Affordable Rate Quotes for Acura TL Insurance in Kansas City

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The preferred way to get the cheapest Acura TL insurance is to compare prices annually from companies who sell auto insurance in Kansas City.

  1. Take a little time to learn about how insurance companies determine prices and the changes you can make to keep rates down. Many rating criteria that are responsible for high rates like traffic tickets, fender benders, and poor credit can be improved by paying attention to minor details.
  2. Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO and State Farm, while agents who are independent can quote rates from multiple insurance companies. Get quotes now
  3. Compare the new rate quotes to your existing rates and determine if cheaper TL coverage is available. If you can save some money and change companies, ensure coverage does not lapse between policies.
  4. Give notification to your agent or company to cancel your current coverage. Submit a down payment and signed policy application to the new company. Make sure you keep your new proof of insurance paperwork in an easily accessible location.

One thing to remember is to use the same amount of coverage on each quote request and and to get rates from all possible companies. This provides the most accurate price comparison and the best rate selection.

Discount Acura TL insuranceEveryone knows that insurance companies don't want policyholders to compare prices from other companies. People who do rate comparisons will presumably switch auto insurance companies because of the good chance of finding better rates. A recent auto insurance study discovered that consumers who compared price quotes annually saved $3,500 over four years compared to policyholders who don't make a habit of comparing rates.

If finding the lowest rates on Acura TL insurance in Kansas City is your ultimate target, knowing the best way to quote and compare insurance premiums can help make the process easier.

Pricing cheaper protection in Kansas City is easy if you know what you're doing. If you have a policy now or need new coverage, use these cost-cutting techniques to find the best rates and possibly find even better coverage. Drivers just have to know the most efficient way to find the lowest price over the internet.

How Insurers Calculate Acura TL Insurance Premiums

Multiple criteria are considered when pricing auto insurance. Some of the criteria are obvious such as your driving record, but others are not as apparent like your continuous coverage or how safe your car is.

The factors shown below are some of the factors used by your company to calculate your premiums.

Gaps in coverage mean higher auto insurance rates - Allowing your auto insurance policy to lapse can be a guaranteed way to drive up your policy premiums. And not only will your rates increase, the inability to provide proof of insurance could result in fines and jail time. You could then be forced to prove you have insurance by filing a SR-22 with the Missouri department of motor vehicles.

Single drivers take more risk - Having a spouse may cut your premiums on auto insurance. Having a spouse may mean you are more stable financially and insurance companies like that drivers who are married file infrequent claims.

Where you call home factors in - Residing in smaller towns and rural areas of the country can save you money when shopping for auto insurance. People in densely populated areas have to deal with more aggressive driving styles and much longer commute distances. Fewer people means a lower chance of having an accident and lower theft and vandalism rates.

Remove unneeded extra coverages - Policies have extra coverages that can waste your money when buying auto insurance. Things like vanishing deductibles, high-cost glass coverage, and extra equipment coverage are some examples. The coverages may be enticing initially, but if you have no use for them get rid of them and save.

Does auto insurance cost more for guys? - Statistics show that females tend to be a little less risky than males. However, this does not mean females are better at driving than males. Men and women have at-fault accidents at about the same rate, but the males tend to have higher claims. Not only are claims higher, but men receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.

The information below shows the comparison of Acura TL insurance premiums for male and female drivers. The rate quotes are based on no claims or driving violations, full physical damage coverage, $250 deductibles, drivers are single, and no other discounts are factored in.

Acura TL insurance claim data - Car insurance companies take into consideration insurance loss statistics for every vehicle to calculate a price that offsets possible losses. Models that the statistics show to have higher claim amounts or frequency will cost more for specific coverages. The table below illustrates the historical loss data for Acura TL vehicles.

For each coverage type, the statistical loss for all vehicles, regardless of make or model, is considered to be 100. Values that are under 100 are indicative of better than average losses, while values that are above 100 indicate a higher chance of having a claim or statistically larger claims.

Insurance Loss Ratings for Acura TL Vehicles
Vehicle Make and 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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Coverage information

The premium information shown next covers different policy rates for Acura TL models. Having knowledge of how rate quotes are determined can aid in making decisions on which coverage to buy.

Acura TL Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $162 $322 $302 $18 $90 $894 $75
TL 3.5 W/Technology Package $162 $322 $302 $18 $90 $894 $75
TL 3.7 SH AWD $162 $322 $302 $18 $90 $894 $75
TL 3.7 SH W/Technology Package AWD $162 $372 $302 $18 $90 $944 $79
Get Your Own Custom Quote Go

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Prices do not factor in zip code location which can increase or decrease coverage rates significantly.

