2017 Acura TLX Insurance Cost – 5 Ideas for Best Prices

If you are new to online car insurance, by this point your are probably confused thanks to the incredible selection of insurers all claiming to have the lowest rates.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. Locating the cheapest protection is simple if you know the tricks. Although drivers benefit from understanding how companies sell online.

Cheapest auto insurance quotes

To find more affordable rates, there are a couple of ways to compare prices from companies that offer auto insurance in your state. The best way to do a complete rate comparison consists of shopping online. This can be done using a couple different methods.

  1. The first (and easiest) way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This easy form keeps you from doing separate quotes for each price estimate. One form gets insurance cost estimates from auto insurance companies with the best prices. It’s definitely the quickest method.
  2. A less efficient way to analyze rates is to manually visit each individual company website and fill out a new quote form. For examples sake, let’s say you need rates from Nationwide, Liberty Mutual and Farmers. To do that, you would have to visit each site and enter your policy data, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.

The approach you take is up to you, just make sure you are using nearly identical deductibles and coverage limits for each comparison quote. If the quotes have different liability limits then you won’t be able to find the best deal for your Acura TLX. Having just a slight variation in insurance coverages or limits could skew the results. It’s important to know that getting more free quotes will increase your chances of finding more affordable insurance.

Insurance coverage discounts help lower rates

Buying insurance coverage is not cheap, but you might already qualify for some discounts to cut the cost considerably. A few discounts will be applied when you quote, but a few need to be manually applied prior to receiving the credit. If you don’t get every credit you qualify for, you could be getting lower rates.

  • Accident Free – Insureds who avoid accidents and claims can save substantially as opposed to drivers who are more careless.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.
  • Good Student Discount – Getting good grades can save 20 to 25%. Most companies allow this discount up until you turn 25.
  • Telematics Data – Insureds that choose to allow driving data collection to scrutinize where and when they drive by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they exhibit good driving behavior.
  • Passenger Safety Discount – Factory air bags or automatic seat belts could see savings of 25 to 30%.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, you won’t be that lucky. Any qualifying discounts should definitely cut your overall bill.

The best insurance coverage companies and a summarized list of policyholder discounts are:

  • Progressive may have discounts that include multi-vehicle, homeowner, online quote discount, online signing, multi-policy, good student, and continuous coverage.
  • Farmers Insurance offers discounts including alternative fuel, early shopping, multi-car, homeowner, electronic funds transfer, and youthful driver.
  • Farm Bureau has discounts for driver training, multi-vehicle, renewal discount, 55 and retired, youthful driver, and good student.
  • State Farm offers discounts for multiple policy, multiple autos, driver’s education, safe vehicle, Drive Safe & Save, and anti-theft.
  • GEICO policyholders can earn discounts including anti-lock brakes, anti-theft, daytime running lights, emergency military deployment, driver training, and federal employee.
  • SAFECO discounts include bundle discounts, homeowner, safe driver, accident prevention training, anti-lock brakes, and drive less.
  • Liberty Mutual may include discounts for multi-car, new graduate, newly married, newly retired, hybrid vehicle, safety features, and preferred payment discount.

If you need lower rates, check with each company to give you their best rates. Some of the discounts discussed earlier might not be offered in your area. To find companies with significant discounts, click here to view.

Which is the best insurance?

When it comes to buying the best insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different.

For example, these questions can aid in determining whether your personal situation could use an agent’s help.

  • Do I need roadside assistance coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered when driving a rental car?
  • Is my 2017 Acura TLX covered for smoke damage?
  • Does medical payments coverage apply to all occupants?
  • How many claims can I have before being cancelled?
  • Are my friends covered when driving my car?
  • Can I afford low physical damage deductibles?
  • What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, complete this form.

Insurance coverages 101

Knowing the specifics of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Acura TLX.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability auto insurance

This protects you from damage or injury you incur to people or other property in an accident. 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 limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like loss of income, pain and suffering, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a broken windshield, rock chips in glass and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for bills such as doctor visits, rehabilitation expenses, EMT expenses, dental work and surgery. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision insurance

Collision insurance pays for damage to your TLX caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a ditch, hitting a parking meter, sustaining damage from a pot hole, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Saving money makes a lot of cents

People who switch companies do it for many reasons like poor customer service, delays in paying claims, policy cancellation and even policy non-renewal. It doesn’t matter what your reason, switching insurance companies is pretty easy and you might even save some money in the process.

Cheap 2017 Acura TLX insurance can be found both online as well as from insurance agents, so you need to shop car insurance with both to get a complete price analysis. Some insurance providers may not have price quotes online and these small, regional companies only sell through independent agents.

We’ve covered a lot of techniques to reduce 2017 Acura TLX insurance car insurance rates online. The most important thing to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may be surprised to find that the lowest car insurance rates come from the least-expected company.

Much more information about insurance is available at these links: