1997 Acura TL Car Insurance Rates

Looking for the cheapest car insurance rates for your Acura TL? Tired of robbing Peter to pay Paul to insure your Acura every month? You are in the same boat as many other drivers. There is such a variety of car insurance companies to pick from, and though it is a good thing to have a choice, it makes it harder to find a good deal.

Consumers need to get comparison quotes on a regular basis since prices fluctuate regularly. If you had the lowest rates for TL coverage two years ago other companies may now be cheaper. You’ll find quite a bit of inaccurate information about car insurance on the internet, but in this article, you’re going to get some proven techniques to find cheap car insurance.

Locating the best protection is easy if you know what you’re doing. If you have insurance now or are looking for a new policy, you can use this information to reduce the price you pay while maintaining coverages. Consumers only need an understanding of the best way to compare company rates over the internet.

How to buy auto insurance online

Finding a better price on auto insurance is a fairly straight forward process. You just need to spend a few minutes on the computer comparing rates to find. This can be done by using one of the methods below.

  1. The recommended way to find low rates is to use a rate comparison form (click to open form in new window). This quick form eliminates the need for a different quote for every prospective company. In just a few minutes this one form gets rate comparisons from multiple low-cost companies.
  2. A less efficient way to shop for auto insurance online is to manually visit the website for every company you want to comare and repeat the quote process. For instance, let’s say you need rates from USAA, Safeco and Travelers. To get rate quotes you would need to go to every website and repeatedly enter your information, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just be certain you are entering identical quote information with every price quote. If each company quotes different deductibles it will be nearly impossible to determine the best price for your Acura TL.

Switch companies and save? Really?

Consumers can’t get away from all the ads for cheaper auto insurance by State Farm and Allstate. All the companies have a common claim of big savings just by switching your policy.

That’s great but how can every company charge lower premium rates? Just pay attention to how they say it.

Companies have specific characteristics for the right customer that earns them a profit. An example of a desirable insured could be between the ages of 30 and 50, has other policies, and has excellent credit. Any customer who meets those qualifications will get the preferred prices and will probably cut their rates if they switch.

People who fall outside the “perfect” profile may be forced to pay more expensive rates and ends up with the customer not buying. If you pay close attention to the ads, they say “drivers that switch” not “everyone that quotes” save that much. That’s why companies can truthfully make claims like that.

Because of this risk profiling, it’s extremely important to quote coverage with many companies. It is just not possible to predict which company will be your best fit.

Insurance coverage quotes and discounts

Insurance coverage is easily one of your largest bills, but you might find some hidden discounts to cut the cost considerably. Most are applied at the time of purchase, but some must be specially asked for in order for you to get them.

  • New Vehicle Savings – Buying a new car instead of a used car can save up to 30% because new model year vehicles are generally safer.
  • Low Mileage – Keeping the miles down on your Acura can qualify you for better insurance coveragerates on cars that stay parked.
  • Multiple Cars – Buying a policy with all your vehicles with one company could earn a price break for each car.
  • Save over 55 – Drivers over the age of 55 can possibly qualify for a small decrease in premiums for TL coverage.
  • Professional Memberships – Joining specific professional or occupational memberships or organizations can get you a small discount on your policy.
  • Waiver for an Accident – This one isn’t a discount, but some insurance companies allow you one accident without raising rates as long as you don’t have any claims prior to being involved in the accident.
  • No Claims – Insureds with no claims or accidents have much lower rates as compared to frequent claim filers.
  • Include Life Insurance and Save – Select companies reward you with a break if you buy auto and life insurance together.

As a footnote on discounts, most credits do not apply to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, that’s just not realistic.

A few popular companies and a partial list of their discounts can be found below.

  • State Farm has discounts for multiple policy, accident-free, safe vehicle, good driver, and good student.
  • American Family may have discounts that include bundled insurance, multi-vehicle, good student, Steer into Savings, early bird, and accident-free.
  • AAA policyholders can earn discounts including pay-in-full, good driver, anti-theft, multi-policy, and education and occupation.
  • GEICO discounts include daytime running lights, federal employee, emergency military deployment, multi-policy, and air bags.
  • Mercury Insurance may offer discounts for anti-theft, good student, accident-free, good driver, low natural disaster claims, location of vehicle, and annual mileage.
  • Farmers Insurance has savings for alternative fuel, bundle discounts, business and professional, pay in full, distant student, mature driver, and multi-car.
  • Progressive offers premium reductions for online signing, homeowner, multi-policy, good student, and continuous coverage.

When quoting, ask each company or agent how you can save money. Some credits might not be offered on policies in your state. To see a list of companies who offer insurance coverage discounts, click here to view.

Situations that may require an agent’s advice

When choosing the right insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining whether or not you might need an agent’s assistance.

  • What is medical payments coverage?
  • When should I remove comp and collision on my 1997 Acura TL?
  • Do I need an umbrella policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Who is covered when they drive my 1997 Acura TL?
  • Will filing a claim cost me more?
  • Do I have coverage when making deliveries for my home business?
  • What is the difference between comprehensive and collision coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Car insurance specifics

Understanding the coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages available from car insurance companies.

Liability coverages

Liability insurance will cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as funeral expenses, legal defense fees and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like X-ray expenses, doctor visits, rehabilitation expenses, hospital visits and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Coverage for collisions

This coverage will pay to fix damage to your TL from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, backing into a parked car, colliding with another moving vehicle, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally these limits are set the same as your liablity limits.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, hitting a deer, rock chips in glass and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

A fool and his money are soon parted

In this article, we covered a lot of information how to shop for 1997 Acura TL insurance online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest car insurance rates are with a lesser-known regional company. Smaller companies may have significantly lower premium rates on certain market segments than their larger competitors like GEICO and State Farm.

As you shop your coverage around, never reduce needed coverages to save money. There have been many cases where drivers have reduced liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

More detailed insurance coverage information can be found by following these links: