1996 Acura TL Insurance Quotes – 7 Tips to Save

Searching for cheaper insurance rates for your Acura TL? Nobody looks forward to buying insurance, especially when they are aware that they are paying too much.

Vehicle owners have many car insurance companies to buy insurance from, and although it’s a good thing to have a selection, lots of choices makes it harder to compare company pricing.

Insurance coverage quotes comparison

Performing a rate comparison can be a lot of work if you don’t know the most efficient way. You can waste a few hours (or days) driving to insurance companies in your area, or you could use online quotes to get rates in a matter of minutes.

Most car insurance companies are enrolled in a marketplace that enables customers to submit one quote, and every company returns a rated price based on that data. This system prevents you from having to do repetitive form submissions to each individual insurance coverage company.

To participate in this free quote system, click here to open in new window.

The one disadvantage to comparing rates this way is that you can’t choose which providers to get quotes from. So if you prefer to choose specific insurance companies to compare rates, we have a page of the cheapest insurance coverage companies in your area. View list of insurance companies.

Whichever way you use, be certain you are entering the exact same coverage limits for each quote you get. If each company quotes mixed coverages it will be next to impossible to determine which rate is truly the best. Even a minor difference in insurance coverages can make a big difference in price. And when quoting insurance coverage, remember that comparing more quotes helps increase your odds of locating a better price.

Slash your auto insurance rates with these seven discounts

Auto insurance companies don’t list the complete list of policy discounts very well, so the following list contains some of the best known and the more hidden credits available to you.

• ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and earn discounts up to 10%.
• Bundle and Save – If you combine your auto and homeowners policies with the same company you could get a discount of nearly 15% which can help you find affordable insurance coverage.
• Drivers Education – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it can save substantially.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more.
• Discounts for Multiple Vehicles – Having several vehicles with one company qualifies for this discount.
• E-sign – A few companies will provide an incentive for buying your policy over the internet.
• Discount for Good Grades – A discount for being a good student may save you up to 25%. Earning this discount can benefit you up to age 25.

Don’t be shocked that most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. Despite the appearance that you can get free auto insurance, it’s just not the way it works. Any qualifying discounts will definitely reduce the premium cost.

Large auto insurance companies and a selection of discounts are included below.

• 21st Century offers discounts including student driver, good student, 55 and older, automatic seat belts, and driver training.
• Progressive may offer discounts for multi-vehicle, continuous coverage, online quote discount, online signing, good student, and multi-policy.
• State Farm includes discounts for accident-free, passive restraint, safe vehicle, anti-theft, good student, and defensive driving training.
• Nationwide may have discounts that include anti-theft, defensive driving, business or organization, accident-free, family plan, and good student.
• Esurance has savings for multi-policy, multi-car, homeowner, renters, good student, and Switch & Save.
• The Hartford offers premium reductions for driver training, air bag, anti-theft, vehicle fuel type, bundle, and good student.

Before you buy a policy, ask every prospective company what discounts are available to you. Discounts may not apply to policies in your area. To locate auto insurance companies that offer many of these discounts, click here to view.

You are unique and your insurance should be too

When buying the best insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help you determine whether you may require specific advice.

• Are rental cars covered under my policy?
• I have health insurance so do I need medical payments coverage?
• What if I owe more than I can insure my car for?
• If my 1996 Acura TL is totaled, can I afford another vehicle?
• How much can I save by bundling my policies?
• Does my 1996 Acura TL need full coverage?
• Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Auto insurance coverages

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types offered by auto insurance companies.

Liability insurance

Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as legal defense fees, medical services, loss of income, structural damage and bail bonds. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Coverage for collisions

This will pay to fix damage to your TL from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, hitting a mailbox and sideswiping another vehicle. 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 bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, damage from flooding, theft and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like dental work, EMT expenses, funeral costs and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Acura TL.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.