How Much Does 2014 Acura TL Insurance Cost?

Beginners to price shopping insurance online will find shopping for the lowest-priced auto insurance quite challenging.

Consumers need to compare rates quite often because rates trend upward over time. Just because you found the best deal on TL insurance a few years ago a different company probably has better rates today. Don’t believe everything you read about auto insurance on the web, but I’m going to show you some great ways to find cheap auto insurance.

Auto Insurance Prices Online

There are a lot of ways you can shop for auto insurance but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to complete one form, and each participating company returns a competitive quote. This prevents consumers from doing form submissions for each company. To access this free quoting program, click to open in new window.

One minor caviat to using this type of system is you cannot specify which carriers you want to price. So if you prefer to choose individual companies to compare rates, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

Whichever way you use, compare the exact same coverage limits for every company. If you use unequal deductibles or liability limits it’s impossible to make a fair comparison for your Acura TL. Quoting even small variations in insurance coverages may result in large price differences. And when comparing auto insurance rates, know that quoting more will enable you to find lower pricing.

Discounts are basically free money

Car insurance can cost a lot, but you may find discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but a few must be specially asked for in order for you to get them.

  • Multiple Policy Discount – If you have multiple policies with one company you may save up to 20% off your total premium.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Life Insurance Discount – Larger companies have lower rates if you buy life insurance from them.
  • Drive Less and Save – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Early Signing – Some insurance companies reward drivers for buying a policy before your current policy expires. This can save 10% or more.

Consumers should know that some credits don’t apply the the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will bring down the cost of coverage.

A partial list of companies who might offer these discounts are:

Check with every prospective company how you can save money. Savings may not be available in your state.

Some factors that can determine what Acura TL insurance costs

An important part of buying insurance is that you know the different types of things that help determine car insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that can help you get big savings.

The following are some of the items used by your company to calculate your rates.

  • How your age affects price – Young drivers tend to be more careless behind the wheel so car insurance rates are higher. Adding a teen driver onto your car insurance can be very expensive. Older drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations.
  • Safer cars cost less to insure – Safer cars get lower rates. These vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If the Acura TL earned at least four stars on or an “acceptable” rating on it is probably cheaper to insure.
  • Liability insurance protects assets – The liability section of your policy is the protection in the event that a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Where you live is a factor – Residing in a rural area can save you money when talking about car insurance. Fewer people means fewer accidents as well as less vandalism and auto theft. City drivers have traffic congestion and longer commute times. More time commuting can result in more accidents.
  • Drive less and save money – The more miles you rack up on your Acura in a year the higher your rates will be. Most insurance companies rate vehicles based on their usage. Cars that are left in the garage qualify for better rates compared to those used for work or business. If your policy improperly rates your TL can result in significantly higher rates. Verify your car insurance policy properly reflects how each vehicle is driven.
  • Higher deductibles cost less – Physical damage deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some instances where coverage would apply are running into the backend of another car, damage from fire, and rolling your vehicle. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance on TL insurance.
  • Policy add-ons can waste money – There are a ton of add-on coverages that you can get tricked into buying on your TL policy. Things like rental car reimbursement, accidental death and additional equipment coverage are some examples. They may seem good at first, but now you might not need them so remove them from your policy.

Which insurance is the “right” coverage?

When buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Each situation is unique.

These are some specific questions may help you determine whether you might need an agent’s assistance.

  • Does my medical payments coverage pay my health insurance deductible?
  • If my 2014 Acura TL is totaled, can I afford another vehicle?
  • Does my policy pay for OEM or aftermarket parts?
  • Does car insurance cover theft of personal property?
  • Should I buy more coverage than the required minimum liability coverage?
  • When should I drop full coverage on my 2014 Acura TL?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Information about specific coverages

Understanding the coverages of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Auto liability insurance

Liability insurance will cover damage or injury you incur to a person or their property in an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like funeral expenses, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a 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 can pay for claims such as colliding with a tree, hitting a parking meter, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for 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 important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses for things like surgery, pain medications, EMT expenses, rehabilitation expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, damage from a tornado or hurricane, hail damage, theft and hitting a deer. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

What is YOUR best insurance company?

As you shop your coverage around, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced physical damage coverage and found out when filing a claim they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Drivers switch companies for many reasons like an unsatisfactory settlement offer, denial of a claim, extreme rates for teen drivers or unfair underwriting practices. It doesn’t matter what your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

Cheaper 2014 Acura TL insurance can be bought on the web in addition to many insurance agents, so compare prices from both to have the best rate selection. Some auto insurance companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

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