Choosing deductibles

When shopping for insurance, a common question is which deductible level should you buy. The rates shown below may help to illustrate how much more rates are of buying low and high comp and collision deductibles. The first rate quote example uses a $250 deductible and the second price grid 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 $232 $408 $266 $16 $80 $1,027 $86
TL 3.5 W/Technology Package $232 $408 $266 $16 $80 $1,027 $86
TL 3.7 SH AWD $232 $408 $266 $16 $80 $1,027 $86
TL 3.7 SH W/Technology Package AWD $232 $470 $266 $16 $80 $1,089 $91
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 $144 $258 $266 $16 $80 $764 $64
TL 3.5 W/Technology Package $144 $258 $266 $16 $80 $764 $64
TL 3.7 SH AWD $144 $258 $266 $16 $80 $764 $64
TL 3.7 SH W/Technology Package AWD $144 $296 $266 $16 $80 $802 $67
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Information does not factor in specific location which can modify premiums considerably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $22 more each month or $264 annually than choosing the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 34 months between claims, you would probably be better off if you choose a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $87
Average monthly premium for $1,000 deductibles (subtract): - $65
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 34 months

One thing to be aware of is that raising deductibles means you will have to pay more out-of-pocket when you file a claim. You need to make sure you have some extra funds in the event you have to pay more to get your vehicle repaired.

Careless drivers pay higher rates

The example below demonstrates how citations and accident claims drive up Acura TL insurance premiums for each different age category. The data is based on a married male driver, full coverage, $1,000 deductibles, and no discounts are factored in.

Affordable rates with discounts

Companies that sell car insurance don't necessarily list every available discount in an easy-to-find place, so we researched some of the more common and also the more inconspicuous car insurance savings.Car insurance discounts

  • Distant Student Discount - Youth drivers who live away from home at college and do not have a car may be insured at a cheaper rate.
  • Accident Waiver - Not a discount per se, but some insurance companies will turn a blind eye to one accident before raising your premiums if you are claim-free for a specific time period.
  • Telematics Data Discounts - Drivers that enable data collection to spy on driving habits by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate may see discounts as long as they are good drivers.
  • Multi-Vehicle Discounts - Drivers who insure multiple vehicles with the same car insurance company can reduce rates for all insured vehicles.
  • Defensive Driving Course - Passing a course teaching defensive driver skills could cut 5% off your bill and make you a better driver.
  • Theft Prevention Discount - Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will qualify for a discount on a Kansas City auto insurance quote.
  • Passive Restraint Discount - Factory options such as air bags or automatic seat belts can get savings up to 30%.
  • Good Students Pay Less - Being a good student can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Military Deployment Discount - Being on active deployment in the military could be rewarded with lower rates.
  • Accident-Free Discounts - Claim-free drivers pay less in comparison with drivers who are more careless.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, company stockholders wouldn't be very happy.

The diagram below compares Acura TL yearly insurance costs with and without discounts being applied to the rates. The data is based on a female driver, no accidents, no driving violations, Missouri state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, claim-free, marriage, and homeowner discounts applied.

Larger car insurance companies and the discounts they provide are shown below.

  • GEICO has discounts for anti-lock brakes, federal employee, military active duty, driver training, defensive driver, seat belt use, and multi-policy.
  • Auto-Owners Insurance may have discounts that include air bags, safe vehicle, good student, anti-lock brakes, multiple vehicles, multi-policy, and paid in full.
  • American Family policyholders can earn discounts including accident-free, bundled insurance, multi-vehicle, good student, mySafetyValet, and TimeAway discount.
  • Esurance may offer discounts for online shopper, paid-in-full, homeowner, Switch & Save, and anti-lock brakes.
  • Progressive has savings for multi-vehicle, multi-policy, homeowner, online quote discount, good student, online signing, and continuous coverage.
  • State Farm offers discounts including Steer Clear safe driver discount, safe vehicle, multiple policy, good driver, and passive restraint.
  • AAA may include discounts for multi-policy, good driver, education and occupation, multi-car, pay-in-full, anti-theft, and AAA membership discount.

It's a good idea to ask every company to apply every possible discount. A few discounts may not be offered in your area. For a list of companies with discount rates in Kansas City, click here.

Affordable auto insurance rates are out there

Insureds change insurance companies for a number of reasons such as denial of a claim, poor customer service, questionable increases in premium and extreme rates for teen drivers. It doesn't matter what your reason, finding a great new company is not as hard as you think.

As you prepare to switch companies, it's a bad idea to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice liability coverage limits to discover at claim time they didn't purchase enough coverage. Your goal should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Cheaper Acura TL insurance in Kansas City can be sourced online and from local agencies, so you should be comparing quotes from both to have the best rate selection. Some companies don't offer price quotes online and usually these smaller providers prefer to sell through independent insurance agents.

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