Save Money on Acura TL Insurance in San Jose

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Are you searching for more competitive Acura TL insurance in San Jose? Having to pay for pricey Acura TL insurance in San Jose can bottom out your savings account and make it hard to pay other bills. Price shopping at each renewal can lower your rates and help to make sure you're not throwing money away.

Insurance for Acura TLSadly, almost 70% of drivers renewed their policy with the same company for well over three years, and nearly the majority have never quoted rates to find affordable coverage. Drivers in San Jose could cut their rates by roughly 35% a year by just shopping around, but they just assume it takes a lot of time to save money by comparing rate quotes.

Steps to finding affordable Acura TL insurance in San Jose

To save the most money, the best way to find low-cost car insurance rates in San Jose is to start comparing prices yearly from providers who sell auto insurance in California. Price quotes can be compared by completing these steps.

First, try to comprehend coverages and the modifications you can make to prevent rate increases. Many rating factors that cause high rates such as traffic citations and a low credit rating can be amended by making minor driving habit or lifestyle changes. Continue reading for information to help prevent costly coverage and find overlooked discounts.

Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive and State Farm, while independent agencies can provide rate quotes for a wide range of companies.

Third, compare the new rate quotes to your current policy premium to see if a cheaper price is available in San Jose. If you find a lower rate quote and change companies, make sure coverage does not lapse between policies.

An essential thing to point out is to try to compare the same amount of coverage on each quote and and to get prices from all possible companies. Doing this guarantees an apples-to-apples comparison and a thorough selection of prices.

Popular companies such as Allstate, Progressive and GEICO all claim big savings with ads and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

It is always a good idea to do price comparisons on a regular basis because insurance rates change quite often. If you had the best premium rates on Acura TL insurance in San Jose last year you can probably find a lower rate today. Ignore everything you know about insurance because it's time to teach you the right way to reduce your cost while increasing coverage.

Reducing your Acura TL insurance rates isn't really that difficult. Just take a couple of minutes comparing price quotes provided by online insurance companies.

It's so fast and easy to compare price quotes online that it makes it obsolete to actually drive to insurance agents' offices. Quoting Acura TL insurance online has made agencies unnecessary unless you prefer the personal advice of a local agency. If you prefer, some companies allow you to obtain prices from the web but have your policy serviced through an agent.

The companies in the list below can provide free rate quotes in California. If multiple companies are shown, we recommend you compare several of them to get the best price comparison.

Three reasons to insure your Acura TL

Despite the high insurance cost for a Acura TL in San Jose, car insurance may be mandatory for several reasons.

  • Most states have compulsory liability insurance requirements which means state laws require a specific level of liability protection in order to drive the car. In California 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 you have a lien on your TL, it's most likely the lender will require you to have comprehensive coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank may insure your Acura at a more expensive rate and force you to reimburse them the higher premium.
  • Car insurance protects both your assets and your Acura. It will also cover all forms of medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense in the event you are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your car are without a doubt worth the cost, particularly when you have a large claim. Despite what companies tell you, the average driver is wasting up to $865 each year so smart consumers compare quotes at every renewal to ensure rates are inline.

Facts and figures for Acura TL insurance

The coverage information shown below covers detailed analysis of insurance prices for Acura TL models. Being more informed about how rates are established is important for making informed purchases.

Acura TL Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $334 $688 $424 $26 $126 $1,598 $133
TL 3.5 W/Technology Package $334 $688 $424 $26 $126 $1,598 $133
TL 3.7 SH AWD $334 $688 $424 $26 $126 $1,598 $133
TL 3.7 SH W/Technology Package AWD $334 $792 $424 $26 $126 $1,702 $142
Get Your Own Custom Quote Go

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in specific location which can decrease or increase coverage rates greatly.

Higher deductibles save money

When comparing insurance rates, the most common question is which deductible level should you buy. The comparison tables below approximate the rate fluctuation when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $250 deductible for comp and collision and the second rate table uses a $1,000 deductible.

