Would you prefer to buy lower-priced Acura TL insurance in Phoenix? No sane person rejoices having to buy insurance, especially knowing they could find better prices if they shop around.
Unbelievable but true according to a study 70% of consumers have been with the same company for a minimum of four years, and nearly 40% of drivers have never compared rate quotes at all. U.S. drivers could save themselves roughly $859 a year just by getting comparison quotes, but they just don’t understand how easy it is to do a rate comparison.
Companies like GEICO, Progressive and Allstate constantly blast consumers with advertising and consumers find it hard to see through the deception and find the best price available.
You need to price shop coverage as often as possible since prices are constantly changing. Even if you think you had the best rate on Acura TL insurance in Phoenix a year ago other companies may now be cheaper. There is a lot of bad advice regarding TL insurance online but in a few minutes you can learn the easiest ways to stop overpaying for insurance in Phoenix.
These discounts can lower your car insurance rates
Some insurers do not list all possible discounts in a way that’s easy to find, so the following list contains both well-publicized and the more hidden credits available to lower your premiums when you buy Phoenix auto insurance online.
- Paperwork-free – Some companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
- Memberships – Being a member of a qualifying organization can get you a small discount when getting a Phoenix auto insurance quote.
- Own a Home and Save – Being a homeowner may trigger a policy discount on car insurance since owning and maintaining a home demonstrates responsibility.
- New Vehicle Savings – Buying a new car instead of a used TL can save up to 30% since newer vehicles are generally safer.
- Government Employees – Being employed by or retired from a federal job may qualify for a discount when you quote Phoenix auto insurance with certain companies.
- Distant Student – Older children living away from Phoenix attending college and do not have a car may qualify for this discount.
- Data Collection Discounts – Insureds that choose to allow driving data submission to track driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they show good driving skills.
- Life Insurance Discount – Some insurance carriers give a lower rate if you buy some life insurance in addition to your auto policy.
- Multiple Policy Discount – If you can combine your auto and home policy and place coverage with the same company you could get a discount of as much as 10 to 15 percent.
You can save money using discounts, but most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.
A few popular companies and some of the discounts include:
- GEICO may offer discounts for multi-policy, air bags, military active duty, membership and employees, anti-lock brakes, and driver training.
- Auto-Owners Insurance offers premium reductions for teen driver, safe vehicle, student away at school, multi-policy, anti-theft, mature driver, and safe driver.
- American Family offers discounts for good driver, Steer into Savings, air bags, accident-free, and bundled insurance.
- Esurance discounts include emergency road assistance, defensive driver, homeowner, good driver, multi-policy, Switch & Save, and online quote.
- Progressive has discounts for good student, online signing, homeowner, continuous coverage, multi-vehicle, and multi-policy.
- State Farm offers discounts including driver’s education, student away at school, safe vehicle, multiple policy, and multiple autos.
- AAA may include discounts for AAA membership discount, multi-policy, good driver, anti-theft, and pay-in-full.
Before you buy a policy, ask all the companies how many discounts you can get. Some credits may not be available in Phoenix. For a list of companies with discount rates in Phoenix, click here to view.
How to buy Phoenix Acura TL insurance online
There are several ways to obtain and compare prices from many insurance companies in Arizona. By far the easiest way to find the lowest Acura TL rates consists of obtaining rate quotes online.
Comparison shopping rate quotes online is easy and it replaces the need to drive around to insurance agents’ offices. The ability to quote Acura TL insurance online makes this process obsolete unless you require the guidance that you can only get from talking to an agent. You can, however, get prices online but have a local agent actually write the policy. It’s important to know that getting more free quotes provides better odds of finding the best offered rates.
