How Much Does 2017 Acura TLX Insurance Cost in 2024?

Feel like you’re a prisoner to overpriced insurance coverage? Don’t sweat it because many consumers are in the same pinch.

Due to the abundance of companies to choose from, it is very difficult to choose the cheapest insurance coverage provider.

The purpose of this post is to help educate you on the best way to quote coverages. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Nevertheless, drivers must understand how companies market on the web and apply this information to your search.

Why you might pay higher rates

Part of the insurance coverage buying process is learning a few of the rating criteria that go into determining your policy premiums. If you have some idea of what impacts premium levels, this helps enable you to make changes that may reward you with better insurance coverage rates.

The items below are some of the factors utilized by car insurance companies to help set rates.

• Good credit scores equal low rates – Having a bad credit score factor in determining what you pay for insurance coverage. So if your credit is lower than you’d like, you may save money insuring your 2017 Acura TLX by repairing your credit. Drivers with excellent credit tend to be better drivers and file fewer claims as compared to drivers with bad credit.
• Deter theft and pay less – Owning a car with advanced anti-theft systems can help bring down rates. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop vehicle theft.
• Gender and auto insurance premiums – Over the last 30 years, statistics show that females take fewer risks when driving. It does not mean women are BETTER drivers than men. Males and females are in fender benders in similar numbers, but males tend to have more serious accidents. They also get higher numbers of serious violations like driving under the influence (DUI). Male teenagers are the most expensive to insure and thus pay the highest rates.
• Safer cars cost less to insure – Vehicles with high crash test scores can get you lower premiums. Vehicles built for safety protect occupants better and better occupant protection means less claims paid and more competitive rates for policyholders.
• Good drivers pay the best rates – Only having one speeding ticket may increase your cost forty percent or more. Good drivers get better rates as compared to those with violations. Drivers who have careless violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to keep their license.
• A linsurance coverage lapse is a bad thing – Having an insurance coverage lapse is a sure-fire way to increase your rates. Not only will you pay higher rates, being ticketed for driving with no insurance could result in a hefty fine and possibly a revoked license.
• Marriage is a factor – Having a spouse can get you a discount when buying insurance coverage. Having a significant other generally demonstrates drivers are more mature than a single person and it’s proven that married drivers tend to have fewer serious accidents.
• Only buy what you need – Insurance policies have a lot of additional extra coverages that can add up if you don’t pay attention. Coverage for things like coverage for rental cars, accident forgiveness, and motor club memberships are some examples. These coverages may sound good when talking to your agent, but if you’ve never needed them in the past consider taking them off your policy.

Don’t miss these money-saving discounts

Companies don’t list the complete list of policy discounts in a way that’s easy to find, so the list below gives a summary of some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

• Claim-Free Discount – Drivers who stay claim-free get the best auto insurance rates as compared to drivers who are more careless.
• Anti-lock Brakes – Vehicles with ABS braking systems or traction control can avoid accidents and qualify for as much as a 10% discount.
• Driving Data Discount – Drivers who elect to allow their insurance company to look at driving patterns by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they show good driving skills.
• Early Renewal Discounts – A few larger companies offer discounts for switching companies before your current coverage expires. This discount can save up to 10%.
• Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
• Defensive Driver Discounts – Successfully completing a safe driver course could possibly earn you a 5% discount and easily pay for the cost of the class.
• Student Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education as it can save substantially.

A quick disclaimer, many deductions do not apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, nobody gets a free ride.

The best auto insurance companies and some of the discounts are shown below.

• American Family has discounts for multi-vehicle, bundled insurance, TimeAway discount, mySafetyValet, Steer into Savings, good driver, and air bags.
• Nationwide may have discounts that include anti-theft, business or organization, defensive driving, Farm Bureau membership, multi-policy, and easy pay.
• MetLife has savings for good driver, defensive driver, accident-free, multi-policy, claim-free, good student
• 21st Century may offer discounts for early bird, student driver, homeowners, driver training, and good student.
• Farmers Insurance includes discounts for bundle discounts, mature driver, multi-car, alternative fuel, and homeowner.
• Allstate discounts include premier discount, safe driver, anti-theft, teenSMART discount, 55 and retired, multi-policy, and defensive driver.

If you want inexpensive auto insurance quotes, ask every prospective company which credits you are entitled to. Some credits might not be available to policyholders in every state. To see providers with discount auto insurance rates, enter your zip code here.

Do I need special coverages?

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions could help you determine if your situation would benefit from professional advice.

• Am I getting all the discounts available?
• I have good health insurance, so how much medical payments coverage do I need?
• What if I owe more than I can insure my car for?
• Is my state a no-fault state?
• Do I have coverage when using my vehicle for my home business?
• Why does it cost so much to insure a teen driver?
• Do I have any recourse if my insurance company denies a claim?
• How much liability insurance is required?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete your zip code.

Auto insurance coverage information

Learning about specific coverages of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Collision coverage – This pays for damage to your TLX resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, scraping a guard rail, sideswiping another vehicle, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like hospital visits, funeral costs, pain medications, nursing services and ambulance fees. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Acura TLX.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.

Auto liability insurance – Liability coverage will cover damage that occurs to other people or property. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like pain and suffering, loss of income and court costs. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like theft, hitting a deer and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Don’t throw your cash in the trash

When trying to cut insurance costs, never reduce needed coverages to save money. In many cases, an insured dropped physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.

In this article, we covered quite a bit of information on how to compare 2017 Acura TLX insurance car insurance rates online. It’s most important to understand that the more providers you compare, the better likelihood of getting cheap auto insurance. Drivers may discover the most savings is with an unexpected company. Regional companies can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm or Progressive.