Lower Your 2014 Acura TL Car Insurance Cost 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: Apr 26, 2024

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Trying to find better car insurance rates for your Acura TL? Having to pay for overpriced Acura TL insurance can bleed your savings account and force you to tighten up your finances. Drivers have so many insurance companies to insure vehicles with, and though it is a good thing to have a choice, lots of choices makes it harder to find the best rates for your vehicles.

Buying car insurance is not rocket science. If you have a current auto insurance policy or are shopping for new coverage, you can use these techniques to find the best rates and still get good coverage. Drivers just need to know the most efficient way to get comparison quotes over the internet.

Cheap insurance coverage quotes online

Shopping for lower insurance coverage rates can be exhausting if you don’t understand the easiest way. You can waste hours talking about coverages with agents in your area, or you can stay home and use the internet to get pricing more quickly.

Many companies participate in a marketplace where prospective buyers enter their policy data once, and every company returns a competitive quote based on that data. This prevents consumers from doing repetitive form submissions for every insurance coverage company.

To find out how much you’re overpaying now enter your zip code here.

One minor caveat to pricing coverage this way is you don’t know exactly which carriers you want pricing from. So if you prefer to pick specific providers for rate comparison, we have a listing of companies who write insurance coverage in your area. Click to enter zip code.

The approach you take is up to you, just do your best to use identical coverages with every price quote. If the quotes have different liability limits it will be nearly impossible to make a fair rate comparison.

Insurance coverage companies offer money-saving discounts

Not too many consumers would say insurance coverage is affordable, but there could be available discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be asked about prior to getting the savings. If you check and find you aren’t receiving every discount available, you could be getting lower rates.

  • Defensive Driver Discount – Passing a class that teaches defensive driver techniques could cut 5% off your bill depending on where you live.
  • Homeowners Savings – Owning your own home or condo can help you save on insurance coverage due to the fact that maintaining a home is proof that your finances are in order.
  • Accident Forgiveness – but certain companies will forgive one accident before they charge you more for coverage with the catch being you have to be claim-free for a set time period.
  • Active Military Service – Being deployed in the military could be rewarded with lower premium rates.
  • Drive Less and Save – Driving fewer miles can qualify you for slightly better insurance coverage rates than normal.
  • Discounts for New Vehicles – Insuring a new car can save you some money since newer vehicles are generally safer.
  • Bundle and Save – If you can combine your home and auto policy and insure them with the same company you could earn a discount of at least 10% off all policies.
  • Driver Education Discount – It’s a good idea to have your young drivers successfully complete driver’s ed class in school or through a local driver safety program.
  • Student Discounts – Excelling in school can save 20 to 25%. Most companies allow this discount well after school through age 25.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life policy as well.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like you could get a free insurance coverage policy, it’s just not the way it works. Any amount of discount will help reduce your overall premium however.

To view insurance companies who offer cheap insurance coverage quotes, enter your zip code here.

Insurance price influencing factors

An important part of buying insurance is that you know the rating factors that are used to determine the level of your policy premiums. When consumers understand what determines premiums, this empowers consumers to make smart changes that could result in lower rates.

The factors shown below are a partial list of the pieces used by insurance companies to determine premiums.

  • Car insurance liability coverage limits – Liability insurance will provide protection if ever you are ruled to be at fault for an accident. Your policy’s liability insurance provides legal defense coverage which can cost thousands of dollars. It is affordable coverage compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Bundle and save – The majority of insurance companies apply better rates to policyholders who carry more than one policy. It’s known as a multi-policy discount. This can amount to as much as ten percent or more If you currently are using one company, consumers should still get quotes from other companies to make sure you are getting the best deal. Drivers may still save even more by splitting coverages up.
  • Consider raising deductibles – Protection for physical damage, also called ‘full coverage’, covers your vehicle from damage. A few examples of covered claims are running into the backend of another car, hail damage, and rolling your vehicle. The deductibles you choose represent how much money you are willing to pay in the event of a claim. The more damage repair cost you’re willing to pay, the less your company will charge you for insurance on TL coverage.
  • More traffic means higher claims – Choosing to live in a rural area may provide you with better prices when insuring your vehicles. Drivers who live in large cities regularly have congested traffic and more severe claims. Fewer drivers and short commutes means less chance of accidents and a lower car theft rate.

Do I just need basic coverages?

When choosing the best insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Should I put collision coverage on all my vehicles?
  • How much liability coverage do I need in my state?
  • Am I covered when driving in Canada or Mexico?
  • Should I buy only the required minimum liability coverage?
  • Can I make deliveries for my home business?
  • Why do I need rental car insurance?
  • Is business equipment covered while in my vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need added coverage for expensive stereo equipment?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage specifics

Knowing the specifics of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on most insurance policies.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix 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 pays for claims such as damage from flooding, vandalism and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like prosthetic devices, dental work and hospital visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage – This coverage pays for damage to your TL resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, scraping a guard rail, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Liability coverage – This coverage provides protection from damage that occurs to people or other property by causing an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims like repair costs for stationary objects, pain and suffering, court costs, funeral expenses and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Do the work, save more money

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. Too many times, an insured cut comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage at the best cost, not the least amount of coverage.

Budget-friendly insurance coverage can be found online in addition to local insurance agencies, so you should compare both so you have a total pricing picture. Some insurance coverage companies do not provide price quotes online and usually these smaller companies work with independent insurance agencies.

You just read many ideas to lower your 2014 Acura TL insurance premium rates. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even find the best premium rates are with a small mutual company. Smaller companies often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

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