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: Aug 26, 2018

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Trying to find lower car insurance rates for your Acura TL? Have you fallen victim to overpriced car insurance? It’s quite common and there are lots of residents who feel the same. Many insurance companies compete for your insurance dollar, and because of this it can be hard to compare car insurance companies to discover the definitive best rates possible.

If you have a policy now or need a new policy, you can use this information to reduce the price you pay while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Drivers only need to know the best way to compare company rates on the web.

Insurance cost influencing factors

Lots of things are part of the equation when quoting car insurance. Some of the criteria are obvious like an MVR report, but others are not quite as obvious such as your marital status or your commute time.

  • When should you not file a claims? – Car insurance companies generally give better rates to people who are not frequent claim filers. If you’re an insured who likes to file claims you can definitely plan on either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Is you vocation costing you more? – Did you know that where you work can have an impact on rates? Careers like lawyers, social workers and dentists usually pay higher rates than average because of stressful work requirements and lengthy work days. On the other hand, occupations like scientists, athletes and retirees have the lowest average rates on TL coverage.
  • Driving citations hurt – Good drivers have lower premiums compared to bad drivers. Only having one speeding ticket can increase rates substantially. People who have license-revoking citations such as reckless driving or DUI might be required by their state to submit a SR-22 form with their state DMV in order to legally drive a vehicle.
  • Low deductibles can be expensive – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Acura. Examples of covered claims are a broken windshield, flood damage, and rolling your vehicle. Comprehensive and collision coverage deductibles tell how much you are required to pay before a claim is paid by your company. The larger the amount the insured has to pay upfront, the less money you will pay for insurance coverage on TL coverage.
  • Females tend to cost less – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Males and females are in fender benders in similar percentages, but the males tend to have higher claims. Men also statistically have more aggressive citations like driving under the influence (DUI).

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

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Low cost insurance

Performing a rate comparison can be exhausting if you aren’t aware of the fastest way to get free quotes. You could spend the better part of a day driving to insurance companies in your area, or you could save time and use the internet to get rates in a matter of minutes.

Most of the larger companies participate in an industry program where insurance shoppers complete one form, and every company then returns a price quote based on that information. This prevents consumers from doing repetitive form submissions to each company.

To use this form to compare rates click here to start a free quote.

The single downside to pricing coverage this way is buyers cannot specifically choose the insurers you will receive quotes from. If you wish to select from a list of companies to compare rates, we put together a list of the cheapest insurance companies in your area. Click here to view list.

Whichever method you choose, make sure you are using equivalent coverage information for every quote you compare. If you are comparing different deductibles you can’t possibly truly determine the lowest rate.

More affordable rates with these insurance coverage discounts

Not many people think insurance is cheap, but you may find discounts that you may not know about. Certain reductions will be credited when you get a quote, but occassionally some discounts must be asked about before they will apply.

  • Payment Method – If you pay your bill all at once as opposed to paying monthly you could save up to 5%.
  • Discounts for Federal Employees – Employees or retirees of the government could cut as much as 10% off on TL coverage with select insurance companies.
  • Resident Student – Older children who are enrolled in a college that is more than 100 miles from home and do not take a car to college can receive lower rates.
  • Save over 55 – Drivers that qualify as senior citizens may receive a small discount on rates on TL coverage.
  • Multi-Vehicle Discounts – Having all your vehicles with one company could earn a price break for each car.

As is typical with insurance, some credits don’t apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. Even though it appears all those discounts means the company will pay you, you aren’t that lucky.

A few companies that may have most of these discounts include:

When getting a coverage quote, ask every company which discounts they offer. Some of the earlier mentioned discounts might not be offered everywhere.

Insurance can get complicated

When it comes to choosing the best insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • Who is covered when they drive my 2007 Acura TL?
  • Is upholstery damage covered by car insurance?
  • Am I covered if I drive in a foreign country?
  • Can my teen driver be rated on a liability-only vehicle?
  • Exactly who is provided coverage by my policy?
  • Am I covered when driving in Canada or Mexico?
  • Does my personal policy cover me when driving out-of-state?
  • Why am I required to buy high-risk coverage?
  • When should I buy a commercial auto policy?
  • If my 2007 Acura TL is totaled, can I afford another vehicle?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

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

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Insurance coverages and their meanings

Having a good grasp of insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types found on the average insurance policy.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for bills such as nursing services, X-ray expenses and ambulance fees. They can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, rock chips in glass, damage from getting keyed and hitting a deer. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, rolling your car, colliding with a tree, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to people or other property in an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as loss of income, court costs, emergency aid, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

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

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Summing up your insurance search

Cheap 2007 Acura TL insurance is definitely available on the web as well as from insurance agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not have price quotes online and these smaller companies provide coverage only through independent agents.

Throughout this article, we presented many ways to get a better price on 2007 Acura TL insurance. The key thing to remember is the more you quote auto insurance, the higher the chance of saving money. Consumers could even find that the most savings is with a small local company. They can often provide lower prices in certain areas than the large multi-state companies such as Allstate or State Farm.

When buying insurance coverage, don’t be tempted to skimp on coverage in order to save money. Too many times, an accident victim reduced physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at a price you can afford, but don’t skip important coverages to save money.

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