Cheapest 2010 Acura TL Insurance Rates in 2023

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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 4, 2023

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Looking for lower car insurance rates to legally drive your Acura TL? Are you overwhelmed by the number of car insurance options? Many other consumers are too. People have so many choices that it can easily become a ton of work to find lower rates.

You should make it a habit to take a look at other company’s rates at least once a year because rates change frequently. Even if you got the best rates on TL insurance a year ago you may be paying too much now. Starting now, forget all the misinformation about car insurance because you’re going to learn one of the quickest ways to find lower rates on car insurance.

Are you getting all your discounts?

Companies that sell car insurance don’t list every available discount in an easy-to-find place, so we break down both well-publicized and the more hidden discounts you could be receiving.

  • One Accident Forgiven – Certain companies allow you one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Own a Home – Simply owning a home can help you save on insurance due to the fact that maintaining a home requires personal responsibility.
  • Low Mileage – Fewer annual miles on your Acura could be rewarded with a substantially lower rate.
  • Multi-policy Discount – When you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on TL insurance than less cautious drivers.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Defensive Driver – Taking a driver safety course could cut 5% off your bill if your company offers it.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.

It’s important to understand that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance policy, you’re out of luck.

Car insurance companies that possibly offer some of the above discounts include:

It’s a good idea to ask each company how you can save money. Discounts might not be offered in every state.

How can you tailor your coverage to you?

When it comes to choosing coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are split liability limits better than a combined single limit?
  • What exactly is covered by my policy?
  • Do I need more liability coverage?
  • Are my friends covered when driving my 2010 Acura TL?
  • How can I force my company to pay a claim?
  • Am I missing any policy discounts?
  • Do I need added coverage for expensive stereo equipment?
  • Is my state a no-fault state?
  • Is my ex-spouse still covered by my policy?

You may be the 1st owner of your Acura TL, but you want to make sure you’re covered in case you need it, even if you’re the 2nd owner, 3rd owner, or even 4th owner.

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

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Can you really save that much by switching?

Car insurance providers like Progressive, GEICO, Allstate, and State Farm consistently run television and radio advertisements. They all make the same claim that you’ll save big if you change your coverage to them. But how can every company make almost identical claims?

Insurance companies have a preferred profile for the right customer that makes them money. A good example of a profitable customer could possibly be between the ages of 40 and 55, has no tickets, and drives less than 10,000 miles a year. Any driver who meets those qualifications will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who don’t meet the “perfect” profile will have to pay more money and this can result in business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save that kind of money. This is how companies can state the savings. Because of the profiling, you need to get quotes from several different companies. Because you never know the company that will fit your personal profile best.

What are the insurance coverage options for a 2010 Acura TL?

Having a good grasp of an insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Acura’s mid-size luxury sport sedan comes with a lot of trim options and performance options for buyers, including supportive seats, leather seats, center steering, a power moonroof, a sound system with excellent auto quality, tires, and way more. Much of this won’t impact your rates, but safety equipment features will.

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from getting keyed, a tree branch falling on your vehicle and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Acura TL.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.


This can cover damage that occurs to people or other property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like funeral expenses, pain and suffering and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for things like funeral costs, X-ray expenses, nursing services, dental work and chiropractic care. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.

Collision insurance

This covers damage to your TL caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things like crashing into a building, backing into a parked car, scraping a guard rail, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

How can you save?

The cheapest 2010 Acura TL insurance is possible from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. A few companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.

When trying to cut insurance costs, don’t be tempted to reduce coverage to reduce premium. There are too many instances where consumers will sacrifice full coverage only to discover later they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

We’ve covered a lot of tips how to shop for insurance online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the best price on insurance is with some of the lesser-known companies.

To learn more, feel free to visit the following helpful articles:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find discounts on my car insurance for a 2010 Acura TL?

Car insurance companies offer various discounts, but they may not list them all in one place. It’s important to ask each company about available discounts. Some common discounts include safe driver discounts, multi-policy discounts, and good student discounts. However, keep in mind that discounts may vary by state and company.

How do I know which coverage options are right for my Acura TL?

Choosing the right coverage depends on your individual needs. Consider factors such as your driving habits, the value of your vehicle, and your budget. Liability coverage, comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and medical payments coverage are some options to consider. If you’re unsure about the coverage you need, it’s advisable to speak with a licensed agent.

Can switching car insurance providers really save me money?

Car insurance providers often claim that switching to their company can lead to significant savings. However, these claims are based on a preferred customer profile that may not apply to everyone. To find the best rates, it’s important to get quotes from multiple companies. By comparing quotes, you can find the company that offers the most competitive rates based on your personal profile.

What are the insurance coverage options for a 2010 Acura TL?

The insurance coverage options for a 2010 Acura TL include comprehensive coverage, uninsured/underinsured motorist coverage, liability coverage, medical payments coverage, and collision coverage. Comprehensive coverage protects against damage from events like theft and vandalism. Liability coverage covers damage caused to others. Uninsured/underinsured motorist coverage protects against drivers without sufficient insurance. Medical payments coverage provides additional coverage for medical expenses. Collision coverage covers damage from collisions with objects or other vehicles.

How can I save on my car insurance for a 2010 Acura TL?

To save on car insurance for a 2010 Acura TL, consider the following tips:

  • Compare quotes from multiple insurance providers.
  • Look for discounts offered by insurance companies.
  • Maintain a good driving record.
  • Opt for higher deductibles, if you can afford it.
  • Consider bundling your car insurance with other policies, such as homeowners or renters insurance.
  • Explore usage-based insurance programs, if available.
  • Take advantage of any available safety features discounts.
  • Drive fewer miles, if possible, to potentially qualify for low mileage discounts.

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