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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Buyers have lots of choices when searching for low-cost Acura TL insurance. You can either spend your time driving around to compare prices or save time using the internet to get rate quotes.

There are more efficient ways to find auto insurance online so we’re going to tell you the absolute fastest way to compare rates for a Acura and locate the lowest possible price from both online companies and local agents.

How to find low cost car insurance

There are several ways to shop for car insurance, but there is one way that is less time-consuming than others. You can spend countless hours driving to insurance companies in your area, or you can utilize online quotes to accomplish the same thing much quicker.

All the larger companies belong to a marketplace that enables customers to complete one form, and each company can give them a price based on that information. This saves time by eliminating repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here to open in new window.

One minor caviat to doing it this way is that consumers can’t choose which insurance companies you want pricing from. If you wish to select specific providers to compare, we put together a list of low cost car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make sure you are using the exact same quote information for each price quote. If you compare different data you will not be able to determine the lowest rate for your Acura TL.

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

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Don’t miss these five discounts

The price of auto insurance can be rather high, but companies offer discounts that can help lower your rates. A few discounts will automatically apply at the time of quoting, but some discounts are required to be asked for prior to getting the savings.

  • Multiple Cars – Buying a policy with multiple vehicles on the same auto insurance policy can reduce the rates for all insured vehicles.
  • Discounts for Federal Employees – Active or former government employment may reduce rates when you quote car insurance for TL insurance depending on your company.
  • Student Discount for Driver Training – Teen drivers should successfully complete driver’s ed class in high school.
  • Anti-lock Brakes – Cars and trucks that have anti-lock braking systems prevent accidents and will save you 10% or more.
  • No Accidents – Drivers who don’t have accidents get the best auto insurance rates in comparison with insureds who have frequent claims or accidents.

A quick disclaimer, most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

A few of the larger companies and some of the premium reductions they offer are:

  • State Farm includes discounts for good student, multiple autos, Drive Safe & Save, student away at school, passive restraint, Steer Clear safe driver discount, and safe vehicle.
  • GEICO discounts include emergency military deployment, seat belt use, multi-policy, defensive driver, and federal employee.
  • Progressive may have discounts that include continuous coverage, good student, homeowner, online signing, multi-vehicle, multi-policy, and online quote discount.
  • 21st Century has savings for teen driver, air bags, anti-lock brakes, good student, automatic seat belts, driver training, and theft prevention.
  • American Family offers premium reductions for mySafetyValet, accident-free, air bags, early bird, multi-vehicle, and good student.
  • The Hartford may offer discounts for good student, vehicle fuel type, air bag, anti-theft, driver training, and defensive driver.
  • AAA offers discounts including multi-policy, anti-theft, pay-in-full, good driver, education and occupation, and good student.

Double check with all the companies which discounts they offer. Discounts might not be offered on policies in every state. If you would like to see a list of insurance companies with discount auto insurance rates, click this link.

Special considerations

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if your situation will benefit from professional help.

  • Is business equipment covered while in my vehicle?
  • Is my trailer covered?
  • How high should my uninsured/underinsured coverage be in my state?
  • Why is insurance for a teen driver so high?
  • Should I buy additional glass protection?
  • Which companies will insure high-risk drivers?
  • When should I not file a claim?
  • Is business property covered if stolen from my car?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Tricks in insurance coverage advertising

Consumers can’t ignore all the ads for insurance coverage savings by companies like Allstate, GEICO and Progressive. They all say the same thing of big savings if you move your insurance coverage policy to them.

How does each company sell you cheaper insurance coverage? This is how they do it.

All the different companies have underwriting criteria for the driver that is profitable for them. A good example of a profitable risk profile could be between the ages of 40 and 55, carries high limits, and does not commute to work. Any person that fits those parameters receive the lowest rate quotes and will probably save quite a bit of money when switching.

Potential insureds who may not quite match those standards may receive higher premiums which usually ends up with the prospect going elsewhere. The wording the ads use say “people who switch” not “everyone who quotes” save that much money. That’s why companies can truthfully make those claims.

This really drives home the point why you really need to get car insurance quotes as often as possible. It is impossible to predict which company will have the best premium rates.

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

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Car insurance policy coverages for an Acura TL

Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage

This will pay to fix 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 claims like colliding with a tree, rolling your car, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured or underinsured coverage

This provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Acura TL.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as surgery, dental work, chiropractic care, doctor visits and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, damage from flooding, damage from getting keyed, hitting a deer and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as medical services, bail bonds and attorney fees. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Final considerations

When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. There have been many situations where someone dropped liability coverage limits and discovered at claim time they didn’t have enough coverage. Your strategy should be to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

You just read a lot of information how to compare 2010 Acura TL insurance premium rates online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with the smaller companies.

Cheap 2010 Acura TL insurance can be sourced online and with local insurance agents, so you need to shop car insurance with both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and these smaller providers provide coverage only through independent insurance agents.

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