Locating better insurance prices for an Acura TLX in Pennsylvania can normally be a lot of work, but you can learn these tips and make it easy.
There are more efficient ways to find insurance online so you're going to learn the absolute fastest way to get price quotes for a Acura and get the lowest possible price from both online companies and Philadelphia agents.
Finding quotes for more affordable policy in Philadelphia is easy if you know what you're doing. If you have insurance now or need a new policy, follow these tips to find better prices and still have adequate protection. Drivers just need to know the quickest way to get comparison rates online.
The method we recommend to compare rate quotes for Acura TLX insurance in Philadelphia is to understand car insurance companies will pay a fee to give free rates quotes. To get started, all you need to do is provide information including how old drivers are, level of coverage desired, whether you drive to work or school, and your education level. That rating information is sent automatically to many different companies and they return rate quotes instantly.
To start a rate quote now, click here and complete the form.
The following companies offer comparison quotes in Pennsylvania. If the list has multiple companies, we recommend you click on several of them to find the most affordable car insurance rates.
Why you need quality insurance for your vehicle
Despite the high cost of buying insurance for a Acura TLX in Philadelphia, maintaining insurance is most likely required but also gives you several important benefits.
First, just about all states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability in order to drive the car legally. In Pennsylvania 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 lien on your TLX, most lenders will make it mandatory that you have full coverage to protect their interest in the vehicle. If you default on your policy, the lender will be forced to insure your Acura at a much higher rate and require you to pay the higher premium.
Third, auto insurance protects both your Acura TLX and your assets. Insurance will also pay for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability insurance also pays for attorney fees and expenses if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of having insurance more than cancel out the cost, especially for larger claims. On average, a vehicle owner in Philadelphia is overpaying over $850 per year so you should quote and compare rates at least once a year to save money.
Do you qualify for these nine discounts?
Car insurance is easily one of your largest bills, but you may find discounts that can help lower your rates. Some discounts will apply when you get a quote, but a few must be requested specifically prior to receiving the credit.
- Paperless Signup - A few larger companies will give you a small discount for signing up on the web.
- College Student - Any of your kids who attend college more than 100 miles from Philadelphia and do not have access to a covered vehicle may qualify for this discount.
- Driver's Ed - Have your child complete a driver education course if it's offered in school.
- Drive Safe and Save - Accident-free drivers may save up to 50% more as compared to drivers with claims.
- Claim Free - Drivers with accident-free driving histories pay less as compared to policyholders that have many claims.
- Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems can get savings of more than 20%.
- Anti-theft Discount - Cars and trucks that have factory anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
- Multiple Vehicles - Purchasing coverage when you have primary and secondary vehicles on one policy can get a discount for every vehicle.
- Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase some life insurance in addition to your auto policy.
While discounts sound great, it's important to understand that some of the credits will not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, companies don't profit that way.
To see a list of providers that offer multiple discounts in Philadelphia, click this link.
Are insurance agents used anymore?
Many drivers prefer to get advice from a local agent and we recommend doing that Insurance agents are highly skilled in risk management and help you file claims. One of the best bonuses of comparing insurance prices online is that drivers can save money and get lower premium rates and still have an agent to talk to. Buying from and supporting neighborhood agents is important particularly in Philadelphia.
To find an agent, once you fill out this form (opens in new window), your information is immediately sent to participating agents in Philadelphia who will gladly provide quotes for your insurance coverage. You won't even need to visit any agencies because prices are sent straight to your inbox. If you wish to quote rates from a specific company, feel free to jump over to their website and give them your coverage information.
Exclusive and independent Philadelphia auto insurance agents
When narrowing the list to find a local agent, you must know there are a couple types of agencies to choose from. Philadelphia agents can either be independent or exclusive depending on the company they work for. Both types can insure your vehicles, but it is a good idea to know why they differ since it may influence the type of agent you choose.
Independent Insurance Agents (or Brokers)
Agents that elect to be independent can quote rates with many companies so they can quote policies with multiple insurance companies and find the cheapest insurance rates. If you want to switch companies, your agent can just switch to a different company which requires no work on your part.
If you are comparing insurance prices, it's recommended you get several quotes from at a minimum one independent agency to have the best price comparison. Most have the option of insuring with smaller mutual companies which may provide better rates.
