Find Cheaper Acura TL Insurance in Columbus

It’s astonishing, but most drivers kept buying from the same company for over three years, and nearly 40% of drivers have never compared quotes from other companies. Ohio drivers could save approximately 55% a year just by getting comparison quotes, but they just don’t understand the amount of savings they would get if they switch to a new company.

The preferred way to find discount Acura TL insurance in Columbus is to regularly compare price quotes from insurers in Ohio. Rates can be compared by completing these steps.

1. Take a little time to learn about how companies price auto insurance and the things you can control to keep rates in check. Many factors that drive up the price like accidents, traffic violations, and a not-so-good credit score can be rectified by making small lifestyle or driving habit changes. Continue reading for tips to help keep rates affordable and find additional discounts.
2. Compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like Progressive or Farmers Insurance, while agents who are independent can provide price quotes for a wide range of insurance providers.
3. Compare the quotes to the price on your current policy to see if a cheaper price is available in Columbus. If you find a better price and make a switch, ensure there is no coverage lapse between policies.

A tip to remember is to make sure you enter identical coverages on every price quote and and to get quotes from as many companies as you can. Doing this ensures a fair rate comparison and the best price selection.

Finding the cheapest car insurance coverage in Columbus is actually not that difficult if you follow our advice. In a nutshell, every driver who compares rates for car insurance will most likely find better rates. But Ohio consumers can benefit by having an understanding of the way insurance companies charge you for coverage because rates fluctuate considerably.

Many insurance companies like Progressive, Allstate and GEICO give coverage price quotes online. Getting Acura TL insurance prices online is fairly straightforward as you simply type in your personal and coverage information into the quote form. When complete, their quoting system sends out for your driving record and credit report and returns pricing information based on these and other factors.

This makes it a lot easier to compare rates and it’s very important to get many rate quotes if you want to get the best rate.

To quickly compare rates now, compare rates from the companies below. To compare your current rates, we recommend you duplicate deductibles and limits just like they are on your policy. This ensures you’re receiving a rate comparison for the exact same coverage.

The companies in the list below offer free rate quotes in Columbus, OH. If multiple providers are shown, we suggest you click on several of them to get the cheapest price.

Buying the right TL insurance in Ohio is an important decision

Despite the potentially high cost of Acura TL insurance, paying for auto insurance serves an important purpose.

First, almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance if you drive a vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you took out a loan on your vehicle, almost every bank will have a requirement that you buy full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Acura for a much higher rate and force you to reimburse them for it.

Third, auto insurance protects both your assets and your Acura TL. Insurance will pay for medical expenses for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of buying auto insurance outweigh the cost, particularly if you ever have a claim. Unknowingly, the average driver overpays as much as $750 every year so it’s very important to do a rate comparison at every renewal to ensure rates are competitive.

Statistics and details

The table shown below highlights estimates of coverage costs for Acura TL models. Having insight into how insurance rates are figured can assist in making decisions when shopping your coverage around.

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate information does not factor in specific zip code location which can revise rates considerably.

Comparison of policy deductibles

When comparing auto insurance rates, the most common question is how high or low should comp and collision deductibles be. The rates below can help show the cost difference of buying low and high policy deductibles. The first table uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in specific location information which can modify coverage rates greatly.

Based on the above data, using a $100 deductible costs about $19 more each month or $228 every year than quoting the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have at least 21 months between claims, you would most likely save money if you opt for a higher deductible.

The example below illustrates how your choice of deductibles and can increase or decrease Acura TL insurance prices for each different age category. The costs are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

Careless driving habits raise Columbus auto insurance rates

The example below demonstrates how speeding tickets and accidents raise Acura TL car insurance costs for different categories of driver ages. The prices are based on a married male driver, full coverage, $250 deductibles, and no additional discounts are factored in.

Get cheaper Acura TL insurance rates in Columbus

Some companies do not advertise all available discounts very clearly, so we took the time to find some of the best known and the more hidden credits that you can use to lower your rates.

• Club Memberships – Belonging to a professional or civic organization is a good way to get lower rates when getting a Columbus car insurance quote.
• Senior Discount – Older drivers may qualify for lower premium rates.
• Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save 5% or more.
• Distant Student – Any of your kids who live away from home to go to college and don’t have a car may be able to be covered for less.
• Driver Safety – Successfully completing a course in defensive driving may get you a small discount if you qualify.
• Accident Waiver – Not a discount per se, but some insurance companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
• Multi-policy Discount – If you can combine your auto and homeowners policy and insure them with the same company you may earn 10% to 20% off each policy.
• Discounts for Good Drivers – Insureds without accidents can get discounts for up to 45% lower rates than drivers with accident claims.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, insurance companies aren’t that generous. But all discounts will help lower the amount you have to pay.

The information below illustrates the difference between Acura TL auto insurance rates with and without some available policy discounts. The premiums are based on a female driver, no violations or accidents, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, marriage, safe-driver, and homeowner discounts applied.

Some of the larger companies who may offer these discounts include:

• GEICO
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

If you need affordable Columbus car insurance quotes, ask each company which discounts they offer. Some credits might not be available to policyholders in your state. If you would like to choose from a list of insurance companies with the best discounts in Columbus, follow this link.