Insurance rates Acura TL in EvansvilleLocating the cheapest insurance for an Acura TL in Indiana can normally be a lot of work, but you can learn these tips to save time. There are both good and bad ways to compare insurance rates so you're going to learn the absolute fastest way to price shop coverage for a Acura and obtain the best price possible either online or from Evansville insurance agents.

Low-cost car insurance in Evansville, IN

The companies shown below can provide free quotes in Indiana. If multiple companies are shown, we recommend you visit two to three different companies to get the most competitive price.

Acura TL Insurance Cost Estimates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $148 $312 $340 $20 $102 $922 $77
TL 3.5 W/Technology Package $130 $280 $318 $18 $94 $840 $70
TL 3.7 SH AWD $192 $392 $364 $22 $110 $1,080 $90
TL 3.7 SH W/Technology Package AWD $236 $560 $364 $22 $110 $1,292 $108
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in specific Evansville garaging location which can impact coverage prices substantially.

Men versus women drivers and insurance cost

The example below compares Acura TL auto insurance rates for male and female drivers. The premiums assume no violations or claims, full physical damage coverage, $250 deductibles, drivers are single, and no other discounts are factored in.

An analysis of deductible level

One of the most common car insurance questions is how high or low should comp and collision deductibles be. The comparisons below can help illustrate the price difference between high and low policy deductibles. The first table uses a $100 comprehensive and collision deductible and the second rate chart uses a $500 deductible.

Acura TL insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $272 $514 $280 $16 $84 $1,191 $99
TL 3.5 W/Technology Package $272 $514 $280 $16 $84 $1,191 $99
TL 3.7 SH AWD $272 $514 $280 $16 $84 $1,191 $99
TL 3.7 SH W/Technology Package AWD $272 $592 $280 $16 $84 $1,269 $106
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Acura TL insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $200 $348 $280 $16 $84 $928 $77
TL 3.5 W/Technology Package $200 $348 $280 $16 $84 $928 $77
TL 3.7 SH AWD $200 $348 $280 $16 $84 $928 $77
TL 3.7 SH W/Technology Package AWD $200 $400 $280 $16 $84 $980 $82
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can influence premium rates greatly.

We can derive from the above data that using a $100 deductible costs an average of $23 more each month or $276 every year than opting for the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 17 months between claims, you would probably come out ahead if you choose the higher deductible.

Components of Your Acura TL Insurance Prices

Lots of things are taken into consideration when pricing auto insurance. Most are fairly basic such as your driving history, but other criteria are more obscure like where you live or your financial responsibility.

Shown below are some of the major factors used by companies to determine your rate level.

Save money by having multiple policies - Many insurance companies provide lower prices to policyholders who have multiple policies with them. It's known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, you may still want to shop around to help guarantee you have the best rates. Drivers may still find lower rates by buying from different companies

Cars with good safety ratings lower prices - Vehicles with high crash test scores tend to be cheaper to insure. Highly rated vehicles reduce the chance of injuries and lower rates of occupant injuries means your insurance company pays less passed on to you as lower rates.

Where you live is a factor - Living in a small town can save you money if you are looking for the lowest rates. Fewer drivers and short commutes means reduced accidents in addition to fewer liability claims. Residents of big cities tend to have congested traffic and more time behind the wheel. Higher commute times means more chance of being in an accident.

Premiums go up with performance - The performance level of the car you drive makes a significant difference in the rate you pay. The most favorable rates are usually for lower cost passenger cars, but there are many factors that impact the final cost. Since the Acura TL is a luxury sports car, insuring your vehicle will cost up to twice as much as compared to the average rate in Evansville.

Proper usage rating affects costs - The higher the miles on your Acura each year the more you'll pay to insure your vehicle. Almost all companies apply a rate determined by how the vehicle is used. Vehicles that are left in the garage qualify for better rates than those that get driven frequently. It's a smart idea to ensure your auto insurance declarations sheet reflects how each vehicle is driven. Having an incorrect usage rating on your TL may be costing you higher rates.

Do you have a demanding employer? - Jobs such as lawyers, business owners and financial analysts tend to have higher premiums than the average policyholder attributed to intense work-related stress and lots of time spent at work. On the other hand, occupations such as professors, students and retirees have lower than average premiums.

Is auto insurance cheaper for women or men? - The statistics show women are more cautious behind the wheel. However, don't assume that females are better drivers. Females and males cause auto accidents in similar numbers, but the men tend to have higher claims. In addition to higher claims, males also get cited for more serious violations like DWI (DUI) or reckless driving.

Acura TL claim probability - Companies use data from past claims to calculate a rate that will offset any claims. Vehicles that tend to have increased losses will have a higher premium rate. The table shown below demonstrates the insurance loss data used by companies for Acura TL vehicles.

For each coverage type, the claim amount for all vehicles compiled together equals 100. Values under 100 are indicative of better than average losses, while percentage values above 100 show a trend for more claims or statistically larger losses.

Acura TL Insurance Claim Statistics

Vehicle 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance quotes and discounts

Insurance is neither fun to buy or cheap, but you may qualify for discounts that can dramatically reduce your bill. A few discounts will be applied at the time of purchase, but a few must be inquired about in order for you to get them.Save money with discounts

A quick disclaimer, most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, you're out of luck.

A list of companies and some of their more popular discounts include:

When comparing rates, check with all the companies the best way to save money. Depending on the company, some discounts may not apply to policies everywhere. To find providers with significant discounts in Indiana, click here.

Insurance agent or online?

Some consumers prefer to get professional advice from a licensed agent and there is nothing wrong with that. Licensed agents can answer important questions and help file insurance claims. One of the best bonuses of comparing insurance prices online is that you can find cheap car insurance rates and still choose a local agent.

By using this form (opens in new window), the coverage information gets sent to participating agents in Evansville who will give you quotes for your coverage. You won't even need to contact an agency because quoted prices will be sent to you directly. If you have a need to get a price quote for a specific company, don't hesitate to search and find their rate quote page and fill out their quote form.

Finding the right insurance company shouldn't rely on just the premium amount. Any agent in Evansville should have no problem answering these questions:

The following is a short list of insurers in Evansville that are able to give comparison quotes for Acura TL insurance in Evansville.

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Situations that may require an agent's advice

When it comes to the best car insurance coverage, there really is not a one size fits all plan. Every situation is different.Safe vehicles cost less to insure

For instance, these questions could help you determine if your insurance needs may require specific advice.

If you can't answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form. It's fast, doesn't cost anything and can help protect your family.

Persistence is the key to affordable rates

Lower-priced insurance in Evansville is attainable from both online companies as well as from insurance agents, so you need to quote Evansville car insurance with both to have the best chance of lowering rates. Some insurance companies do not provide rates over the internet and these regional carriers only sell coverage through independent agencies.

You just read many tips how you can shop for Acura TL insurance online. The key concept to understand is the more price quotes you have, the higher your chance of finding affordable Evansville car insurance quotes. Drivers may even discover the best price on insurance is with a lesser-known regional company.

When searching for low cost Evansville car insurance quotes, it's not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. The proper strategy is to get the best coverage possible at an affordable rate.

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