How many times have you said it’s time to compare more competitive Acura TL insurance in Seattle? Finding the cheapest insurance for an Acura TL in Washington can turn out to be an all-consuming task, but you can follow our car insurance buying tips to make it easier. There is a right way and a wrong way to compare car insurance rates and we’ll show you the proper way to price shop coverage for your Acura and get the lowest possible price.
It’s astonishing, but almost 70% of insureds have bought car insurance from the same company for well over three years, and nearly half have never compared quotes from other companies. Most drivers in Seattle could cut their rates by up to 40% a year, but they underestimate the rate savings if they moved their coverage to a different company.
It is always a good idea to compare premium rates before your next renewal because car insurance prices are usually higher with each renewal. If you had the best deal on Acura TL insurance in Seattle six months ago a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because you’re about to learn the best way to properly buy coverages and cut your premium.
Buying the cheapest car insurance in Seattle is much easier if you know where to start. If you have insurance now or are looking for a new policy, you can use these techniques to save money and possibly find even better coverage. Smart buyers just have to use the most efficient way to shop their coverage around online.
Finding a lower price on Acura TL insurance can be relatively painless. The only requirement is to spend a little time comparing rate quotes to discover which company has the cheapest Acura TL rate quotes.
The providers in the list below provide free rate quotes in Washington. If more than one company is shown, we recommend you visit two to three different companies to get the most affordable price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|TL 3.5 W/Technology Package||$286||$556||$398||$24||$120||$1,384||$115|
|TL 3.7 SH AWD||$246||$512||$384||$22||$114||$1,278||$107|
|TL 3.7 SH W/Technology Package AWD||$222||$536||$334||$20||$100||$1,212||$101|
|Get Your Own Custom Quote Go|
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in your specific Seattle location which can influence insurance rates considerably.
Car insurance rates by gender and age
The example below shows the difference between Acura TL insurance costs for male and female drivers. The rates are based on no claims, a clean driving record, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Full coverage or liability only
The chart below visualizes the comparison of Acura TL insurance rates with and without physical damage coverage. The rates are based on no accidents or driving violations, $100 deductibles, single male driver, and no other discounts are factored in.
Are you wasting money paying for full coverage?
There is no set guideline to exclude physical damage coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Acura TL replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after the policy deductible has been paid. If you are paying in excess of $500 annually for physical damage coverage, then it may be the right time to buy liability only.
There are some conditions where only buying liability is not financially feasible. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.
How high should deductibles be?
The information below illustrates how choosing a deductible and can affect Acura TL insurance prices for different categories of driver ages. The price estimates are based on a married female driver, full coverage, and no other discounts are factored in.
Car insurance is an important decision
Despite the high cost of buying insurance for a Acura TL in Seattle, insuring your vehicle serves a purpose in several ways.
First, the majority of states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability insurance coverage in order to drive the car. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your Acura TL with a loan, almost every bank will force you to have physical damage coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank may buy a policy for your Acura at a much higher premium rate and force you to pay a much higher amount than you were paying before.
Third, insurance protects not only your vehicle but also your financial assets. It also can pay for all forms of medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers legal expenses if you are named as a defendant in an auto accident. If you have damage to your Acura as the result of the weather or an accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of insuring your TL definitely exceed the cost, especially for larger claims. As of last year, the average driver in Washington is currently overpaying as much as $700 annually so we recommend shopping around at every renewal to make sure the price is not too high.
Tricks in insurance advertising
Washington consumers constantly see and hear ads that promise big savings for switching by Progressive, GEICO, Allstate and State Farm. They all seem to seem to make the promise that you can save if you get a free Seattle car insurance quote and switch your policy.
How do they all make almost identical claims? This is the trick they use.
Insurance companies quote the lowest rates for the type of customer that will generate a profit. A good example of a profitable risk profile might be between the ages of 30 and 45, owns their home, and drives a car with an anti-theft system. A customer getting a price quote that meets those criteria will most likely get cheap rates and have a good chance to save a lot of money.
Potential customers who are not a match for the ideal profile will see a higher premium which translates to the customer not purchasing. If you listen to the ad wording, they say “drivers that switch” not “everybody who quotes” can save as much as they claim. That is how insurance companies can confidently make those claims. This emphasizes why you really should do a price quote comparison at every renewal. It’s just not possible to know the company that will be your best fit.
Lower rate quotes on Acura TL insurance in Seattle with these auto insurance discounts
Auto insurance companies don’t list all available discounts very clearly, so the below list has a few of the more well known and also the lesser-known credits available to bring down your rates.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school or through a local driver safety program.
- Resident Student – Children who attend college more than 100 miles from Seattle without a vehicle on campus can receive lower rates.
- 55 and Retired – Mature drivers can get a small decrease in premiums.
- Anti-theft Discount – Vehicles optioned with advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
- No Claim Discounts – Insureds with no claims or accidents get the best auto insurance rates compared to frequent claim filers.
