Acura TL Insurance Quotes in Portland

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Want more competitive Acura TL insurance in Portland? There isn't anyone who is fond of buying car insurance, especially when the cost is too high.

Discount Acura TL insuranceAstonishing but true, the vast majority of car insurance customers kept their coverage with the same car insurance company for at least the last four years, and roughly 40% of drivers have never even shopped around for affordable coverage. Portland insurance shoppers could save as much as 60% each year by just comparing rate quotes, but they don't want to take the time to find affordable car insurance rates.

Steps to finding low-cost rates for Acura TL insurance in Portland

The best way we recommend to find low-cost auto insurance rates in Portland is to regularly compare quotes from different companies who sell insurance in Oregon. Drivers can shop around by completing these steps.

  • Step 1: Learn about how companies price auto insurance and the steps you can take to prevent high rates. Many rating criteria that result in higher rates like at-fault accidents, careless driving, and an unacceptable credit rating can be rectified by being financially responsible and driving safely.
  • Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can give you price quotes from many different companies.
  • Step 3: Compare the new rates to your existing coverage and determine if cheaper TL coverage is available. If you find a lower rate and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
  • Step 4: Give notification to your current company of your intention to cancel your current coverage and submit payment and a completed application to your new insurance company. Once received, place the new certificate of insurance above your visor, in the console, or in the glove compartment.

A good tip to remember is that you use the same liability limits and deductibles on each quote request and and to get price quotes from as many different companies as possible. This helps ensure a level playing field and a complete selection of prices.

Lots of car insurance companies contend for your hard-earned dollar, so it's not easy to compare every company to find the lowest price on Acura TL insurance in Portland.

Smart consumers take time to take a look at other company's rates at least once a year since insurance prices change regularly. Just because you found the best deal on Acura TL insurance in Portland last year other companies may now be cheaper. There is a lot of bad advice regarding TL insurance online but in a few minutes you can learn some good information on how to find affordable car insurance in Portland.

If you have coverage now, you will definitely be able to shop for the lowest rates using the techniques presented in this article. Buying the cheapest car insurance in Portland is actually quite easy if you know where to start. But Oregon car owners should learn how big insurance companies determine premium rates because rates fluctuate considerably.

When comparing insurance rates, know that comparing a large number of companies provides better odds of finding the best price.

The auto insurance companies shown below offer free rate quotes in Oregon. If you wish to find cheap car insurance in Oregon, we recommend you visit several of them to find the most affordable auto insurance rates.

These discounts can reduce Acura TL insurance rates

Some companies do not advertise every discount they offer very clearly, so the list below details a few of the more common as well as the least known car insurance savings.Car insurance discounts

  • ABS and Traction Control Discounts - Anti-lock brake equipped vehicles are much safer to drive and will save you 10% or more on TL insurance in Portland.
  • Discounts for Good Drivers - Drivers without accidents can save as much as half off their rates compared to accident prone drivers.
  • Save with More Vehicles Insured - Having all your vehicles with the same car insurance company could earn a price break for each car.
  • Discount for Multiple Policies - When you have multiple policies with the same company you could earn a discount of up to 20% off your total TL insurance premium.
  • Driver Education Discount - Require your teen driver to take driver's ed class in school.
  • Save over 55 - If you qualify as a senior citizen, you could receive a small discount on rates.
  • Government Employees - Active or former government employment could provide a small rate reduction with select insurance companies.

One last thing about discounts, most credits do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, it just doesn't work that way.

The illustration below shows the difference between Acura TL auto insurance rates with and without policy discounts. The price estimates are based on a female driver, no accidents or driving violations, Oregon state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, safe-driver, claim-free, and multi-policy discounts applied.

Car insurance companies who may offer some of the above discounts possibly include:

When getting a coverage quote, ask each company or agent which discounts they offer. A few discounts may not apply to policies everywhere. If you would like to see a list of car insurance companies that provide some of the discounts listed above in Portland, click this link.

