How Much Does 1999 Acura TL Insurance Cost?

Consumers have lots of choices when looking for low-cost Acura TL insurance. You can either spend your time contacting agents trying to get quotes or save time using the internet to make rate comparisons.

There is a better way to compare auto insurance rates so you’re going to learn the quickest way to quote coverages for a new or used Acura and locate the lowest possible price from local insurance agents and online providers.

It’s smart to get comparison quotes every six months due to the fact that insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest quotes for TL coverage six months ago there is a good chance you can find better rates now. Ignore everything you know about auto insurance because you’re going to learn how to use the internet to reduce your cost while increasing coverage.

These discounts can slash insurance coverage rates

Some companies don’t always list their entire list of discounts in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known insurance coverage savings.

• Life Insurance Discount – Some insurance coverage companies give better rates if you take out some life insurance in addition to your auto policy.
• Anti-theft Discount – Vehicles with anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
• Student Driver Training – Have your child enroll and complete driver’s education if offered at their school.
• Mature Driver Discount – Drivers over the age of 55 can possibly qualify for a small discount on rates for TL coverage.
• Service Members Pay Less – Having a family member in the military could mean lower rates.

Don’t be surprised that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts should help reduce your insurance coverage premiums.

A list of insurance coverage companies and a summarized list of policyholder discounts can be found below.

• State Farm offers discounts including good student, passive restraint, defensive driving training, anti-theft, multiple policy, good driver, and safe vehicle.
• Farmers Insurance may offer discounts for electronic funds transfer, youthful driver, pay in full, good student, and multi-car.
• Progressive has savings for online signing, multi-vehicle, homeowner, multi-policy, online quote discount, and good student.
• Geico may include discounts for seat belt use, driver training, anti-theft, membership and employees, and federal employee.
• Auto-Owners Insurance offers premium reductions for anti-theft, teen driver, air bags, safe vehicle, and anti-lock brakes.
• The Hartford policyholders can earn discounts including driver training, bundle, good student, anti-theft, defensive driver, vehicle fuel type, and air bag.
• Farm Bureau includes discounts for renewal discount, multi-policy, driver training, 55 and retired, good student, and multi-vehicle.
• USAA discounts include annual mileage, vehicle storage, military installation, good student, and loyalty savings.

It’s a good idea to ask all companies you are considering which credits you are entitled to. All car insurance discounts may not apply in your state. To see insurers that provide some of the discounts listed above, click here.

First Step: Get free car insurance quotes

Most major insurance companies such as Geico, State Farm and Progressive allow consumers to get insurance quotes on the web. This process doesn’t take much effort as you simply enter your coverage information into the form. After you submit the form the quote system obtains reports for credit and driving violations and returns a price based on these factors.

This makes it easy to compare insurance prices but the time it takes to visit many different websites and type in the same data is repetitive and time-consuming. But it’s also necessary to compare as many rates as possible if you are searching for lower prices.

A more efficient way to lower your car insurance bill requires only one form that gets price quotes from many companies. The form is fast, eliminates repetitive work, and makes online price comparison much simpler. After sending your information, your coverage is rated with multiple companies and you can pick any one of the resulting price quotes.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The whole process can be completed in less than 10 minutes and may save quite a bit of money.

If you want to find out what other companies charge, click here and begin entering your coverage information. To compare your current rates, we recommend you enter coverages and limits just like they are on your policy. This helps ensure you will be getting rate quotes based on identical coverages.

Components of your Acura TL insurance premiums

Lots of things are used in the calculation when pricing auto insurance. Some of the criteria are obvious such as your driving record, but other criteria are not quite as obvious such as your credit history or your commute time.

The factors shown below are some of the most common factors companies use to determine your prices.

