2013 Acura TL Insurance Rates

Trying to find cheaper insurance coverage rates for your Acura TL? Consumers who are new to the process of buying insurance online might discover buying cut-rate insurance coverage is more work than they anticipated.

How to reduce 2013 Acura TL insurance rates

Car insurance is not cheap, buy you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically when you quote, but a few must be specially asked for before you will receive the discount.

  • Auto/Home Discount – If you have multiple policies with one company you could get a discount of at least 10% off all policies.
  • Student Driver Training – Have your child take driver’s ed class in high school.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Federal Employees – Active or retired federal employment can save as much as 8% for TL coverage with a few insurance companies.
  • Sign Early and Save – Some insurance companies reward drivers for switching policies prior to your current policy expiring. It can save you around 10%.
  • Discount for Life Insurance – Some companies give better rates if you take out life insurance.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.

Keep in mind that most credits do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way. But all discounts will bring down the amount you have to pay.

A partial list of companies that may offer some of the above discounts include:

Check with all companies you are considering which discounts they offer. Discounts might not be offered in your state.

Factors determining your Acura TL insurance premium

Smart consumers have a good feel for the rating factors that play a part in calculating your insurance coverage rates. Understanding what influences your rates allows you to make educated decisions that can help you get big savings.

Shown below are a few of the “ingredients” companies use to determine your rates.

  • Marriage pays dividends – Having a spouse actually saves money on your insurance coverage policy. Having a significant other means you’re more mature than a single person and statistics show being married results in fewer claims.
  • More than one policy can earn a discount – Most insurance coverage companies will give a discount to insureds who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even though this discount sounds good, you may still want to compare other company rates to ensure the best deal. You may still be able to find better rates by buying insurance from more than one company.
  • Poor driving leads to higher costs – Even a single ticket may increase your cost forty percent or more. Drivers with clean records receive lower rates than people who have multiple driving citations. Drivers who get severe violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • Equipment add-ons that lower insurance coverage rates – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Lower rates come with age – Mature drivers are more responsible, tend to cause fewer accidents and get fewer tickets. Teen drivers are known to be less responsible in a vehicle therefore insurance coverage rates are much higher.
  • Rural vs Urban Areas – Choosing to live in less populated areas can save you money when talking about insurance coverage. Fewer drivers means reduced accidents as well as less vandalism and auto theft. Drivers in populated areas have traffic congestion and a longer drive to work. More time commuting means higher likelihood of an accident.

Tailor your coverage to you

When choosing proper insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether you could use an agent’s help.

  • Does my personal policy cover me when driving out-of-state?
  • What exactly is covered by my policy?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is medical payments coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my nanny covered when driving my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • Is my state a no-fault state?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Beware of misleading insurance ads

State Farm, Geico and Progressive constantly bombard you with ads in print and on television. All the companies make the same claim that you can save if you switch your policy. How do they all make almost identical claims? It’s all in the numbers.

Different companies can use profiling for the driver that earns them a profit. For instance, a desirable insured might be between the ages of 40 and 55, has no prior claims, and has excellent credit. Any driver who meets those qualifications gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who do not match the “perfect” profile will be charged higher prices which leads to business going elsewhere. The ads state “customers that switch” not “everybody who quotes” save money. This is how insurance companies can make those claims.

That is why you absolutely need to quote coverage with many companies. Because you never know which company will give you the biggest savings on Acura TL insurance.

Coverages available on your policy

Understanding the coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, rock chips in glass, falling objects and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance – This 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, and doesn’t 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 values of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. 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 coverage pays for claims such as structural damage, pain and suffering, medical expenses and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Collision – This coverage will pay to fix damage to your TL resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, backing into a parked car, hitting a parking meter, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses like prosthetic devices, ambulance fees, EMT expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Do the work, save more money

We covered a lot of tips how to shop for 2013 Acura TL insurance online. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. Consumers may even find the best prices are with a lesser-known regional company.

Budget-conscious insurance can be sourced online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some auto insurance companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

When shopping online for auto insurance, never reduce needed coverages to save money. Too many times, someone dropped physical damage coverage and learned later that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at an affordable rate.

Additional auto insurance information can be found below: