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 29, 2018

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Trying to find lower auto insurance rates? Buyers have many options when searching for the lowest priced Acura TL insurance. You can either waste hours struggling with agents to get rate comparisons or utilize the internet to find the lowest rates. There are more efficient ways to compare auto insurance rates so we’re going to tell you the best way to compare rates for your Acura and obtain the cheapest rates from both online companies and local agents.

Consumers should take time to shop coverage around before your policy renews since insurance prices are usually higher with each renewal. Even if you got the lowest rate on TL coverage two years ago you can probably find a better premium rate now. Block out anything you think you know about auto insurance because we’re going to demonstrate how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

Discounts for lower-cost auto insurance rates

Auto insurance is not an enjoyable expense, but you can get discounts that can help lower your rates. Certain reductions will be credited when you purchase, but a few must be asked for prior to getting the savings.

  • Telematics Devices – Policyholders that allow driving data submission to spy on driving manner by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they exhibit good driving behavior.
  • No Claim Discounts – Insureds with no claims or accidents can earn big discounts in comparison to drivers who are more careless.
  • Own a Home – Owning a house may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and the ABS can save up to 10%.
  • Government Employees – Active or former government employment may reduce rates when you quote auto insurance on TL coverage with a few auto insurance companies.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only reduce individual premiums such as comp or med pay. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way.

Some of the larger companies that may have these discounts include:

If you need low cost auto insurance quotes, ask each company which discounts can lower your rates. Depending on the company, some discounts may not apply to policies in your area. For a list of providers offering auto insurance discounts, click here to view.

The quickest method we recommend to compare policy rates is to understand most of the bigger providers provide online access to give free rates quotes. The only thing you need to do is provide information such as deductibles desired, driver details, if a SR-22 is required, and whether your vehicle is owned or leased. That rating information gets transmitted to many highly-rated insurers and you will get price comparisons almost instantly.

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

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Acura TL insurance rate factors

Lots of factors are used in the calculation when you get a price on insurance. A few of the factors are predictable such as your driving history, although some other factors are more transparent such as your credit history or your vehicle rating.

  • You might have higher prices if you are single – Getting married may earn you lower rates compared to being single. It demonstrates that you tend to be more responsible and insurance companies like that drivers who are married file infrequent claims.
  • Lower coverage deductibles cost more – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Acura. Some examples of covered claims could be a broken windshield, collision with an animal, and damage from a fallen tree branch. Your deductibles state the amount of money you are required to pay if you file a covered claim. The higher the amount you’re willing to pay, the less your insurance coverage will be on TL coverage.
  • Your location is important – Living in smaller towns and rural areas of the country can be a good thing when it comes to insurance coverage. Drivers who live in large cities tend to have more road rage incidents and longer commutes to work. Fewer drivers means fewer accidents.
  • Younger vs. older drivers – Teen drivers have been known to be less responsible when at the wheel of a vehicle so insurance coverage rates are higher. Parents adding a inexperienced driver onto your insurance coverage can break the bank. Mature drivers have been proven to be more responsible, tend to file fewer claims and tend to be get fewer driving tickets.
  • Cheaper premiums using theft deterrents – Driving a car with an alarm system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop vehicle theft.
  • An active claims history can cost you more – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies provide the best rates to drivers who only file infrequent claims. Auto insurance is intended to be relied upon for more catestrophic claims.

Tailor your insurance coverage to you

When choosing adequate coverage, there really is no best way to insure your cars. Each situation is unique.

For instance, these questions can aid in determining if your insurance needs might need an agent’s assistance.

  • Can I still get insurance after a DUI?
  • How can I find cheaper teen driver insurance?
  • Will my insurance pay for OEM parts?
  • I don’t drive much so do I pay less?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • When do I need to add a new car to my policy?
  • Do I need PIP coverage since I have good health insurance?
  • Do I need more liability coverage?
  • Are my friends covered when driving my 2000 Acura TL?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance buyers beware

Consumers can’t get away from all the ads that claim the lowest rates by companies like Progressive, Allstate and GEICO. They all make the same claim about savings if you switch your insurance policy to them.

How does each company say the same thing?

Different companies offer their best rates for the type of driver that earns them the most money. One example of a driver they prefer might have to be a married male, has never had a claim, and drives less than 7,500 miles a year. Anybody who matches those parameters will most likely get cheap prices and will most likely cut their rates if they switch.

Potential insureds who don’t measure up to this stringent profile may receive higher prices which usually ends up with the prospect going elsewhere. The trick is to say “customers who switch” not “everybody who quotes” save the amount stated. That’s the way insurance companies can state the savings. Because each company has a different risk profile, it’s extremely important to compare price quotes frequently. It’s just not possible to know which company will have the lowest prices for your situation.

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

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Car insurance coverages and their meanings

Understanding the coverages of car insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Auto liability insurance – Liability coverage protects you from injuries or damage you cause to other’s property or people. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things like medical services, court costs, loss of income and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverages – Collision coverage will pay to fix damage to your TL caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, sideswiping another vehicle, crashing into a ditch, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix 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 coverage protects against claims such as hail damage, vandalism, damage from a tornado or hurricane, theft and falling objects. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for rehabilitation expenses, dental work and EMT expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Acura TL.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Saving money makes a lot of cents

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. There are many occasions where someone dropped full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at the best cost and still be able to protect your assets.

Insureds leave their current company for a variety of reasons including delays in paying claims, high prices, questionable increases in premium and even high rates after DUI convictions. Whatever your reason, switching companies is less work than it seems.

We’ve covered many ways to get a better price on 2000 Acura TL insurance. The most important thing to understand is the more you quote auto insurance, the better likelihood of getting inexpensive auto insurance. You may even find the lowest car insurance rates come from a small mutual company.

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