Trying to find cheaper insurance for your Acura TL in Pennsylvania can be a lot of work, but you can use these tips to find lower rates.
There is a better way to compare insurance rates and you need to know the absolute fastest way to quote coverages for a Acura and find the lowest possible price from Philadelphia insurance agents and online providers.
The companies shown below offer price quotes in Philadelphia, PA. If multiple providers are shown, it’s highly recommended you visit as many as you can to get the cheapest price.
Data for Acura TL insurance
The data table displayed next covers different coverage prices for Acura TL models. Knowing how insurance prices are formulated can aid in making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TL 3.5 | $364 | $602 | $432 | $26 | $130 | $1,554 | $130 |
| TL 3.5 W/Technology Package | $364 | $602 | $432 | $26 | $130 | $1,554 | $130 |
| TL 3.7 SH AWD | $364 | $602 | $432 | $26 | $130 | $1,554 | $130 |
| TL 3.7 SH W/Technology Package AWD | $364 | $694 | $432 | $26 | $130 | $1,646 | $137 |
| Get Your Own Customized Quote Go | |||||||
Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in your specific Philadelphia location which can change price quotes significantly.
Gender differences in car insurance premiums
The example below illustrates the comparison of Acura TL annual premium costs for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, full coverage, $500 deductibles, drivers are single, and no policy discounts are applied.
Buying the right Acura vehicle insurance in Pennsylvania is an important decision
Despite the high cost of buying insurance for a Acura TL in Philadelphia, insuring your vehicle is required by state law in Pennsylvania and it also provides benefits you may not be aware of.
- Most states have mandatory insurance requirements which means state laws require a specific minimum amount of liability coverage if you don’t want to risk a ticket. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your TL has a loan, almost every bank will make it a condition of the loan that you carry insurance to guarantee payment of the loan. If coverage lapses or is canceled, the lender may insure your Acura at a significantly higher premium and force you to reimburse them for the expensive policy.
- Insurance safeguards both your vehicle and your personal assets. It will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you cause an accident and are sued. If you have damage to your Acura as the result of the weather or an accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of having insurance more than cancel out the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is overpaying over $869 every year so you should quote and compare rates each time the policy renews to make sure the price is not too high.
Six discounts for cheaper insurance rates
Companies don’t always advertise every discount very clearly, so the following list contains some of the best known in addition to some of the lesser obvious discounts that may be available.
- Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you could save 5% or more.
- Club Memberships – Belonging to qualifying clubs or civic groups could earn you a nice discount on your bill.
- Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% with some insurance companies.
- Accident Waiver – Not necessarily a discount, but a few companies such as Progressive, State Farm and GEICO allow you one accident before raising your premiums if your claims history is clear for a certain period of time.
- Good Grades Discount – Maintaining excellent grades can save 20 to 25%. Most companies allow this discount until age 25.
- Claim-Free Discount – Drivers who don’t have accidents can save substantially in comparison with policyholders that have many claims.
Consumers should know that many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, nobody gets a free ride. But any discount will lower your insurance premiums.
The chart below compares Acura TL insurance costs with and without policy discounts. The prices are based on a male driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, multi-car, marriage, and safe-driver discounts applied.
Some of the larger companies who may offer some of the above discounts may include but are not limited to:
If you want affordable Acura TL insurance quotes, ask every prospective company to give you their best rates. Some discounts listed above might not be offered everywhere. To see a list of insurance companies who offer discounts in Pennsylvania, click here to view.
Can’t I compare rate quotes from local Philadelphia insurance agencies?
Many drivers still prefer to talk to a local agent and doing that can be a smart decision Experienced insurance agents will help you protect your assets and help file insurance claims. The biggest benefit of comparing rates online is that drivers can save money and get the best rates but still work with a licensed agent. And providing support for neighborhood insurance agencies is definitely important in Philadelphia.
To find an agent, once you fill out this short form, your insurance data is submitted to local insurance agents in Philadelphia who can give free rate quotes for your insurance coverage. You won’t even need to do any legwork because prices are sent straight to your inbox. If you want to get a comparison quote from a specific auto insurance provider, you just need to visit that company’s website and submit a quote form there.
