1999 Acura TL Insurance Quotes – 8 Tricks for Cheapest Rates

Searching for cheaper insurance rates for your Acura TL? No one rejoices having to buy insurance, in particular when the cost is way too high. People have so many insurers to buy insurance from, and although it’s nice to have a choice, it makes it harder to find the best rates for your vehicles.

It’s a good habit to compare rates as often as possible since insurance prices go up and down regularly. If you had the lowest quotes for TL coverage at your last renewal you can probably find a better rate now. Forget anything you know (or think you know) about insurance because you’re about to find out one of the quickest ways to buy cheaper insurance.

Lower rates by qualifying for these eight discounts

Some companies don’t always publicize the complete list of policy discounts very well, so we break down both well-publicized and the more hidden credits available to you. If you check and find you aren’t receiving every discount you qualify for, it’s possible you qualify for a lower rate.

  • Bundled Policy Discount – If you have multiple policies with one insurance company you will save up to 20% off your total premium.
  • Homeowners Discount – Just owning your own home may earn you a small savings because maintaining a house requires personal responsibility.
  • Anti-theft Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Discounts for New Vehicles – Insuring a vehicle that is new can save up to 30% because newer models are generally safer.
  • Defensive Driver – Successfully completing a course teaching safe driver skills is a good idea and can lower rates if your company offers it.
  • Early Switch Discount – Some larger companies give discounts for buying a new policy before your current coverage expires. You can save around 10% with this discount.
  • No Claim Discounts – Good drivers with no accidents pay less in comparison with bad drivers.
  • Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.

Remember that some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky.

Companies and the discounts they provide are outlined below.

  • State Farm includes discounts for student away at school, multiple autos, passive restraint, multiple policy, anti-theft, driver’s education, and safe vehicle.
  • GEICO offers premium reductions for military active duty, anti-theft, anti-lock brakes, good student, membership and employees, driver training, and emergency military deployment.
  • SAFECO has savings for anti-lock brakes, homeowner, teen safe driver, safe driver, teen safety rewards, accident prevention training, and drive less.
  • Farmers Insurance offers discounts including teen driver, electronic funds transfer, pay in full, youthful driver, distant student, and alternative fuel.
  • AAA discounts include education and occupation, pay-in-full, good driver, multi-car, multi-policy, AAA membership discount, and anti-theft.
  • USAA offers discounts for safe driver, new vehicle, loyalty savings, vehicle storage, driver training, and annual mileage.

Before you buy a policy, ask each insurance company how many discounts you can get. Discounts might not apply in your area.

Auto insurance is unique, just like you

When buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions can help discover if you might need professional guidance.

  • Does my policy pay for OEM or aftermarket parts?
  • Do I need an umbrella policy?
  • Is extra glass coverage worth it?
  • Does coverage extend to a rental car in a foreign country?
  • I have a DUI can I still get coverage?
  • What is the minimum liability in my state?
  • What is medical payments coverage?
  • Will filing a claim cost me more?
  • Is my state a no-fault state?
  • Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with 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. It is quick, free and can help protect your family.

Car insurance coverage basics

Having a good grasp of car insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages offered by car insurance companies.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, fire damage, hitting a deer and hitting a bird. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like dental work, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Acura TL.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability car insurance

This coverage will cover damage that occurs to other people or property. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as attorney fees, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Auto collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like driving through your garage door, hitting a mailbox, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Be a penny pincher

When getting insurance coverage quotes online, you should never reduce coverage to reduce premium. There are many occasions where an accident victim reduced physical damage coverage only to regret that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.

Budget-friendly auto insurance is attainable online and also from your neighborhood agents, so you need to shop insurance coverage with both to have the best rate selection. There are still a few companies who may not have internet price quotes and most of the time these smaller companies only sell through independent insurance agents.

Throughout this article, we presented a lot of ways to save on 1999 Acura TL insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your car insurance rates. Consumers could even find that the lowest rates are with a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.

Additional resources