It’s a known fact that auto insurance companies don’t want you to look for a cheaper policy. Insureds who shop around at least once a year will most likely buy a new policy because there is a significant possibility of finding a lower rate. A recent insurance study revealed that drivers who compared rates once a year saved about $3,450 over four years compared to other drivers who never shopped around.
If finding the cheapest rates on Acura TL insurance in Bakersfield is your goal, then learning about how to quote prices and compare insurance can help you succeed in saving money.
The most effective way to find affordable Acura TL insurance is to compare prices annually from providers that insure vehicles in Bakersfield. This can be done by following these guidelines.
- First, it will benefit you to learn about how insurance companies determine prices and the measures you can control to prevent expensive coverage. Many rating criteria that increase rates like traffic citations, accidents, and poor credit can be rectified by being financially responsible and driving safely.
- Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes from multiple sources.
- Third, compare the new quotes to your existing rates to see if a cheaper price is available. If you can save money, make sure there is no coverage gap between policies.
- Fourth, give proper notification to your current agent or company to cancel your current car insurance policy and submit payment and a completed application for the new coverage. Once received, put the new proof of insurance certificate above your visor, in the console, or in the glove compartment.
A crucial key to this process is to use similar coverage information on each quote request and and to get price estimates from as many auto insurance providers as possible. Doing this guarantees a fair rate comparison and a thorough selection of prices.
Affordable companies for Acura TL insurance in California
The companies in the list below are ready to provide free quotes in California. If more than one company is shown, we suggest you visit several of them in order to find the lowest rates.
Premium rates and analysis
The coverage table below showcases a range of prices for Acura TL models. Having a good understanding how policy premiums are established can assist in making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TL 3.5 | $370 | $834 | $500 | $30 | $150 | $1,884 | $157 |
| TL 3.5 W/Technology Package | $370 | $834 | $500 | $30 | $150 | $1,884 | $157 |
| TL 3.7 SH AWD | $370 | $834 | $500 | $30 | $150 | $1,884 | $157 |
| TL 3.7 SH W/Technology Package AWD | $370 | $960 | $500 | $30 | $150 | $2,010 | $168 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in vehicle location which can influence prices noticeably.
Auto insurance deductibles
When buying auto insurance, a common question is how high should your deductibles be. The comparisons below lay out the difference in cost between low and high comp and collision deductibles. The first data table uses a $250 physical damage coverage deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TL 3.5 | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| TL 3.5 W/Technology Package | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| TL 3.7 SH AWD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| TL 3.7 SH W/Technology Package AWD | $386 | $780 | $442 | $26 | $132 | $1,791 | $149 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TL 3.5 | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| TL 3.5 W/Technology Package | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| TL 3.7 SH AWD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| TL 3.7 SH W/Technology Package AWD | $314 | $630 | $442 | $26 | $132 | $1,544 | $129 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Estimates do not factor in specific Bakersfield garaging location which can increase or decrease price quotes considerably.
Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $19 more each month or $228 annually than choosing the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have more than 13 months between claims, you would come out ahead if you elect the higher deductible.
Premiums by gender and age
The diagram below compares Acura TL insurance costs for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are factored in.
Save money by getting discounts
Car insurance is neither fun to buy or cheap, but there’s a good chance there are discounts that you may not even know about. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be specifically requested prior to receiving the credit.
- Club Memberships – Having an affiliation with certain professional organizations is a simple method to lower premiums on your bill.
- Bundle and Save – If you can bundle your home and auto insurance and insure them with the same company you may earn over 10 percent off each policy depending on the company.
- Good Student – This discount can earn a discount of 20% or more. This discount can apply until age 25.
- Buy New and Save – Buying a new car instead of a used TL can be considerably cheaper because new vehicles keep occupants safer.
- Sign Online – Many car insurance companies provide a small discount for completing your application on the web.
- Accident-Free Discounts – Good drivers with no accidents get the best car insurance rates when compared to accident-prone drivers.
Don’t be surprised that some credits don’t apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will reduce the cost of coverage.
The illustration below shows the difference between Acura TL premium costs with and without discounts. The data is based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, claim-free, homeowner, and safe-driver discounts applied.
If you would like to view providers offering car insurance discounts in California, click here.
Auto insurance quotes from local Bakersfield insurance agents
Many people just prefer to sit down and talk to an agent and doing so can bring peace of mind An additional benefit of getting free rate quotes online is the fact that drivers can get lower rates and also buy local. And supporting local insurance agents is still important in Bakersfield.
After completing this form (opens in new window), the quote information is sent to agents in your area who want to provide quotes for your auto insurance coverage. It makes it easy because there is no need to find an agent on your own due to the fact that quote results will go to your email. You can most likely find cheaper rates without a big time investment. If you have a need to get a comparison quote for a specific company, don’t hesitate to jump over to their website and give them your coverage information.
Listed below is a short list of insurance companies in Bakersfield that can give you price quote information for Acura TL insurance in Bakersfield.
- Keith Stonebraker – State Farm Insurance Agent
4600 Ashe Rd #308 – Bakersfield, CA 93313 – (661) 664-9663 – View Map - Farmers Insurance: Grant Fortt
2623 F St – Bakersfield, CA 93301 – (661) 829-4499 – View Map - Jim Windes – State Farm Insurance Agent
3512 Coffee Rd d – Bakersfield, CA 93308 – (661) 588-1001 – View Map - Tony Camarena Insurance Agency
324 Oak St – Bakersfield, CA 93304 – (661) 322-3500 – View Map
Finding the right insurer is decision based upon more than just the premium amount. Here are some questions to ask:
- Is working in the agency their full-time job?
- Do they specialize in personal lines auto insurance in Bakersfield?
- Does the agency have a good rating with the Better Business Bureau?
- If your car is in the repair shop, do you have coverage for a rental car?
- Where are claims handled?
- How long has their agency been open in Bakersfield?
- Are they able to provide referrals?
- Are they actively involved in the community?
Find cheaper rates by being thorough
Drivers leave their current company for a number of reasons such as lack of trust in their agent, extreme rates for teen drivers, questionable increases in premium and high prices. Regardless of your reason, finding a new company is not as difficult as it may seem.
A few companies may not offer the ability to get a quote online and many times these small, regional companies work with independent insurance agents. Discount Acura TL insurance can be found online as well as from independent agents in Bakersfield, so you should compare both to have the best selection.
As you restructure your insurance plan, never sacrifice coverage to reduce premiums. Too many times, drivers have reduced liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.
To read more, take a look at the resources below:
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance for Electric Cars in Bakersfield? (FAQ)
- How Much is Auto Insurance for a Toyota Corolla in Bakersfield? (FAQ)
- How Much are Car Insurance Quotes for a Hyundai Elantra in Bakersfield? (FAQ)
- Who Has Cheap Bakersfield Car Insurance for Good Students? (FAQ)
- Who Has Affordable Car Insurance for a Hyundai Sonata in Bakersfield? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Rental Reimbursement Coverage (Allstate)
- Choosing a Car for Your Teen (State Farm)