1997 Acura TL Car Insurance Cost – 7 Tricks for Cheaper Prices

Want cheaper auto insurance rates for your Acura TL? Nobody looks forward to buying auto insurance, especially knowing the cost is too high. With consumers having so many options, it is hard for the average consumer to pick the right car insurance company.

Companies offer discounts so take them!

Properly insuring your vehicles can get expensive, but you can get discounts that you may not know about. Certain discounts will be applied when you complete an application, but a few must be asked about before you will receive the discount. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Claim Free – Claim-free drivers pay much less as compared to drivers who are more careless.
  • Senior Discount – Older drivers can possibly qualify for better car insurance rates on TL coverage.
  • Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you will save at least 10% off all policies.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Resident Student – Children who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Driver Safety – Successfully completing a course in driver safety can save you 5% or more depending on where you live.

A little note about advertised discounts, some credits don’t apply the the whole policy. Most cut the price of certain insurance coverages like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will cut the amount you have to pay.

For a list of providers offering car insurance discounts, click this link.

How to Get Auto Insurance

All the larger auto insurance companies allow you to get price estimates on the web. Getting online quotes doesn’t take a lot of time as you just type in your required coverages as requested by the quote form. Behind the scenes, the system will obtain reports for credit and driving violations and returns a price quote based on many factors. Being able to quote online makes it a lot easier to compare rates but the time it takes to visit multiple sites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to do this in order to find the lowest possible prices on auto insurance.

A quicker way to locate the lowest prices uses one simple form to get prices from many companies. The form is fast, reduces the work, and makes quoting online much more enjoyable and efficient. Immediately after submitting the form, it gets priced with multiple companies and you can pick any or none of the quote results.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. This process can be completed in a matter of minutes and can result in significant savings.

In order to use this form to compare rates, click here to open in a new tab and enter your information. If you have coverage now, it’s recommended you copy deductibles and limits identical to your current policy. This helps ensure you will get comparison quotes based on similar coverages.

Do I just need basic coverages?

When it comes to buying coverage, there really is not a one size fits all plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might point out if you would benefit from an agent’s advice.

  • Will my insurance pay for OEM parts?
  • Do I need higher collision deductibles?
  • Which is better, split liability limits or combined limits?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I sign the liability waiver when renting a car?
  • Can I get a multi-policy discount?
  • What companies insure drivers after a DUI or DWI?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Detailed coverages of your insurance policy

Learning about specific coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Acura TL.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like theft, damage from a tornado or hurricane, damage from flooding, a tree branch falling on your vehicle and fire damage. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as X-ray expenses, prosthetic devices, chiropractic care and hospital visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Auto collision coverage

This covers damage to your TL from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a parking meter, backing into a parked car, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability coverage

Liability coverage provides protection from damage that occurs to people or other property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

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 policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like structural damage, repair costs for stationary objects and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Buy Smart and Save

As you restructure your insurance plan, make sure you don’t skimp on coverage in order to save money. In many instances, an accident victim reduced collision coverage and found out when filing a claim that it was a big mistake. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

Low-cost 1997 Acura TL insurance is definitely available both online and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some auto insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Additional auto insurance information can be found at these links: