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...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Have you fallen victim to overpriced auto insurance? Say no more because many consumers are in the same pinch. Multiple insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest price

First Step: Get free auto insurance quotes

Effectively comparing auto insurance prices can be a daunting task if you don’t understand the fastest way to get free quotes. You can waste hours discussing policy coverages with insurance agencies in your area, or you can utilize online quotes to maximize your effort.

Many popular insurance companies take part in a program that allows shoppers to submit their information once, and at least one company then returns a price quote determined by their information. This saves time by eliminating quotation requests for every auto insurance company.

To find out how much you’re overpaying now click to open in new window.

One minor caviat to using this type of system is you can’t choose which carriers to get pricing from. So if you want to choose specific insurance companies to compare, we have a listing of companies who write auto insurance in your area. Click here to view list.

Take whichever approach you prefer, but do your best to use equivalent deductibles and coverage limits on every quote. If the quotes have unequal deductibles or liability limits it will be next to impossible to make a fair comparison for your Acura TL.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Get lower-cost car insurance quotes with discounts

Car insurance is not an enjoyable expense, but there’s a good chance there are discounts to cut the cost considerably. Some trigger automatically when you complete an application, but a few must be inquired about before they will apply.

  • Active Military Service – Having a deployed family member could trigger a small discount.
  • Low Mileage Discounts – Driving less could earn better prices on cars that stay parked.
  • One Accident Forgiven – This isn’t a discount exactly, but certain companies will let one accident slide before your rates go up with the catch being you have to be claim-free for a particular time prior to the accident.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save 10% or more off the medical payments premium.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase some life insurance in addition to your auto policy.
  • Discounts for Federal Employees – Active or former government employment can save as much as 8% for TL insurance depending on your car insurance provider.

One thing to note about discounts is that most credits do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts should definitely cut your premiums.

A few of the larger companies and their offered discounts are outlined below.

  • Farm Bureau offers premium reductions for driver training, good student, renewal discount, multi-policy, 55 and retired, and safe driver.
  • MetLife may offer discounts for accident-free, defensive driver, multi-policy, good student, claim-free, and good driver.
  • Progressive has savings for multi-vehicle, multi-policy, online quote discount, good student, continuous coverage, homeowner, and online signing.
  • AAA discounts include education and occupation, multi-car, multi-policy, good driver, good student, anti-theft, and AAA membership discount.
  • American Family may have discounts that include good driver, Steer into Savings, good student, defensive driver, and mySafetyValet.
  • GEICO has discounts for federal employee, driver training, membership and employees, five-year accident-free, anti-theft, air bags, and multi-policy.
  • State Farm offers discounts for anti-theft, Steer Clear safe driver discount, safe vehicle, Drive Safe & Save, and multiple autos.

Before buying, ask all companies you are considering which discounts they offer. A few discounts might not apply in every state. To choose insurance companies offering car insurance discounts, click this link.

Informed consumers know how to get insurance coverage for less

Multiple criteria are taken into consideration when you get your auto insurance bill. A few of the factors are predictable such as your driving history, but other criteria are more transparent like where you live or your vehicle rating.

The factors shown below are just a few of the factors insurance coverage companies consider when setting your premiums.

  • Optional features that cut premiums – Owning a car with anti-theft technology or alarm system can help bring down rates. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop car theft and help bring rates down.
  • Low coverage deductibles can be expensive – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Acura. Examples of covered claims are a broken windshield, damage from fire, and burglary. The deductibles you choose are how much you are willing to pay before your insurance coverage pays a claim. The more the insured is willing to pay, the less money you will pay for insurance coverage for TL insurance.
  • High claims frequency drives up prices – Auto insurance companies provide most affordable rates to drivers who file claims infrequently. If you file claims often, you can expect increased rates or even have your policy non-renewed. Your insurance policy is designed for larger claims.
  • Don’t get traffic citations – Having a clean driving record influences premium rates substantially. Having a single ticket can bump up the cost to the point where it’s not affordable. Attentive drivers pay lower auto insurance prices than people who have multiple driving citations. Drivers unfortunate enough to have severe tickets like DUI or reckless driving may need to maintain a SR-22 with their state in order to keep their license.
  • Choose high safety ratings and save – Vehicles with good safety scores cost less to insure. Highly rated vehicles reduce the chance of injuries and fewer injuries translates directly to fewer claims and cheaper rates on your policy. If the Acura TL is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Tailor your car insurance coverage to you

When choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can help discover if your situation would benefit from professional advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my teenager covered with friends in the car?
  • How much can I save by bundling my policies?
  • Does coverage extend to my business vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered when driving a rental car?
  • Should I have a commercial auto policy?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Insurance coverage buyers beware

Consumers can’t ignore all the ads for insurance coverage savings from the likes of State Farm and Allstate. All the companies convey the message about how much you will save if you change your coverage to them.

That’s great but how can every company offer drivers better rates? It’s all in the wording.

Insurance providers look for specific characteristics for the type of insured that will generate a profit. A good example of this type of driver should be over the age of 45, has a clean driving record, and drives newer vehicles. A propective insured who fits that profile will probably get the lowest rates and have a good chance to save a lot if they switch.

Potential customers who fall outside those standards will probably have to pay a higher premium and this results in the customer buying from someone else. If you pay close attention to the ads, they say “people who switch” but not “everyone who gets a quote” save that much when switching. This is how companies can make it sound like they have such great rates.

Because of this risk profiling, you really should get a wide range of price quotes. You cannot predict the company that will provide you with the cheapest prices.

Information about specific coverages

Understanding the coverages of your auto insurance policy helps when choosing the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types offered by auto insurance companies.

Liability car insurance

This can cover damage or injury you incur to other’s property or people. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as bail bonds, funeral expenses and pain and suffering. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills like ambulance fees, prosthetic devices, dental work, pain medications and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

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

Collision can pay for claims like crashing into a ditch, backing into a parked car, hitting a parking meter, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a bird, damage from flooding and damage from getting keyed. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Do the work, save more money

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. In many cases, someone dropped uninsured motorist or liability limits only to regret they didn’t have enough coverage. The aim is to buy enough coverage at the best cost, but don’t skip important coverages to save money.

Cheaper 1995 Acura TL insurance can be bought on the web and from local agencies, so you should be comparing quotes from both to have the best selection. A few companies may not provide online rate quotes and these small insurance companies sell through independent insurance agents.

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