2006 Acura TL Insurance Quotes

Trying to find the cheapest auto insurance rates for your Acura TL? Sick and tired of scraping the payment together to buy car insurance? You’re in the same situation as many other drivers.

Many car insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the lowest rate possible.

Verify you’re getting all your discounts

Companies that sell car insurance do not list every discount in a way that’s easy to find, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using.

  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you may save 10% to 20% off each policy.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • No Charge for an Accident – A few companies will forgive one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Low Mileage – Driving fewer miles can earn better rates on cars that stay parked.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

It’s important to understand that most discounts do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.

For a list of insurance companies offering auto insurance discounts, follow this link.

Car Insurance Quote Comparison

When shopping for car insurance there are multiple ways to compare rate quotes from different insurance companies. One of the best ways to compare 2006 Acura TL insurance prices is to perform an online rate comparison. This is very easy and can be done using a couple different methods.

  • Probably the best way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This type of form saves time by eliminating separate quotes for every car insurance company. In just a few minutes this one form compares rates instantly.
  • A slightly less efficient method to compare rate quotes requires you to visit the website of each company and complete a new quote form. For examples sake, let’s assume you want to compare Nationwide, 21st Century and Allstate. To get each rate you have to visit each site and enter your information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

  • The least recommended method to compare rates is driving around to different agent offices. Buying insurance online eliminates the need for an insurance agent unless you prefer the trained guidance that only a license agent can provide. Drivers can get prices online but still have the advice of a local agent and you’ll learn how to do that later.

Which method you use is up to you, but make sure you use the exact same coverage limits and deductibles for every quote you compare. If you use different liability limits you will not be able to determine which rate is truly the best. Having just a slight variation in coverages can mean a large discrepancy in price. And when comparison shopping, comparing a large number of companies will increase your chances of finding better pricing.

When should I talk to an agent?

When choosing adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. For example, these questions might point out if you could use an agent’s help.

  • Do I have coverage for damage caused while driving under the influence?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What can I do if my company denied a claim?
  • Is my nanny covered when driving my vehicle?
  • When can my company non-renew my policy?
  • Do I need added coverage for expensive stereo equipment?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I buy additional glass protection?
  • Am I covered if I hit a deer?
  • Does having multiple vehicles earn me a discount?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Specific coverages for an Acura TL

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for chiropractic care, EMT expenses and X-ray expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Acura TL.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, damage from a tornado or hurricane and theft. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability insurance

This can cover damages or injuries you inflict on other’s property or people 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 liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as legal defense fees, emergency aid, funeral expenses, medical services and pain and suffering. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Make a quick buck

We’ve covered some good ideas how you can get a better price on 2006 Acura TL insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the best prices are with an unexpected company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Allstate, GEICO and Progressive.

While you’re price shopping online, it’s a bad idea to reduce needed coverages to save money. There have been many cases where an accident victim reduced liability limits or collision coverage only to regret that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.

More detailed insurance coverage information can be read at these sites: