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: Mar 15, 2018

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Saving money on insurance coverage is kind of frustrating for drivers who are new to quoting and comparing prices online. You have so many options that it can easily turn into more work than you anticipated to find a more affordable company.

Finding the best rates is not that difficult. In a nutshell, every vehicle owner who is shopping for auto insurance will more than likely be able to lower their premiums. But drivers must comprehend how companies price insurance differently and apply this information to your search.

Verify you’re getting every discount

Insurance can cost an arm and a leg, but there could be significant discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied at quote time, but once in a while a discount must be requested specifically before you get the savings.

  • Telematics Data Discounts – Drivers who elect to allow driving data submission to look at vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates as long as the data is positive.
  • Multiple Cars – Purchasing coverage when you have multiple cars or trucks on a single policy can get a discount on all vehicles.
  • Discounts for Government Workers – Federal government employees can save as much as 8% for TL insurance but check with your company.
  • Accident Forgiveness – but companies like GEICO, State Farm, and Progressive allow you one accident without the usual rate increase so long as you haven’t had any claims for a certain period of time.
  • Full Payment Discount – By making one initial payment as opposed to paying monthly you can actually save on your bill.
  • Mature Driver Discount – Older drivers may receive better insurance rates for TL insurance.
  • Homeowners Savings – Owning your own home or condo may earn you a small savings because owning a home means you have a higher level of financial diligence.
  • Cautious Drivers – Accident-free drivers may receive a discount up to 45% for TL insurance compared to accident prone drivers.

It’s important to note that many deductions do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Some of the larger companies that may include these benefits include:

If you need lower rates, check with each company which credits you are entitled to. Savings might not be available to policyholders everywhere. To see companies with discount rates, follow this link.

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

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Compare insurance coverage quotes online

When looking for inexpensive insurance coverage quotes, there are a couple ways of comparing rate quotes from companies that offer insurance coverage in your state. The easiest way by far to do a complete rate comparison is simply to get online rate quotes. This can be done in a couple minutes as outlined below.

The recommended way to get quotes is an all-inclusive rate comparison click to view form in new window. This easy form eliminates the need for separate forms for every insurance coverage company. One simple form will get you price quotes from multiple low-cost companies.It’s the quickest way to get rates.

A different way to find more affordable insurance is to manually visit each company website to request a price quote. For sake of this example, let’s assume you need rates from Allstate, 21st Century and Progressive. To find out each rate you need to spend time going to each site individually and enter your information, which can be really labor intensive.

For a list of links to companies insuring cars in your area, click here.

The method you choose is up to you, but make sure you use equivalent deductibles and coverage limits on every quote. If each company quotes differing limits it will be nearly impossible to truly determine the lowest rate. Just slight variations in coverage limits can result in a big premium difference. It’s important to know that comparing more quotes helps you find lower pricing. Some smaller insurers to not give online rate quotes, so you should also compare price quotes from them as well.

When should I discuss my situation with an agent?

When it comes to buying the best insurance coverage, there really is no single plan that fits everyone. Every situation is different.

For instance, these questions may help you determine whether or not you will benefit from professional help.

  • Exactly who is provided coverage by my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I waive the damage coverage when renting a car?
  • What if I owe more than I can insure my car for?
  • Can I drive in Mexico and have coverage?
  • Am I better off with higher deductibles on my 2005 Acura TL?
  • Are rock chip repairs covered?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my ex-spouse still covered by my policy?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form.

What car insurance coverages do you need?

Understanding the coverages of car insurance can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like damaging your car on a curb, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Acura TL.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses for things like EMT expenses, pain medications, chiropractic care and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as repair bills for other people’s vehicles, repair costs for stationary objects, legal defense fees, loss of income and medical expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive car insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, damage from flooding, theft, hail damage and fire damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

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

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In the end, you save

We just covered a lot of tips how to compare 2005 Acura TL insurance premium rates online. The key concept to understand is the more quotes you get, the better likelihood of getting inexpensive insurance coverage. Consumers may even find the most savings is with the smaller companies.

More affordable insurance can be bought online as well as from insurance agents, so you need to shop insurance coverage with both to have the best selection. There are still a few companies who do not offer the ability to get a quote online and most of the time these small, regional companies provide coverage only through independent insurance agents.

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. There have been many cases where an accident victim reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at the best cost, but do not skimp to save money.

Additional information is located at the links below