2014 Acura TL Insurance Rates – 7 Tips for Best Quotes

Want the cheapest car insurance rates for your Acura TL? Have you had enough of sacrificing other expenses each month for car insurance? Your situation is no different than millions of other drivers. Numerous auto insurance companies battle to insure your vehicles, and it can be difficult to compare rates to get the lowest cost out there.

You need to compare premium rates at least once a year since prices change frequently. Just because you found the lowest price on TL insurance six months ago you can probably find a lower rate today. Ignore everything you know about car insurance because you’re about to learn the best way to buy cheaper car insurance.

Seven discounts for lower-cost insurance coverage rates

Some insurers don’t always publicize all their discounts in an easy-to-find place, so the following list contains some of the more common in addition to some of the lesser obvious credits available to bring down your rates.

  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen so companies will give you a small discount.
  • Multi-Vehicle Discounts – Having primary and secondary vehicles on a single policy qualifies for this discount.
  • Telematics Devices – Drivers that enable their insurance coverage company to track driving habits by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they show good driving skills.
  • ABS Braking Discount – Cars with ABS and/or traction control have fewer accidents and the ABS can save up to 10%.
  • Government Employee Discount – Simply working for the federal government can earn a discount up to 10% on TL insurance with some insurance coverage companies.
  • Multiple Policy Discount – If you can bundle your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Cautious Drivers – Safe drivers can get discounts for up to 45% lower rates on TL insurance as compared to drivers with claims.

We need to note that most of the big mark downs will not be given to your bottom line cost. Most only cut specific coverage prices like collision or personal injury protection. Even though the math looks like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Popular insurance coverage companies and a summarized list of policyholder discounts are detailed below.

  • GEICO has savings for emergency military deployment, driver training, anti-theft, air bags, and anti-lock brakes.
  • Travelers may have discounts that include multi-policy, IntelliDrive, payment discounts, continuous insurance, student away at school, new car, and driver training.
  • Farm Bureau discounts include multi-policy, good student, safe driver, 55 and retired, and driver training.
  • Liberty Mutual policyholders can earn discounts including multi-policy, safety features, newly retired, new graduate, and multi-car.
  • American Family offers discounts including good student, defensive driver, bundled insurance, Steer into Savings, and air bags.
  • Progressive includes discounts for homeowner, multi-vehicle, multi-policy, online quote discount, online signing, continuous coverage, and good student.

Before purchasing a policy, check with every company which discounts can lower your rates. Some discounts listed above might not apply in every state. For a list of insurers that offer the discounts shown above, click this link.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help you determine if you will benefit from professional help.

  • Am I covered when driving someone else’s vehicle?
  • Does my 2014 Acura TL need full coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I put collision coverage on all my vehicles?
  • Do I need special endorsements for business use of my vehicle?
  • Is my state a no-fault state?
  • Does car insurance cover theft of personal property?
  • Do I have coverage for damage caused while driving under the influence?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Specific coverages for a 2014 Acura TL

Understanding the coverages of auto insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from auto insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, hitting a bird, a broken windshield and theft. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM Coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Acura TL.

Since many 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 a good idea.

Auto liability

Liability coverage provides protection from damage or injury you incur to a person or their property in an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like structural damage, funeral expenses, medical expenses, attorney fees and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

This coverage pays for damage to your TL resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like scraping a guard rail, colliding with another moving vehicle, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for rehabilitation expenses, ambulance fees and funeral costs. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Smart consumers save more

Affordable 2014 Acura TL insurance is attainable both online and from local insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies may not have the ability to get a quote online and usually these smaller providers work with independent agents.

When getting car insurance quotes online, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where an insured cut collision coverage only to regret at claim time that it was a big error on their part. The aim is to find the BEST coverage at the best possible price, not the least amount of coverage.

Additional information