Shown below are Philadelphia independent insurance agencies that may be able to give you free insurance quotes.
- Burg Insurance
2707 Kirkbride St - Philadelphia, PA 19137 - (215) 744-4100 - View Map
- The Perzel Agency, Inc.
7338 Frankford Ave - Philadelphia, PA 19136 - (215) 335-6878 - View Map
- Kowalewski Jawork Insurance Agency Inc
706 S 5th St - Philadelphia, PA 19147 - (215) 922-1222 - View Map
Agents that choose to be exclusive can usually just insure with one company like American Family, State Farm, and Allstate. Exclusive agencies are unable to provide other company's prices so they have to upsell other benefits. These agents are well schooled on the products they sell which helps offset the inability to provide other markets. Consumers often buy from the same agent for years mainly due to the brand rather than low rates.
Shown below are exclusive insurance agencies in Philadelphia that can give you comparison quotes.
- Steven Breinlinger - State Farm Insurance Agent
7904 Germantown Ave - Philadelphia, PA 19118 - (267) 323-2923 - View Map
- George Kweder - State Farm Insurance Agent
1521 W Oregon Ave - Philadelphia, PA 19145 - (215) 467-1837 - View Map
- Craig Alleyne - State Farm Insurance Agent
6335 Wayne Avenue - Philadelphia, PA 19144 - (215) 438-8440 - View Map
Picking a auto insurance agent requires you to look at more than just the quoted price. Any agent in Philadelphia should be willing to answer these questions.
- How often do they review coverages?
- Can they provide you with a list of referrals?
- How will an accident affect your rates?
- Is the agent properly licensed in Pennsylvania?
- What are their preferred companies if they are an independent agency?
- Are they full-time agents?
- How long have they worked with personal auto insurance coverage?
- Do they have cheaper tiers of coverage?
Auto insurance coverage options for an Acura TLX
Having a good grasp of your policy can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring.
Auto liability insurance
This coverage can cover damage or injury you incur to other's property or people that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 15/30/5 that translate to $15,000 in coverage for each person's injuries, a per accident bodily injury limit of $30,000, and $5,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.
Liability insurance covers claims like loss of income, court costs, attorney fees, medical services and repair bills for other people's vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it's cheap coverage so purchase as large an amount as possible. Pennsylvania requires drivers to carry at least 15/30/5 but you should consider buying higher limits.
The next chart shows why buying the state minimum limits may not be adequate coverage.
Medical expense insurance
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like funeral costs, ambulance fees, doctor visits and pain medications. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible
Comprehensive (Other than Collision)
This pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like rock chips in glass, damage from a tornado or hurricane and theft. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
This coverage pays for damage to your TLX resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like scraping a guard rail, colliding with another moving vehicle, rolling your car and colliding with a tree. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible on your TLX to save money on collision insurance.
Protection from uninsured/underinsured drivers
This protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Acura TLX.
Since many Pennsylvania drivers only carry the minimum required liability limits (15/30/5), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are set the same as your liability limits.
Shop around and save
Consumers leave their current company for a variety of reasons including lack of trust in their agent, policy cancellation, delays in responding to claim requests or even denial of a claim. It doesn't matter what your reason, finding a new company can be pretty painless.
Some insurance companies may not have the ability to get quotes online and many times these smaller companies work with independent agents. Lower-priced insurance in Philadelphia is attainable from both online companies as well as from independent agents in Philadelphia, and you need to comparison shop both in order to have the best price selection to choose from.
When searching for affordable Acura TLX insurance quotes, do not reduce coverage to reduce premium. There are a lot of situations where someone sacrificed full coverage only to find out that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at the lowest possible cost, not the least amount of coverage.
For more information, take a look at the resources below:
- Side Impact Crash Tests (iihs.org)
- Who Has the Cheapest Philadelphia Auto Insurance for Unemployed Drivers? (FAQ)
- Who Has Cheap Philadelphia Car Insurance Quotes for Drivers Under 21? (FAQ)
- Who Has Cheap Auto Insurance for a School Permit in Philadelphia? (FAQ)
- Who Has Affordable Car Insurance Quotes for Drivers Over Age 70 in Philadelphia? (FAQ)
- How Much is Philadelphia Auto Insurance for Seniors? (FAQ)
- Collision Coverage (Liberty Mutual)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)