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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Trying to find lower auto insurance rates for your Acura TL? Searching for low-cost insurance for an Acura TL can be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to buy auto insurance so we’re going to tell you the proper way to compare rates for a new or used Acura and obtain the lowest price from both online companies and local agents.

It’s a good habit to do price comparisons every six months due to the fact that insurance prices change frequently. Just because you had the lowest price on TL coverage on your last policy you can probably find a better rate quote now. Block out anything you think you know about auto insurance because you’re about to find out the tricks you need to know to reduce your cost while improving coverage.

Why your insurance premiums might be higher

Lots of things are used in the calculation when pricing auto insurance. Some factors are common sense such as your driving record, although some other factors are not as apparent like your continuous coverage or your financial responsibility.One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that go into determining car insurance rates. If you understand what determines premiums, this allows you to make educated decisions that may result in cheaper rates.

  • Rates impacted by your city – Being located in a small town may provide you with better prices when shopping for auto insurance. Drivers who live in large cities regularly have traffic congestion and more severe claims. Less people means a lower chance of having an accident and a lower car theft rate.
  • Cautious drivers pay less – A bad driving record impacts premiums far more than you think. Attentive drivers receive lower rates than people who have multiple driving citations. Getting just one moving violation may cause rates to rise twenty percent or more. People who have severe violations such as DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state in order to prevent a license revocation.
  • Better rates on safer cars – Safe vehicles are cheaper to insure. Vehicles built for safety result in less severe injuries and lower rates of occupant injuries means your insurance company pays less which can result in lower premiums.
  • Do you really need to file that insurance claims? – Auto insurance companies give better rates to drivers who file claims infrequently. If you file a lot of claims you can pretty much guarantee higher rates. Your insurance policy is designed for larger claims.
  • Liability coverage limits on your policy – Your policy’s liability coverage is the protection when you are determined to be liable for physical damage or personal injury to other. Your liability coverage provides legal defense coverage which can be incredibly expensive. It is affordable coverage compared to physical damage coverage, so do not cut corners here.
  • Cheaper rates with high coverage deductibles – The deductibles tell how much you are willing to pay before your car insurance pays a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply are a windshield broken by a bird, hail damage, and damage from wind. The larger the amount you are required to pay out-of-pocket, the better rate you will receive on TL coverage.
  • Stress out and pay more – Did you know that where you work can have an impact on rates? Occupations such as fire fighters, business owners and miners are shown to have higher premium rates attributed to intense work requirements and extremely grueling work hours. On the other hand, careers such as actors, students and retirees receive lower rates on TL coverage.

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

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How much does insurance cost?

Finding a better price on insurance is not a difficult process. Just take the time comparing rate quotes from some recommended companies. Rate comparisons can be done using a couple different methods.

  • The single most time-saving way to get quotes would be an industry-wide quote request form click here to open form in new window. This easy form saves time by eliminating separate quotation requests for every company. One simple form gets coverage cost estimates from several companies. This is by far the quickest method.
  • A less efficient way to find more affordable insurance requires a trip to each individual company website and repeat the quote process again and again. For instance, let’s assume you want to view quotes from Liberty Mutual, GEICO and Progressive. In order to compare rates, you need to spend time going to each site individually and type in your information over and over, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just try to keep apples-to-apples deductibles and coverage limits for each quote you get. If you use different liability limits you can’t possibly determine the best price for your Acura TL.

Auto insurance ads are enticing

Consumers can’t get away from all the ads that promise big savings for switching by companies like 21st Century, Allstate and State Farm. They all seem to advertise claims that drivers can save some big amount just by moving to them.

How does every auto insurance company cost less than your current company? It’s all in the numbers.

Insurance providers offer their best rates for the type of customer that is profitable for them. An example of a profitable insured could possibly be between 25 and 40, has never had a policy lapse, and drives a lower-performance vehicle. A customer getting a price quote who fits those characteristics will get the preferred prices and most likely will cut their rates if they switch.

Potential insureds who may not quite match the ideal profile will be quoted more expensive rates which results in the driver buying from a lower-cost company. The ads state “drivers who switch” but not “all drivers who get quotes” save that kind of money. That is how companies can truthfully make claims like that.

This really drives home the point why you should get auto insurance quotes from several different companies. Because without a comparison, you cannot know the company that will have the lowest rates.

Car insurance discounts are available to cut your rates

Some providers do not advertise every policy discount very well, so below is a list some of the best known as well as some of the hidden discounts that you may qualify for.

  • Data Collection Discounts – Policyholders that allow their car insurance company to track when and where they use their vehicle by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they are good drivers.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices help deter theft and earn discounts up to 10% off your auto insurance quote.
  • Low Miles Discount – Low mileage vehicles could qualify for lower prices on the low mileage vehicles.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education as it can save substantially.
  • E-sign – A few insurance companies will give a small break for buying your policy on the internet.
  • Early Switch Discount – Some companies give discounts for switching policies before your current policy expires. It’s a savings of about 10%.
  • Smart Student Discounts – Performing well in school can save 20 to 25%. Most companies allow this discount up to age 25.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to fasten their seat belts can save 10% or more off the personal injury premium cost.

It’s important to understand that most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Some of the insurance companies that possibly offer most of the discounts above may include but are not limited to:

Double check with all companies you are considering which discounts you qualify for. A few discounts may not be available in your area. If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts, click here to view.

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

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Everyone needs different insurance coverage coverages

When it comes to buying adequate coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different.

For example, these questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Is my 2012 Acura TL covered for flood damage?
  • Do I have any recourse if my insurance company denies a claim?
  • What is UM/UIM insurance?
  • I don’t drive much so do I pay less?
  • Am I covered if I wreck a rental car?
  • What exactly is covered by my policy?
  • Do all my vehicles need collision coverage?
  • If my pet gets injured in an accident are they covered?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Why am I required to buy liability insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Specific coverages for an Acura TL

Learning about specific coverages of insurance aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, hail damage and falling objects. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses for dental work, surgery, rehabilitation expenses, prosthetic devices and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

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

Collision can pay for things such as sustaining damage from a pot hole, backing into a parked car, crashing into a ditch, crashing into a building and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Auto liability insurance

This provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as loss of income, medical services, funeral expenses and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Don’t be a big spender

Affordable 2012 Acura TL insurance is possible online and from local agencies, and you need to comparison shop both to have the best selection. A few companies may not provide rate quotes online and these small insurance companies sell through local independent agents.

When searching for the cheapest auto insurance quotes, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where someone sacrificed collision coverage and found out when filing a claim that they should have had better coverage. Your goal is to find the BEST coverage for the lowest price.

In this article, we presented a lot of tips how to shop for 2012 Acura TL insurance online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Consumers could even find that the biggest savings come from the smaller companies.

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