How many times have you put off comparing quotes for cheaper auto insurance rates in New Orleans, LA? New Orleans shoppers have lots of choices when shopping for low-cost Acura TL insurance. They can either spend hours calling around getting price quotes or save time using the internet to compare rates. There are more efficient ways to compare auto insurance rates and we’ll show you the proper way to compare rates on a Acura and locate the lowest price from both online companies and New Orleans agents.
Locating the most cost-effective auto insurance policy in New Orleans can be easy if you know a few tricks. If you have a current auto insurance policy, you will definitely be able to buy cheaper auto insurance using this strategy. You only have to learn the best way to shop their coverage around on the web.
How to compare free New Orleans Acura TL insurance price quotes
The following companies have been selected to offer comparison quotes in New Orleans, LA. To locate the cheapest auto insurance in Louisiana, it’s a good idea that you click on several of them to get a more complete price comparison.
Do you qualify for these seven discounts?
Insurance is expensive, but companies offer discounts that could help you make your next renewal payment. A few discounts will automatically apply when you purchase, but less common discounts must be specially asked for before they will apply.
- Military Discounts – Having a family member in the military can result in better insurance rates.
- Memberships – Belonging to a qualifying organization is a good way to get lower rates on your bill.
- Anti-lock Brake System – Cars and trucks with ABS and/or traction control can reduce accidents and therefore earn up to a 10% discount.
- Policy Bundle Discount – When you have multiple policies and insure them both with the same insurance company you may save up to 20% off your total TL insurance premium.
- Use Seat Belts – Buckling up and requiring all passengers to fasten their seat belts can save a little on medical payment and PIP coverage.
- Waiver for an Accident – Not necessarily a discount, but certain companies allow you one accident without raising rates as long as you don’t have any claims prior to the accident.
- Employee of Federal Government – Active or former government employment could provide a small rate reduction but check with your company.
As a footnote on discounts, some of the credits will not apply to the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So when it seems like you could get a free insurance policy, you won’t be that lucky.
The example below shows the comparison of Acura TL insurance prices with and without discounts. The premium estimates are based on a male driver, no claims, a clean driving record, Louisiana state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, marriage, multi-car, and multi-policy discounts applied.
To see insurance companies who offer insurance discounts in New Orleans, click this link.
Acura TL insurance statistics and information
The data table shown below highlights a range of insurance costs for Acura TL models. Knowing how insurance rates are calculated can be useful when making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TL 3.5 | $278 | $552 | $628 | $38 | $188 | $1,684 | $140 |
| TL 3.5 W/Technology Package | $278 | $552 | $628 | $38 | $188 | $1,684 | $140 |
| TL 3.7 SH AWD | $278 | $552 | $628 | $38 | $188 | $1,684 | $140 |
| TL 3.7 SH W/Technology Package AWD | $278 | $634 | $628 | $38 | $188 | $1,766 | $147 |
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Table data does not factor in specific location information which can increase or decrease insurance rates substantially.
The diagram below shows how choosing a deductible and can change Acura TL insurance prices for each different age category. The data assumes a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
How accidents and tickets impact rates in New Orleans
The example below shows how traffic citations and at-fault fender-benders drive up Acura TL auto insurance rates for different age groups of insureds. The premium estimates are based on a married female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
Full coverage versus liability only rates
The illustration below shows the comparison of Acura TL auto insurance costs when comparing full coverage to state minimum liability only. The rate quotes are based on no claims or driving violations, $100 deductibles, marital status is single, and no additional discounts are factored in.
Guidelines for dropping full coverage
There isn’t a written rule of when to eliminate physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is more than 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Acura TL replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $4,000 after you pay the deductible. If premium cost is more than $400 a year for physical damage coverage, then you might consider buying liability only.
There are some circumstances where dropping full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not buy liability only.