico has savings for anti-theft, federal employee, air bags, driver training, membership and employees, and anti-lock brakes.
USAA offers discounts for good student, annual mileage, multi-vehicle, multi-policy, and family discount.
Progressive may include discounts for online signing, continuous coverage, online quote discount, multi-policy, good student, multi-vehicle, and homeowner.
American Family discounts include good driver, mySafetyValet, accident-free, air bags, Steer into Savings, and TimeAway discount.
Esurance offers premium reductions for anti-lock brakes, multi-car, homeowner, Pac-12 alumni, emergency road assistance, and online quote.
Farmers Insurance offers discounts including youthful driver, alternative fuel, early shopping, teen driver, and distant student.
State Farm includes discounts for accident-free, multiple autos, defensive driving training, driver’s education, student away at school, anti-theft, and passive restraint.

When comparing rates, check with each company or agent to apply every possible discount. Some discounts listed above might not be available to policyholders in your area. To see insurance coverage companies who offer free insurance coverage quotes, follow this link.

Compare auto insurance price quotes

Effectively comparing auto insurance prices can be exhausting if you don’t utilize the easiest way. You can waste a few hours (or days) talking to insurance agencies in your area, or you could use online quotes to get rates in a matter of minutes.

Most of the best insurance companies enroll in a system where insurance shoppers complete one form, and at least one company provides a quote based on that information. This system prevents you from having to do quote forms for every auto insurance company.

To find out how much you can save on auto insurance click here to start a free quote.

The one disadvantage to comparing rates this way is you don’t know exactly which carriers you want pricing from. So if you prefer to choose specific providers to compare rates, we have a page of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but try to keep exactly the same coverage limits for each comparison quote. If you use unequal deductibles or liability limits it will be impossible to make a fair rate comparison. Slightly different insurance coverages or limits can mean a large discrepancy in price. And when price shopping your coverage, comparing more company’s prices helps increase your odds of locating more affordable insurance. Not every company does prices over the internet, so it’s recommended that you also compare price estimates from those companies as well.

How do I know if I need professional advice?

When choosing the best insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine whether you would benefit from professional advice.

Do I need PIP (personal injury protection) coverage in my state?
What is the minimum liability in my state?
Is my custom paint covered by insurance?
Does medical payments coverage apply to all occupants?
Where can I find high-risk insurance?
Will my vehicle be repaired with OEM or aftermarket parts?
Can I afford to buy a different vehicle if my 2018 Acura TLX is totaled?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

The coverage is in the details

Knowing the specifics of your insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are the normal coverages available from insurance companies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for expenses for things like chiropractic care, pain medications and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability – This coverage can cover damage or injury you incur to other’s property or people in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as bail bonds, pain and suffering, medical services and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Acura TLX.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision – This pays for damage to your TLX resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sustaining damage from a pot hole, hitting a mailbox, colliding with a tree, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage – Comprehensive insurance pays for 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 coverage pays for things such as falling objects, damage from getting keyed, fire damage, a tree branch falling on your vehicle and a broken windshield. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

And the best car insurance company is…

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced full coverage only to discover later that the savings was not a smart move. The goal is to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.

In this article, we covered many tips how you can lower your 2018 Acura TLX insurance rates. It’s most important to understand that the more quotes you get, the higher your chance of finding affordable car insurance. Consumers could even find that the lowest rates are with a smaller regional carrier. Smaller companies can often provide lower auto insurance rates in certain areas compared to the large companies like State Farm and Allstate.