Acura TL insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $386 $678 $442 $26 $132 $1,689 $141
TL 3.5 W/Technology Package $386 $678 $442 $26 $132 $1,689 $141
TL 3.7 SH AWD $386 $678 $442 $26 $132 $1,689 $141
TL 3.7 SH W/Technology Package AWD $386 $780 $442 $26 $132 $1,791 $149
Get Your Own Custom Quote Go
Acura TL insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $238 $426 $442 $26 $132 $1,264 $105
TL 3.5 W/Technology Package $238 $426 $442 $26 $132 $1,264 $105
TL 3.7 SH AWD $238 $426 $442 $26 $132 $1,264 $105
TL 3.7 SH W/Technology Package AWD $238 $490 $442 $26 $132 $1,328 $111
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate information does not factor in garaging location in San Jose which can modify coverage prices noticeably.

We can estimate from the data above that using a $250 deductible costs roughly $36 more each month or $432 a year than opting for the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 21 months between claims, you would come out ahead going with the higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $250 deductibles: $143
Average monthly premium for $1,000 deductibles (subtract): - $107
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

Get cheaper Acura TL insurance in San Jose with discounts

Car insurance is not cheap nor is it fun to buy but you might be missing out on some discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be asked for prior to receiving the credit. If they aren't giving you every credit you deserve, you are paying more than you should be.Save money with discounts

  • Seat Belt Usage - Forcing all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • One Accident Forgiven - This one is not really a discount per se, but companies like State Farm and Allstate will let one accident slide without raising rates if you are claim-free for a certain period of time.
  • Multiple Policy Discount - When you have multiple policies and insure them both with the same insurance company you will save at least 10 to 15 percent or more.
  • Multi-car Discount - Buying insurance for multiple vehicles with the same company qualifies for this discount.
  • Paperwork-free - A few larger online companies may give you up to $50 for buying a policy and signing up digitally online.
  • Senior Citizen Discount - Mature drivers could receive a small discount on rates.
  • Passive Restraint Discount - Factory options such as air bags can get savings of more than 20%.

Remember that most discount credits are not given to the whole policy. Some only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, it's just not the way it works.

The information below shows the difference between Acura TL insurance costs with and without discounts applied to the policy rates. The data is based on a male driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, safe-driver, homeowner, and multi-policy discounts applied.

Large car insurance companies and a selection of discounts are shown below.

  • The Hartford offers premium reductions for air bag, bundle, vehicle fuel type, defensive driver, driver training, and good student.
  • American Family may have discounts that include air bags, accident-free, defensive driver, good driver, and TimeAway discount.
  • Progressive has discounts for multi-vehicle, continuous coverage, online signing, online quote discount, and good student.
  • Travelers may include discounts for early quote, continuous insurance, multi-car, good student, IntelliDrive, and driver training.
  • Farmers Insurance policyholders can earn discounts including teen driver, distant student, multi-car, pay in full, and business and professional.
  • USAA offers discounts including multi-policy, multi-vehicle, driver training, military installation, defensive driver, and annual mileage.
  • Liberty Mutual discounts include newly married, multi-car, hybrid vehicle, good student, exclusive group savings, safety features, and newly retired.

Check with each company which discounts they offer. Discounts might not be available to policyholders in San Jose.

How much insurance do I need?

Always remember that when buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone's situation is unique.Higher deductibles save money

Here are some questions about coverages that might point out whether you might need an agent's assistance.

  • Why am I required to buy high-risk coverage?
  • What does medical payments coverage do?
  • If I use my vehicle for business use is it covered?
  • Can I afford to buy a different vehicle if my Acura TL is totaled?
  • When should I drop full coverage on my Acura TL?
  • How can I get my company to pay me more for my totaled car?
  • Can good grades get a discount?
  • Where can I find DUI or SR-22 insurance?

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It's fast, doesn't cost anything and may give you better protection.