Cheapest 2007 Acura TL Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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Searching for cheaper insurance coverage rates for your Acura TL? I can’t think of a single person who enjoys paying for insurance coverage, in particular when they are paying too much. Insurance companies such as State Farm, GEICO and Farmers Insurance increase brand awareness with ads and it can be hard to ignore the promise of big savings and find the best price available.

If you have insurance now or need a new policy, you can use these techniques to reduce the price you pay and still get good coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Vehicle owners only need to know the most effective way to compare rates online.

How to save on Acura TL insurance

Car insurance is not cheap, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically at the time of quoting, but a few must be inquired about in order for you to get them. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Clubs and Organizations – Belonging to a professional or civic organization may earn a discount when shopping for auto insurance for TL coverage.
  • Drive Less and Save – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% for TL coverage depending on your company.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Multiple Policy Discount – If you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Driver Safety – Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.

Drivers should understand that many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will bring down the cost of coverage.

To see a list of insurers with the best auto insurance discounts, click here.

How to Get Auto Insurance

Shopping for lower auto insurance rates can be a daunting task if you aren’t aware of the best way to get rate quotes. You could waste a few hours driving to agents in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

Many of the larger companies take part in a program where insurance shoppers enter their coverage request one time, and every company returns a competitive quote. This system prevents you from having to do quote forms for every auto insurance company.

To get comparison pricing now click here to start a free quote.

The only downside to doing it this way is that you can’t choose the companies you will receive quotes from. So if you prefer to choose specific providers to request quotes from, we have assembled a list of auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but make sure you use identical coverage limits and deductibles for each comparison quote. If you have different liability limits it will be impossible to find the best deal for your Acura TL.

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Tailor your coverage to you

When choosing coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help you determine if your insurance needs would benefit from an agent’s advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I sign the liability waiver when renting a car?
  • Is my Acura TL covered if I use it for business?
  • Is there coverage for injuries to my pets?
  • Am I insured when driving a different vehicle?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Car insurance coverage information

Understanding the coverages of your policy can help you determine the right coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from car insurance companies.

Comprehensive coverages

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, a broken windshield, damage from flooding, a tree branch falling on your vehicle and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

This pays for damage to your TL from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2007 Acura TL.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to other people or property that is your fault. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, 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 $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as attorney fees, loss of income and funeral expenses. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for EMT expenses, ambulance fees, doctor visits, dental work and nursing services. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

A little work can save a LOT of money

When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. There have been many cases where someone sacrificed liability coverage limits and found out when filing a claim that they should have had better coverage. The proper strategy is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Cheap 2007 Acura TL insurance can be purchased both online in addition to many insurance agents, so compare prices from both to get a complete price analysis. Some companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Additional information

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

What factors can affect my insurance rates for a 2007 Acura TL?

Several factors can influence your insurance rates for a 2007 Acura TL, including:

  • Age and Gender: Younger drivers, especially males, typically face higher rates due to higher accident risk.
  • Driving History: A clean driving record with no accidents or traffic violations can result in lower rates.
  • Location: Insurance rates can vary based on your location due to factors like crime rates, population density, and accident statistics.
  • Coverage and Deductibles: The coverage options and deductibles you choose will impact your premiums.
  • Annual Mileage: The more miles you drive each year, the higher the risk, which can lead to higher premiums.
  • Credit History: In some states, insurance companies consider credit history as a factor in determining rates.
  • Insurance Claims History: A history of past claims may affect your rates.

What should I do if I need to file a claim with my insurance company?

If you need to file a claim with your insurance company, follow these general steps:

  • Contact Your Insurance Company: Notify your insurance company as soon as possible after the incident. Provide them with accurate and detailed information about the accident or incident.
  • Gather Information: Collect any relevant information, such as police reports, photos of the damage, and contact information of involved parties.
  • Cooperate with the Claims Adjuster: Work with the claims adjuster assigned to your case. Provide any requested documentation and cooperate in the investigation process.
  • Understand Your Coverage: Familiarize yourself with the coverage and limits of your policy to ensure you understand what expenses may be covered.
  • Keep Records: Keep records of all communication and documentation related to the claim, including receipts for repairs or medical expenses.

It’s important to review your insurance policy and understand the claims process before an incident occurs so that you’re prepared.

Should I sign the liability waiver when renting a car?

When renting a car, you are often presented with a liability waiver or additional insurance coverage offered by the rental car company. It’s important to understand the terms and conditions of the waiver before making a decision. If you have an existing auto insurance policy, it may provide coverage for rental cars, but it’s crucial to review your policy or contact your insurance provider to confirm the extent of coverage. Additionally, if you have coverage through a credit card, it may offer some rental car insurance benefits. Consider evaluating your existing coverage options before deciding whether to sign a liability waiver or purchase additional coverage from the rental car company.

Can I insure my 2007 Acura TL for business use?

Whether your 2007 Acura TL is covered for business use depends on your insurance policy. Standard personal auto insurance policies usually do not provide coverage for commercial or business use of your vehicle. If you frequently use your Acura TL for business purposes, such as deliveries or transporting clients, you may need to purchase a separate commercial auto insurance policy to ensure you have the appropriate coverage.

Does my insurance policy cover injuries to my pets in case of an accident?

Most standard auto insurance policies do not provide coverage for injuries to pets in the event of an accident. Auto insurance typically covers bodily injury to humans involved in the accident, subject to policy limits. However, injuries to pets are generally not covered under this type of policy. If you are concerned about protecting your pets, you may want to explore separate pet insurance policies that specifically cover veterinary expenses for injuries or illnesses.

What should I do if my insurance company denies my claim?

If your insurance company denies your claim, you can take the following steps:

  • Review Your Policy: Carefully review your insurance policy to ensure you understand the coverage and exclusions that apply to your claim.
  • Contact Your Insurance Company: Reach out to your insurance company to clarify the reason for the denial and request a detailed explanation.
  • Seek Documentation: Gather any supporting documents, such as photographs, repair estimates, or witness statements, that may help support your claim.
  • File an Appeal: If you believe your claim was wrongfully denied, you can file an appeal with your insurance company. Provide any additional evidence or arguments that support your position.
  • Consult with an Attorney: If the denial persists or you believe you have a valid case, you may want to consult with an attorney who specializes in insurance claims to explore your legal options.

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