Rates and data analysis

The information shown below covers a range of insurance rates for Acura TL models. Having a better understanding of how auto insurance policy rates are established can help customers make decisions on which coverage to buy.

Acura TL Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $206 $364 $330 $20 $98 $1,018 $85
TL 3.5 W/Technology Package $206 $364 $330 $20 $98 $1,018 $85
TL 3.7 SH AWD $206 $364 $330 $20 $98 $1,018 $85
TL 3.7 SH W/Technology Package AWD $206 $418 $330 $20 $98 $1,072 $89
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Price information does not factor in specific Portland garaging location which can decrease or increase premiums noticeably.

Rate comparison for different deductibles

When shopping for auto insurance, a common question is how high should the deductibles for physical damage be. The rates below illustrate how much more rates are when you buy lower versus higher deductibles. The first set of rates uses a $250 deductible and the second price table uses a $500 deductible.

Acura TL insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $278 $490 $320 $18 $96 $1,227 $102
TL 3.5 W/Technology Package $278 $490 $320 $18 $96 $1,227 $102
TL 3.7 SH AWD $278 $490 $320 $18 $96 $1,227 $102
TL 3.7 SH W/Technology Package AWD $278 $564 $320 $18 $96 $1,301 $108
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Acura TL insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $226 $396 $320 $18 $96 $1,056 $88
TL 3.5 W/Technology Package $226 $396 $320 $18 $96 $1,056 $88
TL 3.7 SH AWD $226 $396 $320 $18 $96 $1,056 $88
TL 3.7 SH W/Technology Package AWD $226 $456 $320 $18 $96 $1,116 $93
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in specific zip code location which can lower or raise insurance rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible costs approximately $15 more each month or $180 for a full year than choosing the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 17 months between claims, you would most likely save money going with the higher deductible.

When should I have guidance from an agent?

A small number of people still prefer to buy from a local agent and that can be a smart move A good thing about comparing rates online is that you can find cheap insurance rates and still have a local agent.

Insurance agents in PortlandFor easy comparison, once you complete this short form, your coverage information is transmitted to participating agents in Portland who want to provide quotes and help you find cheaper coverage. You won't need to leave your house as quotes are delivered straight to your inbox. Get lower rates without having to waste a lot of time. If you need to compare rates from a specific company, just visit that company's website and give them your coverage information.

Deciding on an company requires more thought than just a cheap quote. Here are some questions you might want to ask.

  • What insurance company do they write the most business with?
  • Where would glass claims be handled in Portland?
  • Are there any discounts for paying up front?
  • Will the agent help in case of a claim?
  • If you have an accident, will your rates go up?
  • Do you qualify for any additional discounts?

After talking to the agent and getting positive responses to any questions you have as well as a affordable price, most likely you have located a company that can be trusted to provide insurance coverage. Just keep in mind you can always terminate coverage when you choose so don't assume that you are permanently stuck with your new company for the full policy term.

How Car Insurance Companies Calculate Acura TL Insurance Rates

Lots of things are taken into consideration when you quote your car insurance policy. Some factors are common sense like your driving record, although others are not as apparent like your continuous coverage and annual miles driven. Smart consumers have a good feel for some of the things that help calculate your premiums. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that may result in lower insurance prices.

The following are some of the items utilized by car insurance companies to help set your premiums.

Little extras can really add up - There are many extra bells and whistles that sound like a good idea at the time if you don't pay attention. Coverages like rental car reimbursement, accidental death, and extra life insurance coverage are some examples. These coverages may sound good when deciding what coverages you need, but now you might not need them so remove them and pocket the money.

Drive a fast car and pay more - The type of car you need insurance for makes a huge difference in the rate you pay. The lowest base rates tend to be for lower performance four cylinder passenger models, but other factors influence the final cost greatly.

The data below uses these variables: single female driver age 50, full coverage with $100 deductibles, and no discounts or violations. The data compares Acura TL insurance premiums compared to other models that have a range of performance risks.

