2005 Acura TL Car Insurance Quotes – 7 Discounts for Best Rates

I doubt anyone anticipates paying for insurance, especially knowing they could lower their rates if they shopped around.

Online insurance companies like Geico, 21st Century and Progressive all claim big savings, bombarding you with ads and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

It is always a good idea to compare premium rates at least once a year since insurance prices change frequently. If you had the best rates on TL coverage two years ago you can probably find a lower rate today. Ignore everything you know about insurance because we’re going to show you the things you must know in order to properly buy coverages and cut your premium.

More affordable rates by taking advantage of these seven discounts

Companies don’t list all their discounts in an easy-to-find place, so we took the time to find some of the more common in addition to some of the lesser obvious discounts that you may qualify for.

• Early Renewal Discounts – Some insurance companies reward drivers for renewing your policy before your current coverage expires. The savings is around 10%.
• ABS Brakes – Cars with anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
• Safe Driver Discounts – Insureds who avoid accidents can save up to 40% or more on their insurance quote on TL coverage compared to rates paid by drivers with frequent claims.
• New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% because new model year vehicles have to meet stringent safety requirements.
• Driver Training Discounts – Passing a defensive driving course could save 5% or more and easily recoup the cost of the course.
• Seat Belt Discounts – Buckling up and requiring all passengers to buckle up before driving could cut 10% or more on the premium charged for medical payments and/or PIP.
• Low Miles Discount – Keeping the miles down on your Acura could qualify for discounted rates on garaged vehicles.

One last thing about discounts, most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

If you would like to view auto insurance companies with discount rates, follow this link.

How much is insurance coverage?

The majority of larger companies like Progressive, Allstate and Geico provide prices directly from their websites. Comparing prices online doesn’t take a lot of time because it’s just a matter of typing in your required coverages as detailed in the form. After the form is submitted, the quote system orders your driving and credit reports and generates pricing information determined by many factors. Quoting online makes comparing rates easy, but having to visit different websites and enter the same data into a form is repetitive and time-consuming. But it’s necessary to do this if you are searching for better prices.

A more efficient way to find lower prices uses just one form to return rates from a lot of companies. It saves time, eliminates repetitive work, and makes online price comparison much more efficient. Once the form is submitted, it is quoted and you can choose any or none of the quotes returned.

If a lower price is quoted, you can click and sign and buy the policy. The whole process only takes a few minutes and you will know how your current rates stack up.

To quickly find out how much you can save on insurance coverage, click here to open in a new tab and submit your coverage information. If you currently have coverage, we recommend you type in the limits and deductibles as close as possible to your current policy. This ensures you are getting a price comparison using the exact same coverages.

How much insurance coverage do I need?

When choosing coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique so this has to be addressed. These are some specific questions can aid in determining whether or not you might need an agent’s assistance.

• Am I insured when driving a different vehicle?
• Is my nanny covered when driving my vehicle?
• Is my custom paint covered by insurance?
• How does medical payments coverage work?
• Do I have coverage if my license is suspended?
• Is borrowed equipment or tools covered if stolen or damaged?
• When should my teen driver be added to my policy?
• Should I waive the damage coverage when renting a car?
• Who is covered by my policy?
• When should I not file a claim?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Coverages available on your policy

Having a good grasp of your car insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages offered by car insurance companies.

Liability coverages – Liability coverage will cover damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as attorney fees, loss of income and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Medical expense insurance – Med pay and PIP coverage kick in for bills such as prosthetic devices, funeral costs and doctor visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, a broken windshield and falling objects. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – This pays for damage to your TL caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sideswiping another vehicle, hitting a mailbox, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Acura TL.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

In conclusion

Budget-friendly car insurance is available online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers do not offer internet price quotes and usually these smaller companies sell through independent agencies.

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There have been many cases where someone dropped comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. The aim is to buy enough coverage at the best possible price while still protecting your assets.

To learn more, link through to the resources below:

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• Choosing an Insurance Company (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)
• Cellphones, Texting and Driving (iihs.org)