• Low deductibles cost more – Your deductibles state the amount of money you are willing to pay if the claim is covered. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered are collision with another vehicle, fire damage, and damage caused by road hazards. The more money you pay before a claim is paid (deductible), the lower your rates will be for TL coverage.
• How much liability insurance – The liability coverage on your policy will afford coverage when you are found liable for damages caused by your negligence. This coverage provides you with a defense in court to attempt to prove you were not liable. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Less chance of injury means lower rates – Cars with high safety ratings tend to have lower insurance rates. These vehicles reduce the chance of injuries and lower rates of occupant injuries translates into savings for insurance companies and lower rates for you. If the Acura TL is rated at a minimum four stars on Safercar.gov you may qualify for a discount.
• Older drivers pay less – Youthful drivers are statistically proven to be inattentive and easily distracted with other occupants in the car so they pay higher insurance coverage rates. Older people are proven to be safer behind the wheel, tend to file fewer claims and get fewer tickets.
• How’s your driving record? – Being a careful driver has a huge affect on how much you pay. Having a single speeding ticket could increase your next policy renewal forty percent or more. Careful drivers get better prices compared to bad drivers. Drivers who have dangerous violations like DUI or reckless driving may need to submit a SR-22 form with their state DMV in order to legally drive a vehicle.
• Don’t abuse insurance coverage claims – Companies generally give the lowest premiums to insureds who are claim-free. If you are a frequent claim filer, you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is intended to be relied upon for the large, substantial claims.
• Vehicle features can affect premiums – Selecting a car model with a theft deterrent system can save you some money. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.

When do I need an agent’s advice?

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Every situation is different.

For instance, these questions may help highlight whether you would benefit from professional advice.

• What is roadside assistance coverage?
• Is motorclub coverage worth it?
• Do I need higher collision deductibles?
• Is my 1999 Acura TL covered for smoke damage?
• Do I need medical payments coverage since I have good health insurance?
• What happens if I owe more than my 1999 Acura TL is worth?
• What is PIP insurance?
• Do I need to file an SR-22 for a DUI in my state?
• Do I benefit by insuring my home with the same company?
• Is business property covered if stolen from my car?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Brand name doesn’t guarantee savings

Consumers constantly see and hear ads that promise big savings for switching by Geico, State Farm and Progressive. All the companies have a common claim that drivers can save some big amount just by switching your coverage.

How do they all say the same thing? Just pay attention to how they say it.

Different companies can use profiling for the type of customer that makes them money. An example of a profitable risk profile might be described as over the age of 35, carries full coverage, and the vehicle is rated for pleasure use. Any new insured who matches that profile will get a cheap rate quote and therefore will save a lot of money.

Insureds who cannot meet those criteria will be quoted a more expensive rate which usually ends up with the customer buying from a different company. The ads state “people who switch” not “everyone who quotes” will save that much if they switch. This is how companies can truthfully advertise the way they do.

This really illustrates why it’s extremely important to do a price quote comparison at every renewal. It is impossible to predict the company that will have the best prices at this point in time.

Specific coverages for an Acura TL

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Liability insurance

This will cover damages or injuries you inflict on other’s property or people in an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as emergency aid, legal defense fees and loss of income. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, hail damage and vandalism. 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 it’s probably time to drop comprehensive insurance.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses for hospital visits, nursing services, prosthetic devices, X-ray expenses and doctor visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance will pay to fix damage to your TL from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, crashing into a ditch, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

One last thing

When shopping online for insurance coverage, don’t be tempted to skimp on coverage in order to save money. There have been many cases where an insured cut liability limits or collision coverage and discovered at claim time that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at the best price, but do not skimp to save money.

We’ve covered some good ideas how you can save on 1999 Acura TL insurance. The key concept to understand is the more providers you compare, the higher your chance of finding affordable car insurance. You may even discover the lowest prices are with a small local company.

Cheap 1999 Acura TL insurance is available on the web and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not offer online quoting and most of the time these smaller companies prefer to sell through independent agents.

Additional detailed information can be found at these sites:

• Understanding Rental Car Insurance (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• How to Avoid Staged Accidents (State Farm)
• Older Driver Statistics (Insurance Information Insitute)