Car Insurance Quotes for an Acura TL in Jersey City

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How many times have you said it's time to compare more affordable Acura TL insurance in Jersey City? Saving money on Acura TL insurance in Jersey City can seem to be nearly impossible for people who are new to comparing prices online. People have so many options that it can quickly become a lot of work to find the lowest price on Acura TL insurance.

How to find more affordable Acura TL insurance in Jersey City

The best way to find cheaper auto insurance rates is to compare prices at least once a year from insurers who sell auto insurance in Jersey City. Price quotes can be compared by completing these steps.

  • Step 1: Take a little time to learn about how your policy works and the things you can change to prevent rate increases. Many factors that are responsible for high rates such as speeding tickets, careless driving and a substandard credit score can be remedied by making minor driving habit or lifestyle changes. This article provides tips to prevent expensive rate increases and find additional discounts.
  • Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agents can quote rates from multiple sources. View prices
  • Step 3: Compare the quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate quote and decide to switch, ensure coverage does not lapse between policies.
  • Step 4: Tell your current agent or company of your intention to cancel your current policy. Submit a down payment along with a signed application to the newly selected company. Be sure to put the certificate verifying coverage in an easily accessible location.

The key thing to know about shopping around is to try to use identical limits and deductibles on every price quote and to quote with as many auto insurance providers as possible. Doing this guarantees the most accurate price comparison and the best price selection.

Insurance quote for Acura TL in Jersey CityA recent survey discovered that the vast majority of consumers have remained with the same insurance company for at least the last four years, and just under half have never compared insurance rates at all. With the average insurance premium being $2,010, Jersey City drivers can save nearly $700 each year just by getting comparison quotes, but most just don't grasp how much they could save if they moved their coverage to a different company.

To find the best car insurance rates, there are several ways to compare quotes from many different New Jersey insurance companies. The quickest method to find competitive Acura TL insurance rates is simply to get online rate quotes.

It's important to know that comparing more prices will increase your chances of finding a lower rate. Not every company allows you to get price estimates online, so it's important to compare price estimates on coverage from those companies, too.

The providers in the list below have been selected to offer free quotes in New Jersey. If multiple companies are listed, we recommend you get price quotes from several of them in order to find the most competitive rates.

Insurance coverage details

The table below outlines estimates of rate quotes for Acura TL models. Learning more about how insurance premiums are calculated can help you make decisions on the best policy to buy.

Acura TL Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $402 $834 $624 $36 $188 $2,084 $174
TL 3.5 W/Technology Package $402 $834 $624 $36 $188 $2,084 $174
TL 3.7 SH AWD $402 $834 $624 $36 $188 $2,084 $174
TL 3.7 SH W/Technology Package AWD $402 $960 $624 $36 $188 $2,210 $184
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Table data does not factor in Jersey City location which can impact coverage prices noticeably.

Higher deductibles save money

When buying car insurance, a common question is the level to set your comp and collision deductibles. The rates shown below can help illustrate the differences in price when you select higher and lower policy deductibles. The first pricing table uses a $250 deductible and the second data table uses a $1,000 deductible.

Acura TL insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $420 $738 $480 $28 $144 $1,835 $153
TL 3.5 W/Technology Package $420 $738 $480 $28 $144 $1,835 $153
TL 3.7 SH AWD $420 $738 $480 $28 $144 $1,835 $153
TL 3.7 SH W/Technology Package AWD $420 $848 $480 $28 $144 $1,945 $162
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Acura TL insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $258 $464 $480 $28 $144 $1,374 $115
TL 3.5 W/Technology Package $258 $464 $480 $28 $144 $1,374 $115
TL 3.7 SH AWD $258 $464 $480 $28 $144 $1,374 $115
TL 3.7 SH W/Technology Package AWD $258 $534 $480 $28 $144 $1,444 $120
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in specific zip code location which can lower or raise premiums greatly.

Based on the data above, we can derive that using a $250 deductible costs an average of $39 more each month or $468 each year than opting for 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 go at a minimum 19 months between claims, you would come out ahead if you elect the higher deductible.

The example below illustrates how your choice of deductibles and can influence Acura TL premium costs for different ages of insureds. The rate quotes are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

Car insurance in New Jersey serves several purposes

Despite the potentially high cost of Acura TL insurance, car insurance serves a purpose in several ways.