Exclusive agents vs. Independent agents
If you are searching for a good insurance agency, there are two different types of agencies and how they differ in how they can insure your vehicles. Agencies in Philadelphia are classified as either independent agents or exclusive agents depending on their employer. Both types can sell and service auto insurance coverage, but it’s worth mentioning how they differ because it can factor into buying decisions.
Independent Agencies or Brokers
Independent agents are not restricted to one company and that is an advantage because they can write policies with a variety of different insurance companies and potentially find a lower price. To move your coverage to a new company, your policy is moved internally and you can keep the same agent.
When shopping rates, you definitely need to get several quotes from a few independent agents so that you can do a thorough price comparison. A lot of them also have access to small regional insurance companies who may have lower rates.
The following are Philadelphia independent agencies who may provide price quote information.
- McCollum Insurance Agency
4169 Main St – Philadelphia, PA 19127 – (215) 508-9000 – View Map - Terra Insurance Services
1879 Cottman Ave – Philadelphia, PA 19111 – (215) 742-3743 – View Map - The Perzel Agency, Inc.
7338 Frankford Ave – Philadelphia, PA 19136 – (215) 335-6878 – View Map
Exclusive Auto Insurance Agents
Exclusive insurance agents generally can only insure with one company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agencies are unable to provide rate quotes from other companies so keep that in mind. These agents are usually well trained on what they offer and that enables them to sell even at higher rates. Consumers often use the same agent mainly due to the brand name and the convenience of having a single billing for all their coverages.
Shown below is a short list of exclusive insurance agents in Philadelphia who can help you get comparison quotes.
- Brian Madalion – State Farm Insurance Agent
7208 Ogontz Ave – Philadelphia, PA 19138 – (215) 549-4900 – View Map - Allstate Insurance: Bruce Datil
4201 I St – Philadelphia, PA 19124 – (215) 288-7992 – View Map - Erica Bantom Martin – State Farm Insurance Agent
1124 S Broad St – Philadelphia, PA 19146 – (215) 875-8100 – View Map
Finding a good car insurance agent requires more thought than just the price. Ask your prospective agent these questions:
- Are they in the agency full-time?
- If you have an accident, will your rates go up?
- Do they reduce claim amounts on high mileage vehicles?
- Are they actively involved in the community?
- Is every driver in your family covered?
- Are they involved in claim handling?
- Do the agents have professional certifications like CPCU or CIC?
Car insurance coverage breakdown
Knowing the specifics of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.
UM/UIM Coverage – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Acura TL.
Since many Pennsylvania drivers carry very low liability coverage limits (Pennsylvania limits are 15/30/5), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.
Auto liability insurance – Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 15/30/5 which stand for a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage pays for things such as repair costs for stationary objects, funeral expenses and court costs. How much coverage you buy is your choice, but buy as high a limit as you can afford. Pennsylvania requires minimum liability limits of 15/30/5 but it’s recommended drivers buy more coverage.
The next chart shows why the minimum limit may not provide you with enough coverage.
Collision coverage – This coverage will pay to fix damage to your TL resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like driving through your garage door, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also bump up the deductible on your TL to get cheaper collision coverage.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like nursing services, doctor visits, EMT expenses and pain medications. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive or Other Than Collision – This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as hail damage, vandalism and damage from getting keyed. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
In Summary
Throughout this article, we presented quite a bit of information on how to find lower-cost Acura TL insurance in Philadelphia. It’s most important to understand that the more companies you get car insurance rates for, the higher your chance of finding affordable Philadelphia car insurance quotes. Consumers may even find the most savings is with some of the lesser-known companies.
Drivers leave their current company for any number of reasons including poor customer service, lack of trust in their agent, being labeled a high risk driver and even policy cancellation. No matter why you want to switch, switching insurance companies is actually quite simple.
Cheap Acura TL insurance in Philadelphia is attainable from both online companies and from local insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies don’t offer rate quotes online and usually these regional insurance providers sell through independent agents.
For more information, link through to these articles:
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Senior Drivers (Insurance Information Institute)
- Comprehensive Coverage (Liberty Mutual)