Locating the cheapest insurance for a new or used Acura TL in Hawaii can normally be an all-consuming task, but you can use our car insurance buying tips to make it easier.
There is a better way to shop for car insurance so you're going to learn the quickest way to price shop coverage for your Acura and locate the lowest possible price from Honolulu insurance agents and online providers.
A study showed that nearly 70% of consumers have stayed with the same insurance company for over three years, and nearly the majority have never even compared rates from other companies. The average driver in Honolulu can save up to $360 each year just by shopping around, but most just don't grasp the big savings they would realize if they moved their coverage to a different company.
You need to compare rates at least once a year since prices fluctuate regularly. Despite the fact that you may have had the lowest price on Acura TL insurance in Honolulu a couple years back other companies may now be cheaper. Ignore everything you know about car insurance because you're going to get a crash course in the things you must know in order to save on car insurance.
Companies offering Acura TL insurance in Honolulu
The companies shown below can provide quotes in Hawaii. If multiple companies are shown, it's highly recommended you visit several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|TL 3.5 W/Technology Package||$170||$302||$272||$16||$82||$842||$70|
|TL 3.7 SH AWD||$230||$406||$264||$16||$80||$996||$83|
|TL 3.7 SH W/Technology Package AWD||$110||$244||$248||$14||$74||$690||$58|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in specific zip code location which can revise insurance rates greatly.
Car insurance premiums by gender
The information below visualizes the comparison of Acura TL auto insurance costs for male and female drivers. The costs are based on no accidents or driving violations, comp and collision included, $500 deductibles, drivers are single, and no policy discounts are applied.
Full coverage or liability only
The illustration below examines Acura TL car insurance rates with full physical damage coverage compared to only buying liability only. The information is based on a clean driving record, no claims, $1,000 deductibles, married male driver, and no policy discounts are applied.
When to stop buying comprehensive and collision coverage
There is no set rule that is best for determining when to drop full coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of the vehicle's replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let's pretend your Acura TL book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $3,000 after paying the physical damage deductible. If you are paying over $300 a year for full coverage, then you might want to consider buying only liability coverage.
There are some scenarios where eliminating full coverage is not in your best interest. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Don't overlook these Acura TL insurance discounts
Insurance is not an enjoyable expense, but there could be available discounts to help bring down the price. Most are applied when you complete an application, but a few must be requested specifically before you will receive the discount.
- Anti-lock Brake System - Vehicles that have steering control and anti-lock brakes are much safer to drive and qualify for as much as a 10% discount.
- Save over 55 - If you're over the age of 55, you can get a small decrease in premiums.
- Driving Data Discount - Insureds who allow their company to spy on driving manner through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as the data is positive.
- Save with More Vehicles Insured - Buying coverage for several vehicles on a single policy can reduce rates for all insured vehicles.
- Bundled Policy Discount - When you have multiple policies with one company you could save as much as 10 to 15 percent.
- No Claim Discounts - Insureds with no claims or accidents can earn big discounts in comparison to accident-prone drivers.
It's important to note that some credits don't apply to the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, it's just not the way it works.
To see insurance companies who offer discounts in Hawaii, click here.
Why Smart Consumers Pay Less for Acura TL Insurance
One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that play a part in calculating the price you pay for auto insurance. If you have some idea of what determines premiums, this enables you to make decisions that can earn you lower premium levels. Lots of factors are part of the equation when you get a price on insurance. Some factors are common sense such as your driving history, but others are more transparent such as whether you are married or your vehicle rating.
The list below includes some of the major factors companies use to determine your prices.
Experienced drivers pay less - Drivers with little experience are statistically shown to be more careless behind the wheel so auto insurance rates are higher. Older, more experienced drivers are viewed as being more responsible, cost insurance companies less in claims, and usually have better credit.
Employer impacts premiums - Did you know your job can affect your rates? Occupations like fire fighters, social workers and miners tend to have higher rates than average due to intense work requirements and lots of time spent away from family. Other careers like scientists, students and performers receive lower rates.
Insurance rates for married couples - Walking down the aisle can get you a discount when buying auto insurance. Marriage may mean you are more mature and responsible and statistics show married drivers tend to have fewer serious accidents.
Lower premiums with alarm systems - Driving a car with a theft deterrent system can help lower your premiums. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop car theft and help bring rates down.
Lower premiums for cars with good safety ratings - Vehicles with good safety scores can get you lower premiums. These vehicles reduce occupant injuries and better occupant protection means your insurance company pays less which can mean better rates for you. If your Acura TL scored better than an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
Insurance loss probability for an Acura TL - Companies use data from past claims to calculate a price that offsets possible losses. Vehicles that historically have higher frequency or amount of claims will be charged more to insure.
The next table illustrates the collected loss data for Acura TL vehicles. For each coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is set at 100. Values that are 100 or less are indicative of better than average losses, while numbers that are greater than 100 indicate more frequent claims or larger claims.
