Save on Acura TL Insurance in Raleigh

Insurance quote for Acura TL in RaleighDo you need a better way to compare more affordable Acura TL insurance in Raleigh? Searching for better insurance prices for a new or used Acura TL in North Carolina could be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to find auto insurance online so we’re going to tell you the best way to get price quotes for a Acura and locate the lowest possible price from both online companies and Raleigh agents.

Surprisingly, a recent survey revealed that over 70% of consumers have bought auto insurance from the same company for well over three years, and practically 40% of auto insurance customers have never even compared quotes to find cheap rates. With the average premium in North Carolina being $976, drivers can save 10% each year by just comparing rate quotes, but they don’t understand how simple it is to shop around.

Car insurance discounts are available to cut your rates

Some insurance providers don’t always publicize their entire list of discounts very clearly, so the below list has both well-publicized and the harder-to-find car insurance savings.

Drivers should understand that some of the credits will not apply to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, car insurance companies aren’t that generous.

The illustration below compares Acura TL car insurance rates with and without policy discounts. The premiums assume a male driver, no claims, a clean driving record, North Carolina state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, safe-driver, homeowner, and multi-policy discounts applied.

To see a list of insurers with discount rates in Raleigh, click this link.

The fastest way that we advise to compare rate quotes for Acura TL insurance in Raleigh is to understand car insurance companies provide online access to give rate comparisons. All you need to do is provide a small amount of information such as if you lease or own, how much you drive, if a SR-22 is needed, and your credit rating estimate. Those rating factors gets transmitted to multiple companies and you will get price comparisons instantly.

To start a rate quote now, click here and enter the information requested.

The following companies can provide quotes in North Carolina. If multiple companies are listed, we recommend you visit two to three different companies to find the most affordable car insurance rates.

Detailed insurance information

The coverage information displayed next showcases different policy rates for Acura TL models. Being more informed about how car insurance premiums are calculated can help guide drivers when making decisions when shopping your coverage around.

Acura TL Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $172 $302 $254 $16 $76 $820 $68
TL 3.5 W/Technology Package $172 $302 $254 $16 $76 $820 $68
TL 3.7 SH AWD $172 $302 $254 $16 $76 $820 $68
TL 3.7 SH W/Technology Package AWD $172 $348 $254 $16 $76 $866 $72
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price estimates do not factor in specific location information which can impact auto insurance rates considerably.

How high should deductibles be?

One of the hardest decisions when shopping for insurance is how low should you set your deductibles. The following tables highlight the rate fluctuation between high and low insurance deductibles. The first data set uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.

Acura TL insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $218 $382 $250 $14 $74 $963 $80
TL 3.5 W/Technology Package $218 $382 $250 $14 $74 $963 $80
TL 3.7 SH AWD $218 $382 $250 $14 $74 $963 $80
TL 3.7 SH W/Technology Package AWD $218 $440 $250 $14 $74 $1,021 $85
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Acura TL insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $176 $308 $250 $14 $74 $822 $69
TL 3.5 W/Technology Package $176 $308 $250 $14 $74 $822 $69
TL 3.7 SH AWD $176 $308 $250 $14 $74 $822 $69
TL 3.7 SH W/Technology Package AWD $176 $354 $250 $14 $74 $868 $72
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price estimates do not factor in zip code location which can change insurance rates noticeably.

Based on these figures, using a $250 deductible will cost you about $11 more each month or $132 annually than selecting the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 23 months between claim filings, you would probably be better off by going with a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $81
Average monthly premium for $500 deductibles (subtract): – $70
Monthly savings from raising deductible: $11
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important caveat is that increasing deductibles to lower your rates means you will have to pay more of your own money when you have a claim. You need to have enough savings in order to pay the higher deductible.

Poor driving habits will raise your insurance rates

The information below illustrates how traffic citations and fender-benders can increase Acura TL insurance costs for different age groups of insureds. The premiums assume a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

Acura TL insurance premiums by gender

The chart below visualizes the comparison of Acura TL insurance prices for male and female drivers. The costs are based on no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, single status, and no discounts are applied.

How Insurance Providers Calculate Acura TL Insurance Costs

Many things are used in the calculation when pricing auto insurance. Some are pretty understandable such as your driving history, but other criteria are more obscure like your continuous coverage or your vehicle rating. It’s important that you understand the factors that help determine the level of your policy premiums. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in lower rates.

Drive a fast vehicle and pay more – The performance level of the vehicle you are insuring makes a substantial difference in determining your rates. Lower cost passenger cars normally have pretty low rates, but your final cost has many other factors.

The next chart uses these variables: married female driver age 50, full coverage with $100 deductibles, and no discounts or violations. It illustrates Acura TL car insurance rates compared to other models that have different performance risks.