- Onboard Data Collection – Seattle drivers who agree to allow driving data submission to spy on driving habits by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if their driving habits are good.
- Switch and Save Discount – Select companies give a discount for switching policies before your current expiration date. Ten percent is about the average savings.
- Passive Restraints and Air Bags – Factory air bags or automatic seat belts could see savings of 20 to 30 percent.
- E-sign Discounts – Many companies provide a small discount just for signing your application on the web.
Discounts save money, but please remember that most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like all the discounts add up to a free policy, you aren’t that lucky.
If you would like to view companies that provide some of the discounts listed above in Seattle, click here to view.
Get rate quotes but buy from a local neighborhood Seattle car insurance agent
Certain consumers just want to sit down with an agent and that is a personal choice. Good agents can help you choose the best coverages and help submit paperwork. The biggest benefit of getting online price quotes is that drivers can save money and get lower premium rates but still work with a licensed agent.
To find an agent, once you fill out this simple form, your insurance data is transmitted to local insurance agents who want to provide quotes and help you find cheaper coverage. There is no reason to contact an agency since price quotes are sent to you. If you have a need to get a price quote from a specific company, don’t hesitate to navigate to their website and complete a quote there.
Selecting an insurance company shouldn’t rely on just a low price. The answers to these questions are important, too.
- What company holds the largest book of business for them?
- Does the agency have a positive business rating?
- Do they review policy coverages at every renewal?
- Do they specialize in personal lines coverage in Seattle?
- Will your rates increase after a single accident?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they prorate repair cost based on vehicle mileage?
- Do they get paid more for recommending certain coverages?
Not all car insurance agents are the same
When looking for a reputable insurance agent or broker, it’s important to understand the different types of agencies and how they differ in how they quote coverages. Auto insurance agents in Seattle can be classified as either independent agents or exclusive agents. Both can insure your vehicles properly, but it’s important to point out the difference in how they write coverage because it may have an impact on the type of agent you choose.
Exclusive Insurance Agents
Agents in the exclusive channel can only write with one company like Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to compare rates from other companies so you might not find the best rates. Exclusive insurance agents are well trained on their company’s products and that enables them to sell even at higher rates. Consumers sometimes purchase coverage from exclusives mainly due to the brand legacy and strong financial ratings.
Listed below are Seattle exclusive agents who may provide you with rate quotes.
- Jeffrey Taylor – State Farm Insurance Agent
4850 Rainier Ave S – Seattle, WA 98118 – (206) 725-8008 – View Map
- Charles Cohen – State Farm Insurance Agent
9750 Greenwood Ave N #104 – Seattle, WA 98103 – (206) 784-5151 – View Map
- David Lo – State Farm Insurance Agent
12705 Renton Ave S – Seattle, WA 98178 – (206) 772-3388 – View Map
Independent Agencies or Brokers
Independent insurance agents often have many company appointments so they can write business through many different auto insurance companies and find the cheapest rate. To move your coverage to a new company, the business is moved internally without you having to go to a different agency. When searching for an agent, you will definitely want to get some free quotes from multiple independent agents to ensure the widest selection of prices. They often place coverage with different regional companies which could offer lower prices.
Shown below are independent insurance agencies in Seattle that can give you comparison quotes.
- Spangler Insurance
431 15th Ave E – Seattle, WA 98112 – (206) 329-7447 – View Map
- Vern Fonk
10301 Aurora Ave N – Seattle, WA 98133 – (206) 408-5098 – View Map
- BGI Agency Network Inc
4634 E Marginal Way S C 140 – Seattle, WA 98134 – (206) 682-9990 – View Map
Insurance is unique, just like you
When selecting coverage online or from an agent, there really isn’t a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that
These are some specific questions might point out if your insurance needs could use an agent’s help.
- Should I buy full coverage?
- Am I covered when driving a rental car?
- Does insurance cover tools stolen from my truck?
- Am I covered if my car is in a flood?
- How much liability coverage do I need in Washington?
- Do I need added coverage for expensive stereo equipment?
- Does my personal policy cover me when driving out-of-state?
- Where can I find DUI or SR-22 insurance?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.
Cheap coverage is out there
The cheapest Acura TL insurance in Seattle is definitely available online and with local Seattle insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and most of the time these smaller providers prefer to sell through independent agents.
We just showed you quite a bit of information on how to get a better price on Acura TL insurance in Seattle. It’s most important to understand that the more rate quotes you have, the better likelihood of getting inexpensive Seattle car insurance quotes. You may even find the best price on insurance is with a lesser-known regional company. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive or GEICO.
Much more information about insurance in Washington is located below:
- Teen Driver Statistics (Insurance Information Institute)
- How Much are Seattle Car Insurance Rates for 19 Year Olds? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Learn About Car Insurance (GEICO)