Affordable Quotes for Acura TL Insurance in Louisville

Insurance for Acura TLScraping up a payment for overpriced Acura TL insurance in Louisville can deplete your family’s budget and force you to make sacrifices. Shopping your coverage around is an excellent way to lower your bills every month.

Astonishing but true according to a recent study, most insurance customers kept buying from the same company for at least the last four years, and approximately 38% of consumers have never even compared quotes to find cheap rates. Many consumers in Louisville can save hundreds of dollars each year by just shopping around, but they won’t spend time to compare other rate quotes.

Popular companies such as GEICO, 21st Century and Progressive promote their brand names with TV and radio ads and consumers find it hard to ignore the flying pigs and cute green geckos and find the best price available.

Consumers need to get comparison quotes at least once a year since rates are rarely the same from one policy term to another. Just because you found the best rate on Acura TL insurance in Louisville at your last renewal a different company probably has better prices today. You can find a lot of misleading information regarding TL insurance out there, but by reading this article, you’re going to learn some great ways to find cheap insurance in Louisville.

If you currently have a car insurance policy, you will most likely be able to find better prices using these methods. Locating the most cost-effective auto insurance policy in Louisville is not that difficult. But Kentucky drivers can benefit from knowing how insurance companies price online insurance because it can help you find the best coverage.

Six Tips to Get Cheap Louisville Insurance Premiums

Lots of factors are used when quoting car insurance. Some factors are common sense such as your driving record, but some are more transparent such as your credit history or your financial responsibility. It’s important that you understand the different types of things that aid in calculating the level of your policy premiums. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you much lower annual insurance costs.

Acura TL insurance analysis

The rate table displayed next covers a range of rate quotes for Acura TL models. Having a good understanding how insurance policy rates are formulated can benefit drivers when making informed purchases.

Acura TL Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $170 $308 $334 $20 $100 $932 $78
TL 3.5 W/Technology Package $170 $308 $334 $20 $100 $932 $78
TL 3.7 SH AWD $170 $308 $334 $20 $100 $932 $78
TL 3.7 SH W/Technology Package AWD $170 $356 $334 $20 $100 $980 $82
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in specific garaging location which can raise or lower auto insurance rates noticeably.

Choosing deductibles

When buying auto insurance, a common question is how high should the deductibles for physical damage be. The following tables approximate the differences in price when you choose different policy deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Acura TL insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $284 $500 $326 $20 $98 $1,253 $104
TL 3.5 W/Technology Package $284 $500 $326 $20 $98 $1,253 $104
TL 3.7 SH AWD $284 $500 $326 $20 $98 $1,253 $104
TL 3.7 SH W/Technology Package AWD $284 $576 $326 $20 $98 $1,329 $111
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Acura TL insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $232 $404 $326 $20 $98 $1,080 $90
TL 3.5 W/Technology Package $232 $404 $326 $20 $98 $1,080 $90
TL 3.7 SH AWD $232 $404 $326 $20 $98 $1,080 $90
TL 3.7 SH W/Technology Package AWD $232 $466 $326 $20 $98 $1,142 $95
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can influence premiums greatly.

Based on the figures above, using a $250 deductible will cost you approximately $15 more each month or $180 every year than opting for the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 17 months between claim filings, you would save more money by going with a higher deductible.

The chart below demonstrates how deductibles and can affect Acura TL insurance costs for each different age category. Data assumes a married male driver, comp and collision included, and no additional discounts are factored in.

Score discounts to get cheaper Louisville car insurance quotes

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that can help lower your rates. A few discounts will automatically apply at quote time, but lesser-known reductions have to be specially asked for before you will receive the discount. If you aren’t receiving every discount you deserve, you could be saving more on your car insurance.Cheaper car insurance with discounts

As a sidenote, some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. Even though the math looks like you can get free auto insurance, car insurance companies aren’t that generous.

The illustration below illustrates the comparison of Acura TL insurance prices with and without discounts. The premiums are based on a male driver, a clean driving record, no at-fault accidents, Kentucky state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, marriage, claim-free, and multi-policy discounts applied.

Companies and some of the discounts are included below.

When comparing rates, check with every insurance company how many discounts you can get. Some of the discounts discussed earlier may not be available in Louisville. To find insurance companies that provide some of the discounts listed above in Louisville, click here to view.

Shop around and save

You just read some good ideas how to lower your Acura TL insurance premium rates in Louisville. The most important thing to understand is the more companies you get prices for, the better your chances of lowering your prices. You may even find the biggest savings come from some of the smallest insurance companies. These companies may only write in your state and offer lower prices as compared to the big name companies such as Allstate or State Farm.

The cheapest Acura TL insurance in Louisville can be sourced on the web as well as from independent agents in Louisville, so get free Louisville car insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers do not offer the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agencies.

Steps to saving on Acura TL insurance in Louisville

If saving the most money is your goal, then the best way to save on Acura TL insurance is to start doing an annual price comparison from different companies in Louisville. You can shop around by following these steps.

  1. Take a little time to learn about auto insurance and the steps you can take to drop your rates. Many rating factors that result in higher rates like high-risk driving behaviors and a bad credit rating can be amended by making minor driving habit or lifestyle changes.
  2. Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or Farmers Insurance, while agents who are independent can quote rates from multiple sources.
  3. Compare the new rates to your current policy premium to see if a cheaper price is available. If you can save some money and make a switch, make sure there is no lapse in coverage.

The key thing to know about shopping around is to use similar coverage information on each price quote and and to analyze as many different insurance providers as possible. Doing this enables an apples-to-apples comparison and maximum price selection.

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