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: Jul 10, 2018

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When trying to find more affordable insurance, do you get frustrated by the crazy number of auto insurance choices? Many other drivers are too. vehicle owners have so many choices to choose from that it can really be a real hassle to compare auto insurance rates.

You need to compare premium rates as often as possible because auto insurance prices fluctuate regularly. Just because you found the lowest rate on TL insurance on your last policy a different company probably has better premium rates today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate how to use online quotes to find the best coverage while lowering your premiums.

If you are paying for car insurance now, you will be able to reduce your rates substantially using this strategy. The purpose of this article is to tell you the most effective way to quote insurance and some money-saving tips. Although vehicle owners benefit from understanding how insurance companies determine prices because it can help you find the best coverage.

The most recommended method to compare rates is to know the trick most of the bigger providers have advanced systems to compare rate quotes. The only thing you need to do is take a few minutes to give details like if you are currently licensed, whether you are single or married, your general credit rating, and if it has an anti-theft system. Your insurance information is sent automatically to multiple different insurance companies and they provide comparison quotes with very little delay.

To start a quote now, click here then complete the form.

Big names are not always cheapest

Big name companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with television, radio, and online ads. All the ads advertise claims about how much you will save just by switching to their company. How is it plausible that every one can have lower policy pricing? It’s all in the numbers.

Different companies look for specific characteristics for the type of driver that will generate a profit. A good example of a driver they prefer might have to be over the age of 45, has other policies, and does not commute to work. A customer who matches those parameters will get low auto insurance rates and will probably save if they switch.

Potential customers who fall short of these criteria will probably have to pay a higher rate and ends up with the customer not purchasing. The wording the ads use say “people that switch” not “all people who quote” save money. That is how companies can truthfully make those statements. Because of this risk profiling, you absolutely need to do a price quote comparison at every renewal. It’s just not possible to know which car insurance company will give you lower prices than your current company.

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

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These eight discounts can slash insurance coverage rates

The cost of insuring your cars can be expensive, but there could be available discounts that could drop your premiums quite a bit. Some of these disounts will be visible at the time of purchase, but a few need to be inquired about prior to receiving the credit.

  • ABS Brakes – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Low Mileage – Driving less could qualify for discounted premium rates on garaged vehicles.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% on TL insurance compared to rates paid by drivers with frequent claims.
  • Switch and Save Discount – A few insurance companies give discounts for signing up prior to your current policy expiring. You can save around 10% with this discount.
  • Homeowners Discount – Owning a home can save a few bucks because it demonstrates responsibility.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
  • Telematics Devices – Drivers who agree to allow driving data collection to analyze driving habits by installing a telematics device such as State Farm’s In-Drive could see a rate decrease if their driving habits are good.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance coverage quote.

You should keep in mind that many deductions do not apply to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, you’re out of luck. Any amount of discount should help reduce your insurance coverage premiums.

Popular insurance coverage companies and some of the premium reductions they offer can be found below.

  • GEICO includes discounts for multi-policy, daytime running lights, good student, five-year accident-free, and membership and employees.
  • Mercury Insurance policyholders can earn discounts including accident-free, location of vehicle, professional/association, low natural disaster claims, multi-policy, and good student.
  • Farmers Insurance may include discounts for alternative fuel, mature driver, distant student, switch companies, and multi-car.
  • Auto-Owners Insurance has discounts for multiple vehicles, anti-lock brakes, anti-theft, paperless, mature driver, air bags, and multi-policy.
  • Liberty Mutual may have discounts that include teen driver discount, exclusive group savings, new move discount, hybrid vehicle, and multi-policy.
  • SAFECO has savings for safe driver, accident prevention training, homeowner, drive less, teen safety rewards, and teen safe driver.
  • Progressive discounts include multi-vehicle, online quote discount, continuous coverage, homeowner, online signing, and multi-policy.
  • USAA offers discounts for loyalty savings, new vehicle, multi-vehicle, driver training, multi-policy, and defensive driver.

Before buying, ask each company or agent which discounts they offer. Some discounts listed above might not be offered on policies in your area. If you would like to see a list of insurance companies with the best discounts, follow this link.

When do I need an agent’s advice?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different.

For example, these questions may help highlight whether you may require specific advice.

  • When would I need additional glass coverage?
  • Is a blown tire covered by insurance?
  • Does coverage extend to my business vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • Are my tools covered if they get stolen from my vehicle?
  • How do I buy GAP insurance?
  • Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form.

Insurance coverage basics

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Acura TL.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for collisions

Collision coverage will pay to fix damage to your TL caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, rolling your car, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like nursing services, dental work and surgery. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, damage from a tornado or hurricane and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as bail bonds, legal defense fees, emergency aid, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

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

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More quotes. Lower rates.

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where an insured dropped physical damage coverage only to regret at claim time that the savings was not a smart move. Your focus should be to purchase plenty of coverage for the lowest cost.

We’ve covered quite a bit of information on how to compare 2003 Acura TL insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the most savings is with the least-expected company.

A few companies do not provide online rate quotes and many times these smaller companies sell through independent insurance agents. Budget-friendly car insurance can be sourced on the web in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates.

Additional car insurance information is available at the links below