First, just about all states have mandatory insurance requirements which means state laws require specific minimum amounts of liability in order to license the vehicle. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your TL, more than likely the lender will stipulate that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank or lender will purchase a policy for your Acura at an extremely high rate and make you pay much more than you were paying before.

Third, car insurance protects not only your Acura but also your assets. Insurance will pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If damage is caused by hail or an accident, your policy will cover the damage repairs after a deductible is paid.

The benefits of having car insurance are without a doubt worth the cost, particularly for liability claims. Unknowingly, the average driver is overpaying more than $855 a year so compare quotes from several companies at every renewal to be sure current rates are still competitive.

Why Informed Drivers Pay Less for Acura TL Insurance

Consumers need to have an understanding of the factors that go into determining the level of your policy premiums. If you know what controls the rates you pay, this enables informed choices that could result in cheaper rates. Many factors are part of the equation when pricing auto insurance. Most are fairly basic like your driving record, but others are more transparent like where you live or your vehicle rating.

Teenagers vs. older drivers - Older, more experienced drivers are more responsible, are lower risk to insure, and get fewer tickets. Youthful drivers have been known to be careless and easily distracted when at the wheel of a vehicle therefore auto insurance rates are much higher.

The chart below uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

Raise comp and collision deductibles and save - The deductibles you choose state the amount of money you are willing to pay in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of some claims that would be covered are colliding with a stationary object, hail damage, or theft of your vehicle. The higher the amount the insured has to pay upfront, the better rate you will receive.

Having a spouse can lower premiums - Having a spouse helps lower the price when buying auto insurance. Marriage means you're more mature and statistics show married drivers tend to file fewer claims.

More traffic means higher claims - Having an address in less populated areas of the country can save you money when talking about auto insurance. Fewer drivers on the road means fewer accidents in addition to fewer liability claims. Urban drivers tend to have much more traffic and higher rates of accident claims. More time on the road means higher likelihood of an accident.

Do you really need roadside assistance? - There are quite a few extra add-on coverages that you can get tricked into buying on your auto insurance policy. Things like roadside assistance, better glass coverage, and membership fees may be costing you every month. You may think they are a good idea when deciding what coverages you need, but your money might be better spent on other coverage so remove them and pocket the money.

Insurance claims cost money - Companies in New Jersey give most affordable rates to drivers that do not abuse their auto insurance. If you file claims often, you can definitely plan on higher rates. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.

Insurance loss data for an Acura TL - Insurers use data from past claims when they set coverage costs for each model. Vehicles that are shown to have a higher amount or frequency of claims will cost more for specific coverages.

The table below demonstrates the insurance loss data used by companies for Acura TL vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, as a total average, is equal to 100. Numbers that are below 100 are indicative of better than average losses, while numbers that are greater than 100 indicate higher probability of having a loss or statistically larger losses.

Insurance Loss Ratings for Acura TL Vehicles
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
BETTER
AVERAGE
WORSE

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

Slash rates with these discounts on Acura TL insurance in Jersey City

The cost of insuring your cars can be expensive, but you can get discounts to reduce the price significantly. Certain discounts will be applied at the time of purchase, but a few must be specifically requested in order for you to get them.Save money with discounts

  • Multi-policy Discount - If you insure your home and vehicles with one insurance company you will save nearly 15% which can help you find low cost Acura TL insurance.
  • Life Insurance Discount - Select insurance carriers reward you with a discounted rate on car insurance if you buy life insurance.
  • Home Ownership Discount - Just being a homeowner can save a few bucks because owning a home is proof of financial responsibility.
  • Anti-lock Brake System - Cars with anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
  • Pay Early and Save - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Claim Free - Good drivers with no accidents pay much less when compared to bad drivers.
  • Air Bags and Passive Restraints - Cars that have air bags or motorized seat belts may earn rate discounts up to 30%.

Consumers should know that many deductions do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, car insurance companies aren't that generous.

The illustration below illustrates the difference between Acura TL insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no claims or violations, New Jersey state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, homeowner, claim-free, and multi-car discounts applied.

Some companies that may have most of these discounts include:

Check with every company how you can save money. Some of the earlier mentioned discounts might not apply in Jersey City.

Your car insurance coverage should be tailored to you

When choosing a policy for your vehicles, there is no cookie cutter policy. You are unique.Car insurance savings

Here are some questions about coverages that might help in determining if you might need professional guidance.

