Car insurance cost for 2013 Acura TL vehicles can differ widely depending on various factors; to find an affordable policy it's essential to be informed as to which elements influence it. These may include vehicle type/year/make/model year/make, safety features/infrastructure components (STC/ESC), driving history data (DHR/DRL), location information and insurance provider options.
Liability insurance is usually required when leasing or financing a car, to cover other people's property damage and injuries sustained from driving it.
Basic Coverage
If you own a 2013 Acura TL, then liability and collision coverage is necessary for its safe operation. Liability coverage pays for damages you cause to other people in an accident while collision covers repairs to your own car after it collides with another vehicle or object. Most jurisdictions require at least liability coverage before driving their vehicles on public roads while leasing or financing institutions will likely insist that comprehensive and collision policies also be included as requirements for driving them legally.
Cost of insurance for an Acura TL depends on several factors, including driving record, type of vehicle and location. On average, car insurance costs approximately $1,500 annually in 2013. You can reduce rates by maintaining a good driving history and shopping for discounts - some insurers even provide discounts for safety features and bundling policies together.
Additionally to standard basic coverage, it may be beneficial to increase your coverage with Personal Injury Protection (PIP) and Uninsured/Underinsured Motorist coverages. PIP and UIM coverage can cover medical costs and property damage caused by an accident regardless of who caused it - raising deductibles can save money and bring down premiums!
As a luxury vehicle, Acura TL typically attracts higher auto insurance rates compared to similar-sized and body styled vehicles; however, cost may differ significantly depending on several factors, including its age/value/safety features/driving history/location etc.
Ohio Mutual stands out as an affordable provider offering liability only policies at rates as little as $20 monthly, while American Alliance, Aspire and USAA all provide low rates to drivers of TLs. When searching for affordable coverage quotes be sure to compare multiple providers before selecting one as your provider.
Comprehensive Coverage
The 2013 Acura TL is an affordable luxury sedan, providing drivers with a low car insurance premium rate. When compared to similar vehicles in its class, this one of the lowest premium rates makes for an excellent vehicle at a great price point.
Before selecting an insurance provider, it's essential to compare quotes from several companies before making your choice. A variety of factors can impact the cost of auto insurance policies including age, driving record, location and credit history as well as year, make and value of vehicle as well as type of coverage chosen and optional safety features installed in car.
In addition to standard liability coverage, the 2013 Acura TL offers comprehensive and collision options that provide added protection from expensive car repairs or the total loss of their vehicles in an accident. When comparing quotes it is essential to compare identical policies; many insurers offer discounts for safe drivers, multiple vehicle policies or bundle your home and auto policies together for savings.
The Acura TL stands out as an impressively safe luxury car, earning top ratings from the Insurance Institute for Highway Safety's new small overlap frontal crash test and standard frontal impact protection. Furthermore, this car boasts cutting-edge technologies and comfort features such as its dual-zone automatic climate control system, power moonroof and power-folding rear seatback.
The TL comes in several trim levels, each offering unique features and capabilities. From advanced technology of the Technology Package to sporty handling of SH-AWD Advance Package - there's sure to be one to suit both your lifestyle and budget!
Collision Coverage
The Acura TL is a luxurious performance sedan with numerous customization options available. Your insurance rates depend on many factors including its model year, safety features and driving history as well as your deductibles and policy limits; your location also influences this figure - to get the best estimate of price available to you, compare quotes from multiple providers.
The 2013 Acura TL is a front-drive luxury sedan designed to provide a smooth and relaxing drive at excellent fuel economy. The interior space is roomy and well designed, and comes standard with numerous standard features like dual-stage airbags, rearview camera, antilock brake system and responsive handling capability. In addition, various optional accessories such as premium sound system and push button start are also available as accessories on this vehicle.
On average, insuring a 2013 Acura TL costs $1238 annually to insure. The most economical trim level is the 3.5 SE Sedan; while its most costly counterpart is the 3.7 SH-AWD. There are several discounts that may help bring down this expense including safe driver, multi-vehicle and bundling discounts; additionally you could save money by abiding by driving laws and improving your credit score prior to applying for insurance policies.
Acura TL models have consistently performed well in government crash tests, earning top ratings from both IIHS in their small overlap frontal test (which simulates collision between fixed barriers and moving cars at 40 mph) as well as being among the first vehicles to earn GOOD ratings in more stringent roof strength testing.
Age can also play a significant role in determining your Acura TL insurance rates. Teenagers and young adults typically pay higher premiums due to limited driving experience; however, drivers over 25 tend to have reduced premiums because insurance companies can use their driving record as evidence against risk assessment.
Though collision coverage is essential, when making your decision it is also wise to factor in costs and deductible sizes when making a decision on how much coverage to purchase. If your deductible approaches that of the value of your vehicle then perhaps dropping this type of policy may be wiser option.
Liability Coverage
In case your Acura TL is involved in an accident, having sufficient liability coverage to pay for repairs and medical expenses will help cover repair bills or medical bills. Unfortunately, full coverage tends to raise car insurance rates; to save money on premiums try lowering coverage levels or opting for higher deductibles.
Liability coverage protects you if someone is injured by or their property is damaged by your vehicle. In case of negligence suits against you, liability coverage may help cover legal fees and damages awarded against you. While cheap liability policies exist, it's essential that you carefully consider their risks and benefits prior to making a decision on what policy best fits you.
Location can also play an influential role in your insurance rates, and costs tend to be more costly in densely populated areas than rural ones, due to more vehicles on the road resulting in accidents and collisions. To find more cost-effective policies that include your zip code as well as risk profiles.
Consideration must also be given to your age and driving record when selecting an auto insurance policy. Younger drivers tend to pay more due to being at greater risk of accidents; on average, men pay $17 more monthly.
Your driving history and credit score both play a part in determining your auto insurance rates. To keep costs at a minimum and secure lower rates faster, it is best to avoid getting tickets or infractions and maintain an impeccable driving record. Doing this may result in lower premiums as well as faster exiting high-risk situations.
On average, insuring an Acura TL costs less than other midsize luxury cars such as the Lexus ES 350 and Infiniti Q50. Furthermore, the Acura TL is less costly to cover than both Lincoln MKZ and Mercedes E300 vehicles.
These average rates are calculated with respect to a 1999 Acura TL driven by a 40-year-old male driver with no accidents or violations on his driving record. They assume $500 comprehensive and collision deductibles with minimum bodily injury liability limits of 30/60 and uninsured motorist coverage as applicable.