2008 Acura TL Car Insurance Rates – 5 Ideas for Best Quotes

Are you at wits end from being strong-armed to pay car insurance each month? You have the same problem as many other vehicle owners.

Numerous car insurance companies battle for your hard-earned dollar, so it’s not easy to compare every provider to get the lowest cost out there.

Get cheaper insurance rates with discounts

Companies that sell car insurance don’t always advertise all possible discounts very well, so here is a list both well-publicized and also the more inconspicuous credits that may apply to you.

• Discount for New Cars – Adding a new car to your policy may earn a small discount because newer models keep occupants safer.
• Save over 55 – Drivers over the age of 55 are able to get a discount up to 10% for TL insurance.
• Military Rewards – Being deployed in the military may lower your premium rates slightly.
• Safe Drivers – Accident-free drivers can pay as much as 50% less for TL insurance compared to accident prone drivers.
• Professional Memberships – Having an affiliation with a qualifying organization may earn a discount on your bill.

A little disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, that’s just not realistic.

Insurance companies that may offer policyholders most of these discounts possibly include:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• Geico
• State Farm

If you want low cost insurance coverage quotes, ask each company or agent to apply every possible discount. All car insurance discounts might not be available to policyholders everywhere. To locate insurance companies offering insurance discounts, click this link.

How to get free insurance coverage quotes online

When shopping for cheap insurance coverage quotes, there are a couple of ways to compare quotes from all the different companies. The recommended way to comparison shop is to get quotes online. This is very easy and can be done in a couple of different ways.

The fastest and easiest way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This type of form keeps you from doing separate quote forms for each company. One simple form will return price quotes from many national carriers.

A slightly less efficient method to analyze rates requires a visit to each individual company website and go through the quote process again. For sake of this example, let’s say you want to view quotes from USAA, Farmers and State Farm. In order to get each rate, you would have to go to each individual site and repeatedly type in your coverage information, and that explains why we recommend the first method.

To view a list of companies in your area, click here.

The most time-consuming method of comparing rate quotes is to drive around to insurance agencies in your area. Shopping for insurance coverage online eliminates this option unless you prefer the professional guidance that can only be provided by a licensed insurance agent. Some companies do allow you to get the lowest quotes online but buy from a local insurance agent.

Whichever way you choose to compare rates, ensure you are comparing exactly the same coverages with each company. If you enter different data it’s impossible to find the best deal for your Acura TL. Just slight variations in limits could skew the results. Just remember that having more price comparisons gives you a better chance of getting better pricing. Some regional insurers cannot provide quotes online, so it’s important to also get price quotes on coverage from those companies, too.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions can aid in determining if your situation could use an agent’s help.

• How high should deductibles be on a 2008 Acura TL?
• Who is covered when they drive my 2008 Acura TL?
• If my pet gets injured in an accident are they covered?
• What if I total my 2008 Acura TL and owe more than it’s worth?
• Is pleasure use cheaper than using my 2008 Acura TL to commute?
• Am I insured when driving a different vehicle?
• Am I covered if my car is in a flood?
• How much can I save by bundling my policies?
• Is business property covered if stolen from my car?
• Does my medical payments coverage pay my health insurance deductible?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance coverage basics

Knowing the specifics of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.

Comprehensive or 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 and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as theft, a broken windshield, vandalism, hitting a bird and hail damage. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Liability coverage

This protects you from damage that occurs to people or other property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like pain and suffering, attorney fees, medical services, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your 2008 Acura TL.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for doctor visits, hospital visits, EMT expenses, X-ray expenses and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Take this to the bank

We covered quite a bit of information on how to shop for 2008 Acura TL insurance online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from an unexpected company. They may only write in your state and offer lower premium rates as compared to the big name companies such as Progressive and Geico.

As you quote insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. In many cases, an accident victim reduced liability coverage limits only to discover later that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

More tips and info about auto insurance can be read by following these links:

• Frontal Crash Tests (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• What is Full Coverage? (Allstate)
• Vehicle Insurance in the U.S. (Wikipedia)