The companies shown below have been selected to offer free quotes in Phoenix, AZ. If the list has multiple companies, we recommend you compare several of them in order to find the most affordable rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TL 3.5 | $224 | $450 | $314 | $18 | $94 | $1,100 | $92 |
| TL 3.5 W/Technology Package | $250 | $566 | $338 | $20 | $102 | $1,276 | $106 |
| TL 3.7 SH AWD | $164 | $308 | $282 | $16 | $84 | $854 | $71 |
| TL 3.7 SH W/Technology Package AWD | $228 | $538 | $288 | $18 | $86 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Table data does not factor in specific location information which can decrease or increase price quotes significantly.
Deductible comparison
The hardest decision when buying coverage is how high should the physical damage deductibles be. The following tables summarize the costs and benefits when you buy lower versus higher insurance deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TL 3.5 | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| TL 3.5 W/Technology Package | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| TL 3.7 SH AWD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| TL 3.7 SH W/Technology Package AWD | $292 | $632 | $300 | $18 | $90 | $1,357 | $113 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TL 3.5 | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| TL 3.5 W/Technology Package | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| TL 3.7 SH AWD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| TL 3.7 SH W/Technology Package AWD | $162 | $334 | $300 | $18 | $90 | $904 | $75 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price information does not factor in vehicle location which can decrease or increase rates greatly.
Based on the data above, we can derive that using a $100 deductible costs about $35 more each month or $420 a year than opting for the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 26 months between claims, you would more than likely save some money if you choose a higher deductible.
When to get professional advice
Keep in mind that when it comes to choosing the right insurance coverage for your personal vehicles, there really isn’t a best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that
Here are some questions about coverages that may help highlight if you might need an agent’s assistance.
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- I have a DUI can I still get coverage?
- What if a claim settlement is too low?
- Why does it cost so much to insure a teen driver in Phoenix?
- Can I afford to pay high deductible claims out of pocket?
- When should I drop full coverage on my Acura TL?
If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.
Insurance agencies near you
Certain consumers just prefer to sit down and talk to an agent and that is a smart decision The best thing about getting free rate quotes online is that you can obtain better rates and still choose a local agent. Supporting local agents is important especially in Phoenix.
To make it easy to find an agent, after completing this short form, your insurance data gets sent to participating agents in Phoenix who will give competitive quotes for your business. It’s much easier because you don’t need to find an agent on your own due to the fact that quote results will go immediately to your email address. You can get cheaper insurance rates and an insurance agent to talk to. In the event you want to quote rates from a specific insurance company, you would need to search and find their rate quote page to submit a rate quote request.
Finding the right insurer should include more criteria than just a low price. Below are some questions you should ask.
- Do they regularly work with personal auto policies in Phoenix?
- Are claims handled at the agent’s location?
- Do the coverages you’re quoting properly cover your vehicle?
- If they are an independent agency in Phoenix, which companies do they recommend?
- Is working in the agency their full-time job?
Once you have received answers to your satisfaction to your questions and inexpensive Acura TL insurance in Phoenix quotes, it’s possible that you found an insurance company that will properly service your insurance policy. Just be aware that once you purchase a policy you can cancel your policy whenever you wish so don’t assume that you are permanently stuck with your new company for the full term.
Find cheap rates by comparing often
When shopping online for insurance, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at the best possible price while still protecting your assets.
In this article, we presented a lot of information how to find lower-cost Acura TL insurance in Phoenix. The most important thing to understand is the more you quote Phoenix auto insurance, the better your comparison will be. You may even find the best rates are with a smaller regional carrier. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.
For more information, link through to the resources below:
- Crash Avoidance Technologies FAQ (iihs.org)
- Who Has Affordable Auto Insurance for a Honda Civic in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance for Business Use in Phoenix? (FAQ)
- How Much is Car Insurance for Electric Cars in Phoenix? (FAQ)
- Who Has Affordable Car Insurance Quotes for Postal Workers in Phoenix? (FAQ)
- What Insurance is Cheapest for a Dodge Journey in Phoenix? (FAQ)
- Who Has Affordable Auto Insurance for Young Drivers in Phoenix? (FAQ)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Cellphones, Texting and Driving (iihs.org)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Insuring a Leased Car (Insurance Information Institute)