Cheaper rates with high comp and collision deductibles - Comp and collision deductibles define the amount you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, aka comp and collision, is used to repair damage to your car. Examples of covered claims could be colliding with a stationary object, animal collisions, and damage from wind. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be.

Don't get traffic citations - Getting just one chargeable violation can bump up the cost forty percent or more. Drivers with clean records have lower premiums as compared to careless drivers. Drivers unfortunate enough to have severe violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state's licensing department in order to prevent a license revocation.

The illustration below shows how speeding tickets and at-fault collisions can affect Acura TL insurance premiums for different age categories. The premiums assume a married male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

Save by driving less - The higher the mileage driven in a year the higher the price you pay to insure it. The majority of insurers apply a rate partially by how you use the vehicle. Autos that do not get driven very much cost less to insure than cars that get driven a lot. An incorrectly rated TL can result in significantly higher rates. It's a smart idea to ensure your insurance policy correctly shows the proper vehicle usage.

Deter theft and reduce rates - Buying a car with an alarm system can save you some money. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all help prevent auto theft.

Acura TL statistical loss data - Car insurance companies use data from past claims to help determine the price you pay. Vehicles that the data determines to have higher losses will cost more for coverage. The data below shows the actual insurance loss data for Acura TL vehicles.

For each policy coverage, the loss probability for all vehicles, regardless of make or model, is considered to be 100. Numbers below 100 suggest a positive loss record, while values over 100 show a trend for more claims or tendency to have higher losses.

Car Insurance Loss Data for Acura TL Models
Vehicle 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

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

Why do I need car insurance?

Even though it's not necessarily cheap to insure an Acura in Portland, insuring your vehicle may be required for several reasons.

  • Most states have minimum mandated liability insurance limits which means state laws require specific limits of liability protection if you drive a vehicle. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
  • If your Acura has a lienholder, more than likely the lender will force you to have comprehensive coverage to guarantee payment of the loan. If you let the policy lapse, the lender may insure your Acura for a much higher rate and force you to pay for the much more expensive policy.
  • Insurance protects both your assets and your Acura TL. It will also cover hospital and medical expenses for not only you but also any passengers injured in an accident. Liability coverage also covers legal expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of carrying enough insurance definitely exceed the price paid, especially if you ever need it. As of last year, the average driver in Oregon is overpaying more than $869 every year so it's very important to do a rate comparison at every renewal to ensure rates are competitive.

Car insurance companies ranked

Buying coverage from the best car insurance provider can be a challenge considering how many companies there are to choose from in Portland. The rank data shown next could help you pick which auto insurers to look at to insure your vehicles.

Top 10 Portland Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

Top 10 Portland Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. AAA Insurance
  7. State Farm
  8. Mercury Insurance
  9. Nationwide
  10. Safeco

Compare rates regularly to save

Lower-priced Acura TL insurance in Portland is attainable from both online companies in addition to local insurance agencies, so you should compare both in order to have the best price selection to choose from. There are still a few companies who don't offer internet price quotes and many times these smaller companies prefer to sell through independent agencies.

We just showed you many ideas to shop for Acura TL insurance online. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even be surprised to find that the best price on auto insurance is with the least-expected company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, GEICO and Nationwide.

Steps to saving on Acura TL insurance in Portland

If you want to save money, the best way to quote cheaper Acura TL insurance is to compare prices at least once a year from companies in Portland. Rates can be compared by following these guidelines.

  1. Read about how companies set rates and the things you can change to prevent rate increases. Many policy risk factors that increase rates such as distracted driving and poor credit rating can be remedied by making minor changes to your lifestyle.
  2. Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO and Allstate, while independent agencies can provide prices for a wide range of companies.
  3. Compare the price quotes to your existing rates to see if a cheaper price is available. If you find a lower rate quote and decide to switch, make sure there is no coverage gap between policies.

An important part of this process is to use identical deductibles and limits on every quote request and and to compare every company you can. This guarantees an apples-to-apples comparison and a thorough selection of prices.

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