  • Why does it cost so much to insure a teen driver in Jersey City?
  • Does coverage follow the driver or the vehicle?
  • How much can I save by bundling my policies?
  • Does every company file a SR-22 automatically?
  • Can I drive in Mexico and have coverage?
  • At what point should I drop full coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don't know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Buying from insurance agents

A lot of people just prefer to go talk to an agent and there is nothing wrong with that. The best thing about comparing insurance prices online is that drivers can save money and get the lowest rates and still have an agent to talk to.

Insurance agency in Jersey CityBy using this simple form, your insurance coverage information is transmitted to companies in Jersey City who will gladly provide quotes for your coverage. You won't even need to find an agent as quotes are delivered to you instantly. It's the lowest rates without requiring a lot of work. If for some reason you want to get a price quote from a particular provider, feel free to navigate to their website and complete a quote there.

Picking the best insurance company requires more thought than just the quoted price. Below are some questions you should ask.

  • Is coverage determined by price?
  • Do they reduce claim amounts on high mileage vehicles?
  • What kind of financial rating does the company have?
  • How experienced are they in personal risk management?
  • Where would glass claims be handled in Jersey City?
  • Do the agents have professional certifications like CPCU or CIC?
  • Is there a local claims center in Jersey City?
  • Are there any hidden costs in their price quote and does it include driving and credit history?

What type of Jersey City car insurance agent is right for you?

If you are wanting to purchase car insurance from a local agent, there are a couple of different agency structures and how they can write your policy. Jersey City agents can be categorized as either independent or exclusive.

Exclusive Insurance Agents

These type of agents generally can only insure with one company such as State Farm or Allstate. They are unable to provide rate quotes from other companies so keep that in mind. Exclusive agencies are well trained on their products and sales techniques and that enables them to sell even at higher rates. Some people will only choose to use a exclusive agent mostly because of the prominence of the brand rather than having low rates.

The following is a short list of exclusive agents in Jersey City willing to provide price quotes.

More insurance agents

Independent Insurance Agents

Independent agents can quote rates with many companies so they can write business through many companies and potentially find a lower price. If they quote lower rates, they simply switch companies in-house without you having to go to a different agency.

When comparing car insurance prices, you will want to contact at a minimum one independent agency for maximum quote selection. They often place coverage with companies you've never heard of that may provide cheaper car insurance rates.

The following are Jersey City independent insurance agents that can give you price quotes.

More insurance agents

After receiving acceptable answers for all questions you ask as well as offering an affordable quote, most likely you have located a car insurance agent that will properly insure your vehicles. Just understand that you are able to cancel your coverage whenever you choose to so don't think that you are permanently stuck with a specific company with no way out.

New Jersey auto insurance companies

Ending up with a highly-rated insurance company can be a challenge considering how many different insurance companies sell coverage in New Jersey. The company ratings shown next could help you choose which coverage providers to look at purchasing coverage from.

Jersey City, New Jersey Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Insure.com Best Car Insurance Companies

Cheap coverage is out there

When shopping online for insurance, do not sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible for the lowest price, not the least amount of coverage.

We covered a lot of tips how to reduce Acura TL insurance prices online in Jersey City. The key concept to understand is the more price quotes you have, the higher your chance of finding inexpensive Jersey City auto insurance quotes. Consumers could even find that the most savings is with some of the smallest insurance companies.

Consumers who switch companies do it for a number of reasons such as lack of trust in their agent, questionable increases in premium, policy non-renewal and even extreme rates for teen drivers. Whatever your reason, choosing a new insurance company can be easier than you think.

How to find lower priced Acura TL insurance in Jersey City

To save the most money, the best way to save on Acura TL insurance in Jersey City is to regularly compare prices from providers that sell auto insurance in New Jersey.

  1. Spend some time learning about the coverage provided by your policy and the things you can change to prevent rate increases. Many things that drive up the price such as tickets, at-fault accidents, and an unacceptable credit score can be eliminated by making minor driving habit or lifestyle changes.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like Progressive or State Farm, while agents who are independent can quote prices from many different companies.
  3. Compare the new quotes to the premium of your current policy to determine if you can save on TL insurance in Jersey City. If you find a lower rate quote and make a switch, make sure coverage does not lapse between policies.
  4. Provide notification to your current company of your intention to cancel your current policy. Submit the application along with any required down payment to your new insurance company. Immediately upon receiving it, place your new proof of insurance certificate with the vehicle registration.

One thing to point out is to use similar limits and deductibles on each price quote and and to get rates from as many different companies as possible. Doing this guarantees an accurate price comparison and the best price selection.

More detailed insurance information can be read in these articles: