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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Buyers have many options when searching for low-cost Acura TL insurance. They can either spend hours contacting agents to get rate comparisons or utilize the internet to compare rates.

There are both good and bad ways to shop for insurance coverage so we’re going to tell you the quickest way to get price quotes on a Acura and obtain the lowest price either online or from local insurance agents.

Get lower-cost car insurance rates with discounts

Properly insuring your vehicles can get expensive, but you may find discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically at the time of quoting, but some need to be specially asked for prior to getting the savings.

  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts can save up to 15% off the medical payments premium.
  • Defensive Driver Discount – Passing a defensive driver class may get you a small discount if you qualify.
  • Accident Free – Drivers who don’t have accidents get the best car insurance rates as opposed to policyholders that have many claims.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education if it’s offered in school.
  • Smart Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Savings for New Vehicles – Insuring a new car can get you a discount since newer vehicles have better safety ratings.
  • Low Miles Discount – Fewer annual miles on your Acura may allow you to get lower rates on the low mileage vehicles.
  • Multi-policy Discount – When you combine your auto and homeowners insurance and place coverage with the same company you could earn a discount of over 10 percent off each policy depending on the company.
  • Military Discounts – Being deployed with a military unit can result in better car insurance rates.
  • Save over 55 – Drivers over the age of 55 may be able to get a discount up to 10% for TL coverage.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, that’s just not realistic.

A few companies that may include these discounts include:

It’s a good idea to ask all the companies which discounts you may be entitled to. A few discounts might not be offered on policies in your state. If you would like to view insurance companies with discount car insurance rates, click this link.

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

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Why your insurance premiums might be higher

An important part of buying insurance is that you know the rating factors that are used to determine car insurance rates. If you understand what determines base rates, this enables you to make decisions that could result in big savings.

The items below are some of the major factors used by companies to determine your prices.

  • Poor driving means higher costs – How you drive impacts your car insurance rates tremendously. Having a single driving citation could increase your next policy renewal to the point where it’s not affordable. Drivers who don’t get tickets pay lower auto insurance prices than bad drivers. Drivers unfortunate enough to have careless tickets such as reckless driving, hit and run or driving under the influence might be required by their state to file a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.
  • Premiums impacted by vehicle usage – Driving more miles each year the more you’ll pay to insure it. A lot of companies rate vehicles based upon how much you drive. Cars that sit idle most of the time receive lower rates than cars that get driven a lot. Ask your agent if your policy is rated on the correct usage for each vehicle, because it can save money. A policy that improperly rates your TL may be costing you.
  • Having a spouse can save you money – Having a wife or husband may save some money on your policy. Having a spouse may mean you are more mature and statistics prove drivers who are married file infrequent claims.
  • Alarms and GPS tracking lower premiums – Purchasing a vehicle with advanced anti-theft systems can help lower your premiums. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart vehicle theft.
  • Safeguard your assets with liability insurance – Liability coverage is the protection if a jury decides you are liable for damages caused by your negligence. Your liability coverage provides for a legal defense to attempt to prove you were not liable. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Does your employer cost you more? – Occupations like lawyers, architects and financial analysts generally have the highest average rates because of intense work-related stress and lots of time spent away from family. On the flip side, careers like actors, engineers and performers pay lower than average rates for TL coverage.
  • High physical damage deductibles save money – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. Some examples of covered claims would be a broken side mirror, damage from fire, and damage from a fallen tree branch. Your deductibles state the amount of money you are required to spend in the event of a claim. The larger the amount you pay before a claim is paid (deductible), the lower your rates will be for TL coverage.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there really is not a one size fits all plan. Every situation is different.

For instance, these questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • Is a blown tire covered by insurance?
  • I have a DUI can I still get coverage?
  • What is no-fault insurance?
  • Is my custom paint covered by insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I have newly-aquired coverage?
  • Which companies will insure high-risk drivers?
  • Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Beware of misleading auto insurance ads

Consumers can’t get away from all the ads for the lowest price auto insurance by companies like State Farm, Allstate and GEICO. All the ads have a common claim that you’ll save big just by switching your auto insurance policy to them.

Is it even possible that every company can have lower policy pricing? It’s all in the wording.

Insurance providers have specific guidelines for the type of customer that will add to their bottom line. An example of this type of driver could possibly be between the ages of 30 and 45, carries full coverage, and chooses high deductibles. A customer getting a price quote who meets those qualifications will get the preferred prices and will most likely save quite a bit of money when switching.

Drivers who do not match the requirements may receive a more expensive rate and this can result in the customer not purchasing. The trick is to say “customers that switch” not “all people who quote” can get the lowest rates when switching. That’s why companies can truthfully lure you into getting a quote.

This really drives home the point why drivers must get auto insurance quotes from several different companies. It’s just not possible to know which insurance companies will fit you best based on your risk profile.

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

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Car insurance coverages for a 1997 Acura TL

Understanding the coverages of car insurance aids in choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability car insurance

This protects you from damages or injuries you inflict on a person or their property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as court costs, loss of income, pain and suffering and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills for doctor visits, surgery, X-ray expenses and dental work. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Auto collision coverage

Collision coverage will pay to fix damage to your TL from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Acura TL.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, hitting a bird, damage from flooding and hitting a deer. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

More effort can pay off

Affordable 1997 Acura TL insurance is definitely available on the web as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get quotes online and most of the time these regional carriers only sell through independent insurance agents.

When shopping online for insurance, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, drivers have reduced liability limits or collision coverage only to discover later that they should have had better coverage. The aim is to buy enough coverage at the lowest possible cost and still be able to protect your assets.

Throughout this article, we presented a lot of techniques to lower your 1997 Acura TL insurance rates. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest rates are with a smaller regional carrier.

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