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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If you’re shopping for more affordable insurance online, do you get confused by the sheer number of car insurance sources in your area? people have so many options that it can really be hard work to find lower rates.

More discounts mean cheaper premiums

Insurance can cost an arm and a leg, but there are discounts available that can dramatically reduce your bill. Some trigger automatically when you get a quote, but a few must be asked about before you will receive the discount. If you don’t get every credit you qualify for, you could be paying more than you need to.

  • Defensive Driver Discount – Taking part in a course in driver safety may get you a small discount depending on where you live.
  • Student in College – Kids living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • 55 and Retired – Drivers that qualify as senior citizens may qualify for a discount up to 10% on TL coverage.
  • Driving Data Discount – Policyholders that allow companies to look at when and where they use their vehicle remotely such as Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the medical payments premium.
  • New Vehicle Savings – Buying a new car instead of a used car can get you a discount because newer models are generally safer.

As a footnote on discounts, some credits don’t apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears you could get a free car insurance policy, you aren’t that lucky. Any amount of discount should help lower your policy premiums.

Some companies that have most of these discounts may include but are not limited to:

If you need cheaper insurance quotes, ask every company which discounts you may be entitled to. Some discounts may not apply to policies in your area. If you would like to view insurance companies that offer many of these discounts, click here.

The easiest way to compare rate quotes takes advantage of the fact auto insurance companies allow for online access to provide you with a free rate quote. The only thing you need to do is provide a little information such as the type of vehicles you drive, your credit rating estimate, whether you drive to work or school, and the ages of drivers. Those rating factors is then submitted to insurance carriers in your area and you get price estimates quickly.

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

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It’s not one size fits all

When choosing proper insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining if your situation may require specific advice.

  • Am I covered if my car is in a flood?
  • Am I covered when driving a rental car?
  • How much liability do I need to cover my assets?
  • What exactly is covered by my policy?
  • Does medical payments coverage apply to all occupants?
  • Should I have a commercial auto policy?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I rate my 2004 Acura TL as pleasure use or commute?
  • Is a new car covered when I drive it off the dealer lot?
  • What are the financial responsibility laws in my state?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance 101

Knowing the specifics of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for collisions

This covers damage to your TL resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, damage from flooding, rock chips in glass and a broken windshield. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for bills for chiropractic care, ambulance fees and X-ray expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Liability coverage

Liability coverage will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as pain and suffering, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

More effort can pay off

We just showed you quite a bit of information on how to compare 2004 Acura TL insurance prices online. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding affordable insurance. Drivers may discover the biggest savings come from a small local company.

Cost effective 2004 Acura TL insurance is available both online and from local agencies, so you need to shop insurance with both to have the best rate selection. Some insurance providers may not offer online rate quotes and these small insurance companies only sell coverage through independent agencies.

Insureds change insurance companies for a number of reasons such as denial of a claim, high prices, high rates after DUI convictions and policy cancellation. It doesn’t matter why you want to switch switching car insurance companies is pretty simple and you could end up saving a buck or two.

Additional detailed information can be found in the articles below: