Are you looking for more competitive Acura TL insurance in St. Louis? Vehicle owners who are new to comparing auto insurance quotes on the web are likely to find locating the cheapest Acura TL insurance in St. Louis is harder than it needs to be.
A recent survey discovered that nearly 70% of consumers have been with the same company for four years or more, and 38% of drivers have never compared quotes from other companies. U.S. drivers could cut their rates by 47% a year just by shopping around, but most tend to underestimate how much money they would save if they replace their high priced policy.
Quoting more affordable coverage in St. Louis is not as difficult as people think. Practically every car owner who wants cheaper car insurance will find lower prices. But Missouri vehicle owners can benefit from knowing how the larger insurance companies determine what you pay.
Best Acura TL insurance rates in Missouri
The following companies provide price comparisons in St. Louis, MO. If the list has multiple companies, it's highly recommended you visit two to three different companies to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|TL 3.5 W/Technology Package||$250||$478||$272||$16||$82||$1,098||$92|
|TL 3.7 SH AWD||$248||$552||$346||$20||$104||$1,270||$106|
|TL 3.7 SH W/Technology Package AWD||$184||$372||$272||$16||$82||$926||$77|
|Get Your Own Custom Quote Go|
Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Information does not factor in garaging location in St. Louis which can modify premiums greatly.
Insurance rate increases from tickets or accidents
The example below shows how violations and fender-benders influence Acura TL insurance costs for different age groups of insureds. The premiums assume a married male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
Seven Things That Affect Your Insurance Premiums
Many factors are considered when premium rates are determined. Some are pretty understandable such as your driving record, although others are more obscure like where you live or your commute time. It's important that you understand some of the things that help calculate the price you pay for insurance. If you have some idea of what impacts premium levels, this allows you to make good choices that could help you find lower rates.
Car and home together may be cheaper - Most larger companies will award better rates for people that purchase more than one policy. It's known as a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even with this discount applied, drivers will still want to comparison shop to ensure the best deal.
Safer vehicles means cheaper insurance - Safe vehicles are cheaper to insure. Vehicles engineered for safety reduce occupant injuries and lower injury rates means less claims paid and lower rates for you.
High premiums for youthful drivers - Inexperience drivers have been known to be more careless when at the wheel of a vehicle and because of this, their insurance rates are much higher. More mature drivers are shown to be more cautious, cause fewer claims and accidents, and are safer drivers.
Don't abuse insurance claims - If you are a frequent claim filer, you should expect higher premiums or even policy non-renewal. Car insurance companies in Missouri award most affordable rates to insureds who only file infrequent claims. Auto insurance is designed for larger claims.
Do you really need roadside assistance? - Insurance companies have many additional coverages that can waste your money if you don't pay attention. Insurance for things like coverage for rental cars, towing, and additional equipment coverage may be wasting your money. You may think they are a good idea when talking to your agent, but your needs may have changed so remove them from your policy.
How's your driving record? - Your driving record has a big impact on rates. Careful drivers have lower premiums compared to drivers with tickets. Even a single moving violation can increase the cost of insurance substantially. Drivers with flagrant violations like DUI or willful reckless driving may need to submit a SR-22 form with their state DMV in order to prevent their license from being revoked.
Theft deterrents save - Buying a car with anti-theft technology or alarm system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
Insurance losses for an Acura TL - Insurance companies use historical loss data as a way to help calculate a profitable premium rate. Vehicles that historically have higher prevalence or dollar amount of losses will have higher rates.
The table below shows the historical insurance loss data for Acura TL vehicles. For each policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, equals 100. Percentage numbers below 100 suggest a positive loss record, while numbers above 100 point to more losses or statistically larger claims.
Acura TL Insurance Loss Statistics
|Specific Acura 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 IIHS.org for 2013-2015 Model Years
Auto insurance discounts are available to lower rates
Not too many consumers would say auto insurance is affordable, but you might be missing out on some discounts that many people don't even know exist. Many of these discounts will be applied automatically at the time of quoting, but a few must be asked for before you get the savings.
- Anti-lock Brake System - Cars with ABS braking systems or traction control are safer to drive and earn discounts up to 10%.
- Auto/Home Discount - When you have multiple policies with one company you could save as much as 10 to 15 percent.
- Distant Student Discount - Kids who attend college more than 100 miles from St. Louis and won't have access to an insured vehicle may be insured at a cheaper rate.
- Smart Student Discounts - Excelling in school can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.
- Paperless Signup - Some of the larger companies will provide an incentive for buying a policy and signing up over the internet.
- Discounts for Multiple Vehicles - Drivers who insure more than one vehicle on one policy qualifies for this discount.
- Save with a New Car - Buying a new car instead of a used TL can save up to 30% because new model year vehicles are generally safer.
- Professional Memberships - Being in qualifying clubs or civic groups may earn a discount on your policy.
- Discounts for Responsible Drivers - Drivers who avoid accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
- Defensive Driving Course - Participating in a class that teaches driver safety techniques could earn you a small percentage discount and make you a better driver.
Consumers should know that some credits don't apply to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount should help lower your overall bill.
Some of the larger companies that possibly offer some of the discounts shown above include:
When comparing rates, check with every company to apply every possible discount. Some discounts listed above may not apply in your area. To choose providers who offer cheap Acura TL insurance quotes in Missouri, click here.
Get rate quotes but buy from a local neighborhood St. Louis car insurance agent
Some consumers prefer to go talk to an agent and we recommend doing that A nice benefit of comparing insurance prices online is you can get lower car insurance rates and still buy from a local agent. And buying from local agencies is especially important in St. Louis.
To help locate an agent, after submitting this form (opens in new window), your coverage information is sent to insurance agents in St. Louis that can provide free St. Louis car insurance quotes and help you find cheaper coverage. It's much easier because you don't need to leave your computer because prices are sent straight to your inbox. You can find better rates without the usual hassles of price shopping. If you wish to quote rates for a specific company, you can always jump over to their website and submit a quote form there.
Finding the right company requires more thought than just the quoted price. These are valid questions to ask:
- If your car is in the repair shop, do you have coverage for a rental car?
- Are they paid to recommend certain coverages?
- Do you qualify for any additional discounts?
- Is the agent CPCU or CIC certified?
- Do they see any coverage gaps in your plan?
- What insurance companies do they recommend if they are an independent agent?
One last thing to lower rates
In this article, we covered many ways to shop for Acura TL insurance online. It's most important to understand that the more times you quote, the better likelihood of getting the cheapest Acura TL rate quotes. Consumers may even find the lowest rates are with the smaller companies.
Consumers leave their current company for any number of reasons including being labeled a high risk driver, delays in responding to claim requests, high prices and even denial of a claim. Whatever your reason, switching auto insurance companies can be easier than you think.
When trying to cut insurance costs, don't be tempted to reduce needed coverages to save money. Too many times, someone dropped uninsured motorist or liability limits and discovered at claim time they didn't have enough coverage. Your focus should be to buy the best coverage you can find for the lowest cost, but don't skip important coverages to save money.
For more information, link through to the articles below:
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- What Insurance is Cheapest for a Hyundai Elantra in Missouri? (FAQ)
- What is the Cheapest Car Insurance in Cape Girardeau, Missouri? (FAQ)
- Keeping Children Safe in Crashes Video (iihs.org)
- Coverage Information (Progressive Insurance)