2003 Acura TL Insurance Cost – 10 Ideas for Best Prices

Finding more affordable prices on Driversinsurance may be frustrating for drivers not familiar with buying insurance online. There are so many companies to choose from that it can easily become a lot of work to locate the lowest prices.

How much is auto insurance?

Effectively comparing auto insurance prices is a ton of work if you don’t utilize the best way to get rate quotes. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you can stay home and use the web to accomplish the same thing much quicker.

Many companies participate in an industry program where prospective buyers only type in their quote data once, and every company can provide price quotes. This eliminates the need for form submissions for each company you want a rate for.

To use this form to compare rates click here (opens in new window).

The one downside to using this type of system is you are unable to specify which providers to get pricing from. If you prefer to choose individual companies to receive pricing from, we have assembled a list of auto insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make darn sure you compare the exact same quote data with every price quote. If you have higher or lower deductibles it’s impossible to determine the best price for your Acura TL. Slightly different coverage limits could throw off the whole comparison. And when price shopping your coverage, more quotes will enable you to find better pricing.

Get cheaper insurance coverage rates with discounts

The price of auto insurance can be rather high, but you might already qualify for some discounts that you may not know about. Some of these disounts will be visible at quote time, but some may not be applied and must be asked for before you get the savings.

  • Telematics Discount – Insureds that choose to allow data collection to spy on where and when they drive through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may see discounts as long as the data is positive.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • E-sign Discounts</strong – A handful of larger companies may give you up to $50 get car insurance online.
  • Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase life insurance.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Defensive Driver Discounts – Participating in a defensive driver course could cut 5% off your bill and easily pay for the cost of the class.
  • Home Ownership Discount – Owning a house may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.
  • One Accident Forgiven – This one isn’t a discount, but companies like State Farm and Allstate will let one accident slide before they charge you more for coverage as long as you don’t have any claims for a certain period of time.

You should keep in mind that many deductions do not apply to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, nobody gets a free ride.

A list of insurance coverage companies and a partial list of their discounts can be found below.

  • State Farm may have discounts that include anti-theft, defensive driving training, Steer Clear safe driver discount, multiple policy, Drive Safe & Save, and passive restraint.
  • Liberty Mutual policyholders can earn discounts including new vehicle discount, safety features, good student, teen driver discount, and newly retired.
  • American Family has discounts for Steer into Savings, TimeAway discount, bundled insurance, defensive driver, and mySafetyValet.
  • Progressive may offer discounts for continuous coverage, online quote discount, multi-vehicle, multi-policy, good student, and homeowner.
  • Farmers Insurance includes discounts for multi-car, good student, early shopping, homeowner, and switch companies.
  • Auto-Owners Insurance discounts include group or association, paperless, anti-theft, safe vehicle, and multiple vehicles.
  • SAFECO offers premium reductions for teen safe driver, multi-car, teen safety rewards, homeowner, accident prevention training, and anti-lock brakes.

Before buying, ask each insurance company which discounts they offer. All car insurance discounts may not apply to policyholders everywhere. To find insurance coverage companies that offer discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique.

For example, these questions might help in determining if your situation might need professional guidance.

  • What can I do if my company denied a claim?
  • Do I pay less for low miles?
  • Is my 2003 Acura TL covered for flood damage?
  • Will filing a claim cost me more?
  • How does medical payments coverage work?
  • What if I owe more than I can insure my car for?
  • Do all my vehicles need collision coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered if my car is in a flood?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Coverage specifics

Having a good grasp of your auto insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people 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.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding 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 insurance covers things like backing into a parked car, sideswiping another vehicle, crashing into a ditch, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a bird, hail damage, theft and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance

This can cover damages or injuries you inflict on a person or their property in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against things such as medical expenses, legal defense fees and emergency aid. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for bills like dental work, funeral costs, chiropractic care, hospital visits and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Saving money makes a lot of cents

We just showed you many ways to shop for 2003 Acura TL insurance online. The key thing to remember is the more companies you get auto insurance rates for, the better your chances of lowering your auto insurance rates. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising.

When shopping online for car insurance, never buy less coverage just to save a little money. Too many times, an accident victim reduced liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.

Low-cost 2003 Acura TL insurance can be found from both online companies as well as from insurance agents, and you should be comparing both so you have a total pricing picture. A few companies may not have online quoting and usually these smaller providers provide coverage only through independent agencies.

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Comments About 2003 Acura TL Insurance

  1. Tristan Pennington

    Located in West Valley City, UT. Don’t remember every company but I ended up saving about $20 each month. I used their website to get prices. It’s only liability tho.

  2. Thelma Butler

    I got decent rates for a 2003 Acura TL in Reno, NV. Ended up at roughly $80 every six months with Amica. Wish I didn’t have to insure at all. I’m thinking about dropping full coverage though.

  3. Emily Chase

    I live just outside Frederick, Maryland. Quoted a bunch of companies. Saved about $20 a month. GEICO was the cheapest for me. Was with AIG Insurance. Even increased my liability limits.

  4. Lezlie Henry

    In Charlotte, NC, Amica had the best rates for my 2003 Acura TL. Insured with USAA before. I get multi-vehicle and multi-policy discounts. I just quoted rates online.

  5. Suzi Barr

    Are 21st Century rates cheap in Rhode Island?

  6. Shaun Mayer

    Here’s my quote info. From south side of Oklahoma City, Oklahoma. Compared rates from a lot of places. Saved darn near $30 a month. State Farm was the cheapest option for me. Insured with American Family before. Highly recommended.

  7. Fernande Jones

    Great site. I live on the west side of Kansas City, Kansas. Got quotes from GMAC, Auto-Owners, Safeco, and a couple others for my TL and I’m now saving $25 a month. :) I don’t insure for physical damage though.

  8. Tracy Rosario

    Does GEICO use ACV or replacement cost?

  9. Shalanda Browning

    I live on the west side of Grand Forks, North Dakota. I compared lots of rates. Saved right around $20 a month. 21st Century was the most affordable for me. Insured with GEICO before. I just quoted rates online.

  10. Tora Long

    Here’s my info. I’m in the south part of Las Vegas, Nevada. Got car insurance rates from GEICO, AIG Insurance, and Eastwood for my 2003 Acura TL and I’m now saving $23 a month.