Acura TL Insurance Loss Statistics
|Vehicle Make and 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
Statistics from IIHS.org for 2013-2015 Model Years
When do I need an agent's advice?
When selecting coverage online or from an agent for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else's and your insurance should unique, too. For instance, these questions might help in determining if your insurance needs could use an agent's help.
- Why do I only qualify for high-risk insurance?
- Are my company tools covered if they get stolen?
- Do I need motorclub coverage?
- Can I drive in Mexico and have coverage?
- Why am I required to get a high-risk car insurance policy?
- Is there a penalty for late payment?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Does my policy cover me if I wreck while driving under the influence?
If it's difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It's fast, free and can provide invaluable advice.
Local neighborhood insurance agents
A small number of people would rather talk to an insurance agent and that can be a great decision Agents can help you choose the best coverages and help file insurance claims. A good thing about price shopping on the web is the fact that you can find the best rates and still have an agent to talk to. Putting coverage with local insurance agents is definitely important in Honolulu.
Upon completion of this form (opens in new window), your insurance data is instantly submitted to companies in Honolulu who want to provide quotes for your coverage. There is no reason to do any legwork as quotes are delivered to you. If you wish to get a price quote for a specific company, feel free to go to their quote page and complete a quote there.
What type of Honolulu auto insurance agent is right for you?
When researching a reputable agency, there are two different types of agencies that you can select. Agents are classified as either exclusive or independent (non-exclusive). Both handle auto insurance, but it's worth mentioning why they differ because it can influence your agent selection.
Independent Agents (or Brokers)
Agents that choose to be independent do not work for one specific company and that enables them to quote your coverage with lots of companies and get you the best rates possible. If they quote lower rates, your agent can switch companies which is easy for the insured.
When comparing auto insurance rates, it's a good idea to get quotes from a few independent agents in order to compare the most rates. Most also write with companies that do not advertise much which could offer lower prices.
Listed below is a partial list of independent agents in Honolulu that can possibly get you free auto insurance rate quotes.
- First Insurance Co of Hawaii Limited
1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818 - Honolulu, HI 96818 - (808) 527-7777 - View Map
- Island Insurance Hawaii
1022 Bethel St - Honolulu, HI 96813 - (808) 643-4000 - View Map
- John H Connors Insurance
500 Ala Moana Blvd # 2303 - Honolulu, HI 96813 - (808) 534-7300 - View Map
Exclusive Insurance Agencies
Exclusive agencies have only one company to place business with such as Farmers Insurance and State Farm. Exclusive agents are unable to provide other company's prices so if the price isn't competitive there isn't much they can do. They are very knowledgeable on their products and sales techniques which helps overcome the inability to quote other rates. Some consumers prefer to purchase coverage from exclusives primarily because of the prominence of the brand rather than having low rates.
Below are exclusive agents in Honolulu willing to provide price quotes.
- Suzette Rudolf Trehern - State Farm Insurance Agent
7192 Kalanianaole Hwy g210 - Honolulu, HI 96825 - (808) 395-3434 - View Map
- Allstate Insurance: Bradley Maruyama
800 S Beretania St Ste 260 - Honolulu, HI 96813 - (808) 591-8016 - View Map
- Jef Saragena - State Farm Insurance Agent
677 Ala Moana Blvd Ste 310 - Honolulu, HI 96813 - (808) 951-0866 - View Map
Selecting an auto insurance agent should include more criteria than just a low price. These questions are important to ask:
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Is there a Errors and Omissions policy in force?
- Is the coverage adequate for your vehicle?
- Is the agent CPCU or CIC certified?
- Do they offer claims assistance after hours?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Which company do they place the most coverage with?
- Who is covered by the car insurance policy?
After receiving acceptable answers to your questions and inexpensive Acura TL insurance in Honolulu quotes, you've probably found a car insurance agent that meets the requirements to insure your vehicles. But remember, you have the power to terminate your policy whenever you choose to so never feel you're contractually obligated to any specific agency with no way out.
Don't give up on affordable premiums
We just covered some good ideas how to shop for Acura TL insurance online. The key concept to understand is the more providers you compare, the better likelihood of getting affordable Acura TL insurance quotes. Consumers may even find the best rates are with a company that doesn't do a lot of advertising. Some small companies may have significantly lower car insurance rates on certain market segments compared to the large companies like Progressive or GEICO.
Cost effective Acura TL insurance can be found online in addition to many Honolulu insurance agents, so you need to shop Honolulu auto insurance with both to have the best rate selection. Some auto insurance companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agencies.
To learn more, take a look at these articles:
- Distracted Driving (Insurance Information Institute)
- How Much is Hawaii Car Insurance for Single Moms? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Honda Civic in Hawaii? (FAQ)
- What is the Best Cheap Auto Insurance in Lahaina, HI? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- Anti-Lock Brake FAQ (iihs.org)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)