Don’t cut corners with liability protection – Your policy’s liability coverage provides coverage in the event that you are found to be at fault for damages from an accident. Liability insurance provides you with a defense in court which can cost a lot. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.

Low coverage deductibles cost more – Comprehensive and collision coverage deductibles define how much you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your car. Some instances where coverage would apply are rear-ending another vehicle, fire damage, and damage caused by road hazards. The more money you’re willing to pay, the bigger discount you will receive.

Reduce rates by staying claim free – Auto insurance companies in North Carolina award the lowest premiums to drivers who are claim-free. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.

Your age impacts your prices – More experienced drivers are viewed as being more responsible, cause fewer claims and accidents, and tend to be get fewer driving tickets. Youthful drivers have a tendency to be easily distracted when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.

The following chart is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

Premiums may be higher where you live – Choosing to live in small towns and rural areas may provide you with better prices when shopping for auto insurance. Urban drivers regularly have congested traffic and higher rates of accident claims. Fewer drivers on the road corresponds to lower accident rates and a lower car theft rate.

Choose high NHTSA crash test ratings and save – Cars with five star safety ratings cost less 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 mean better rates for you. If your Acura TL is rated at a minimum four stars on or an “acceptable” rating on it may cost less to insure.

Loss probability for an Acura TL – Insurance companies use claims history as a way to help calculate a profitable premium price. Vehicles that are shown to have higher frequency or amount of claims will cost more for specific coverages. The information below illustrates the historical loss data for Acura TL vehicles.

For each policy coverage, the claim probability for all vehicles, as an average, is represented as 100. Percentages below 100 suggest a better than average loss history, while values that are above 100 point to more losses or tendency to have higher losses.

Acura TL Insurance Loss Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Acura TLX 4dr 2WD 90 75 97 93 74 77
Acura TLX 4dr 4WD 120 75

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

Your situation helps dictate your coverage

When buying the best auto insurance coverage, there really is not a perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight if your situation would benefit from professional advice.

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Are car insurance agents a thing of the past?

Many drivers just prefer to go talk to an agent and there is nothing wrong with that. Agents are highly skilled in risk management and give you someone to call. One of the great benefits of getting free rate quotes online is that drivers can save money and get lower rates and still buy from a local agent. Buying from and supporting local agents is especially important in Raleigh.

Upon completion of this simple form, your information is emailed to agents in your area that give free quotes for your insurance coverage. There is no need to visit any agencies as quotes are delivered to you directly. If you want to compare rates from one company in particular, you just need to search and find their rate quote page and fill out the quote form the provide.

Shown below is a short list of auto insurance companies in Raleigh that may be willing to give price quote information for Acura TL insurance in Raleigh.

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Finding the right provider requires more thought than just a cheap quote. The questions below may impact your decision as well.

Upon receiving acceptable answers to any questions you have as well as an affordable premium quote, you have narrowed it down to a company that meets the requirements to properly insure your vehicles. It’s important to know that once you purchase a policy you can cancel your policy for any reason so never assume that you are permanently stuck with any particular company for a certain time period.

Car insurance protects more than just your car

Despite the high cost, maintaining insurance is required by state law in North Carolina and it also provides benefits you may not be aware of.

The benefits of carrying enough insurance greatly outweigh the cost, particularly for liability claims. Unknowingly, the average driver overpays more than $825 a year so you should quote and compare rates at every renewal to be sure current rates are still competitive.

More quotes mean more auto insurance savings

When shopping online for auto insurance, never buy poor coverage just to save money. In many cases, drivers have reduced physical damage coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.

Cheap Acura TL insurance in Raleigh can be purchased online and from local agencies, so get free Raleigh auto insurance quotes from both of them to have the best rate selection. There are still a few companies who may not offer online quoting and these smaller companies only sell coverage through independent agents.

Steps to finding cheaper Acura TL insurance in Raleigh

To save the most money, the best way to get low-cost Acura TL insurance is to regularly compare prices from providers who provide auto insurance in Raleigh. Rate comparisons can be done by following these steps.

  1. Spend some time learning about what coverages are included in your policy and the factors you can control to keep rates in check. Many risk factors that cause rate increases such as accidents, traffic tickets, and an imperfect credit history can be eliminated by making minor changes to your lifestyle.
  2. Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO or State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers.
  3. Compare the new rates to your current policy to see if a cheaper rate is available. If you can save money, ensure there is no coverage lapse between policies.
  4. Give notification to your agent or company of your intention to cancel your current coverage. Submit the signed application along with the required initial payment to the newly selected company. Immediately place the new proof of insurance certificate along with the vehicle’s registration papers.

One key aspect when comparing rates is that you’ll want to compare similar coverage information on every price quote and and to compare as many different companies as possible. Doing this enables an accurate price comparison and many rates to choose from.

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