The best way we recommend to get discount Acura TL insurance is to compare prices once a year from different companies who sell auto insurance in Jacksonville.
First, spend some time learning about car insurance and the changes you can make to drop your rates. Many factors that result in higher prices such as traffic violations and an imperfect credit rating can be improved by making minor changes in your lifestyle. Continue reading for more details to get affordable coverage and get discounts that may be available to you.
Second, compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Allstate, while agents who are independent can provide prices for a wide range of companies.
Third, compare the new rate quotes to your current policy premium to see if a cheaper price is available in Jacksonville. If you can save money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide proper notification to your current company of your intent to cancel your current coverage. Submit payment and a signed application to your new agent or company. When you receive it, put the new proof of insurance certificate with your registration paperwork.
One thing to point out is to compare identical limits and deductibles on each price quote and and to get prices from as many car insurance companies as possible. This ensures a fair rate comparison and maximum price selection.
Sadly, the vast majority of consumers have been with the same company for four years or more, and roughly 40% of drivers have never taken the time to shop around. Jacksonville insurance shoppers could save themselves nearly $1,100 a year by just comparing quotes, but they just don't understand the large savings they would see if they switched to a cheaper policy.
How to buy Acura TL insurance in Jacksonville
All the larger insurance companies like State Farm and Allstate give coverage price quotes direct online. This process is fairly simple because you just enter the coverages you want on the page. After you submit the form their system requests your credit score and driving record and returns a price quote. This helps simplify price comparisons, and it is important to do this if you are searching for the lowest payment possible.
To quickly find out how much you're overpaying now, compare quotes from the companies shown below. If you have a policy now, it's recommended you enter coverages and limits as close as possible to your current policy. Doing this assures you're receiving rate quotes based on identical coverages.
The companies in the list below have been selected to offer price quotes in Florida. If multiple providers are shown, we suggest you visit as many as you can to get a more complete price comparison.
Choosing Acura vehicle insurance is an important decision
Despite the potentially high cost of Acura TL insurance, insuring your vehicle may be required for several reasons.
First, the majority of states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability in order to drive the car legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your car, most banks will stipulate that you buy insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank will be required to insure your Acura at an extremely high rate and require you to pay a much higher amount than you were paying before.
Third, car insurance preserves both your car and your personal assets. It will also pay for medical bills for yourself as well as anyone injured by you. Liability coverage will also pay for a defense attorney if anyone sues you for causing an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of having car insurance outweigh the cost, specifically if you ever have a liability claim. Despite what companies tell you, the average driver overpays as much as $800 each year so compare rates each time the policy renews to ensure rates are inline.
Insurance coverage analysis
The coverage information below highlights a range of policy rates for Acura TL models. Understanding how auto insurance policy rates are calculated is important for making informed decisions when shopping around for a new policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|TL 3.5 W/Technology Package||$296||$516||$418||$24||$124||$1,378||$115|
|TL 3.7 SH AWD||$296||$516||$418||$24||$124||$1,378||$115|
|TL 3.7 SH W/Technology Package AWD||$296||$594||$418||$24||$124||$1,456||$121|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in specific zip code location which can impact auto insurance rates noticeably.
Careless Jacksonville drivers pay higher rates
The illustration below highlights how speeding tickets and accident claims drive up Acura TL insurance prices for different categories of driver ages. The costs are based on a married male driver, comp and collision included, $250 deductibles, and no other discounts are factored in.
Full coverage versus liability-only in Jacksonville
The diagram below visualizes the comparison of Acura TL insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no driving violations, no at-fault accidents, $1,000 deductibles, single status, and no other discounts are factored in.
Should you be buying full coverage?
There is no definitive formula of when to exclude full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let's say your Acura TL settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,000 after the policy deductible has been paid. If you are paying over $300 a year for your policy with full coverage, then it might be time to consider dropping full coverage.
There are some scenarios where buying only liability insurance is not advised. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Earn discounts on Jacksonville auto insurance
Companies that sell car insurance don't always publicize all discounts very well, so we researched some of the best known and also the lesser-known savings tricks you should be using when you buy Jacksonville auto insurance online. If you check and find you aren't receiving every discount possible, you are paying more than you should be.
- Organization Discounts - Belonging to specific professional or occupational memberships or organizations may earn a discount on auto insurance.
- Renewal Discounts - A few auto insurance companies allow discounts for signing up prior to your current TL insurance policy expiration. You may see this discount when you get Jacksonville auto insurance quotes online.
- Driving Data Discount - Jacksonville drivers who agree to allow companies to look at their driving habits by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate's Drivewise system could save a few bucks if they are good drivers.
- Air Bags and Passive Restraints - Factory air bags can receive discounts up to 30%.
- ABS and Traction Control Discounts - Anti-lock brake equipped vehicles are safer to drive so companies give up to a 10% discount.
- Discount for Multiple Policies - If you can bundle your homeowners and auto insurance with the same company you may save nearly 15% which can help you find affordable Acura TL insurance rates in Jacksonville.
- Seat Belt Discounts - Requiring all passengers to use their safety belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
You should keep in mind that some credits don't apply to the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, it doesn't quite work that way.
The information below illustrates the comparison of Acura TL auto insurance costs with and without discounts applied to the rates. The prices are based on a female driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, multi-policy, multi-car, and safe-driver discounts applied.
A list of companies and their offered discounts are:
- Esurance discounts include Pac-12 alumni, emergency road assistance, homeowner, anti-theft, good student, and good driver.
- The Hartford may have discounts that include anti-theft, defensive driver, vehicle fuel type, driver training, air bag, and good student.
- AAA has savings for anti-theft, good student, education and occupation, good driver, multi-car, pay-in-full, and multi-policy.
- GEICO policyholders can earn discounts including seat belt use, multi-vehicle, anti-theft, defensive driver, and multi-policy.
- State Farm may include discounts for student away at school, safe vehicle, good student, driver's education, and Steer Clear safe driver discount.
If you need affordable Jacksonville auto insurance quotes, ask all companies you are considering to give you their best rates. Savings might not be offered in Jacksonville. If you would like to see a list of insurance companies who offer discounts in Jacksonville, click here.