Vehicles > Acura > TL

Acura TL Insurance Rates

Finding cheaper car insurance through online companies is simple to do and at the same time you may find lower rates. The critical component is getting rates from all companies in order to have the best prices.

Finding the best direct price on car insurance is challenging if you have never used quoting online. But don't be discouraged because we're going to show you how. The are a couple different ways to get quotes from different insurance companies. One of the best ways to compare Acura TL insurance cost is to perform an online rate comparison. It is quite easy and can be accomplished by comparing rates here.

What influences car insurance premiums?

Insurance premiums on a Acura TL can be significantly different subject to many criteria. Taken into consideration are:

  • Traffic citations increase rates
  • Better credit means lower rates
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • Your job
  • The level of coverage
  • Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new Acura models so the cost to replace them can decrease annual premiums. Conversely, more recent Acura vehicles have more advanced features such as anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera that may help lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Coverage for liability - Acura TL liability coverage will cover damages or injuries you inflict on people or other property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision coverages - This will pay to fix damage to your Acura resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your Acura TL can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are Acura TL Insurance Rates?