Acura TL Insurance Quotes in San Antonio

  1. Home
  2. >
  3. Popular Vehicles
  4. >
  5. Acura TL

Pretty sure you bought overpriced Acura TL insurance in San Antonio? It's quite common and many San Antonio drivers feel the same as you.

Discount Acura TL insuranceA recent study showed that most car insurance buyers have been with the same company for at least the last four years, and nearly the majority have never taken the time to shop around. The average driver in Texas could save an average of up to 70% each year by just comparing rate quotes, but most just don't grasp how much savings they would realize if they changed companies.

Due to the fact that there are so many choices for buying lower-cost insurance for an Acura TL in San Antonio, it can be hard to choose the best insurer.

Earn discounts on San Antonio car insurance

Some providers don't necessarily list every discount very clearly, so the following is a list of some of the best known and also the lesser-known credits available to you.Discount car insurance

  • Life Insurance - Larger insurance companies have a break if you buy a life insurance policy as well.
  • E-sign Discounts - Some companies provide a small discount just for signing your application online.
  • Own a Home and Save - Owning a house in San Antonio can earn you a little savings since home ownership requires a higher level of personal finance.
  • ABS Brakes - Cars and trucks with ABS braking systems or traction control are safer to drive so you can save 10 percent or more.
  • Accident Free - Good drivers with no accidents can earn big discounts in comparison with insureds who have frequent claims or accidents.
  • Theft Prevention Discount - Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • No Charge for an Accident - This one is not really a discount per se, but some companies like GEICO, State Farm, and Progressive permit an accident without raising rates if your claims history is clear before the accident.
  • Good Grades Discount - Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.

As a footnote on discounts, many deductions do not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, nobody gets a free ride.

The example below shows the comparison of Acura TL insurance rates with and without discounts applied to the policy premium. The data is based on a male driver, no violations or claims, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, claim-free, multi-car, and safe-driver discounts applied.

If you would like to view insurance companies with the best discounts in San Antonio, follow this link.

The cheapest San Antonio Acura TL insurance price quotes

When price shopping your coverage, having more price comparisons provides better odds of finding the best offered rates. Some regional insurers cannot provide online San Antonio TL insurance quotes, so you need to compare price estimates from the smaller companies as well.

The companies in the list below have been selected to offer quotes in San Antonio, TX. If more than one company is shown, it's a good idea that you visit two to three different companies in order to get a fair rate comparison.

Coverage statistics and figures

The rate table displayed next outlines different prices for Acura TL models. Learning more about how car insurance premiums are calculated can help customers make informed purchases.

Acura TL Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $176 $360 $400 $24 $120 $1,080 $90
TL 3.5 W/Technology Package $176 $360 $400 $24 $120 $1,080 $90
TL 3.7 SH AWD $176 $360 $400 $24 $120 $1,080 $90
TL 3.7 SH W/Technology Package AWD $176 $414 $400 $24 $120 $1,134 $95
Get Your Own Custom Quote Go

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price estimates do not factor in vehicle location which can influence price quotes considerably.

Higher deductibles lower rates

One of the more difficult decisions when buying car insurance is where should you set your physical damage deductibles. The following tables help summarize the differences in price of buying low and high deductibles. The first rate table uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Acura TL insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $332 $584 $382 $22 $114 $1,459 $122
TL 3.5 W/Technology Package $332 $584 $382 $22 $114 $1,459 $122
TL 3.7 SH AWD $332 $584 $382 $22 $114 $1,459 $122
TL 3.7 SH W/Technology Package AWD $332 $672 $382 $22 $114 $1,547 $129
Get Your Own Custom Quote Go
Acura TL insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TL 3.5 $206 $368 $382 $22 $114 $1,092 $91
TL 3.5 W/Technology Package $206 $368 $382 $22 $114 $1,092 $91
TL 3.7 SH AWD $206 $368 $382 $22 $114 $1,092 $91
TL 3.7 SH W/Technology Package AWD $206 $424 $382 $22 $114 $1,148 $96
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Prices do not factor in garaging location in San Antonio which can increase or decrease premium rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $32 more each month or $384 a year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 23 months between claim filings, you would save money going with the higher deductible. Below is the way you can do this calculation yourself.

Average monthly premium for $250 deductibles: $124
Average monthly premium for $1,000 deductibles (subtract): - $92
Monthly savings from raising deductible: $32
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One big caveat is that a higher deductible means you will have to pay more out-of-pocket when you do file a claim. You need to make sure you have enough disposable savings in order to pay the higher deductible in order to repair your vehicle.

Male drivers compared to female drivers

The diagram below illustrates the difference between Acura TL insurance costs for male and female drivers. The information is based on no violations or claims, full coverage, $250 deductibles, drivers are single, and no policy discounts are applied.

Acura TL full coverage rates compared to liability only

The chart below compares Acura TL auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no violations or claims, $250 deductibles, drivers are not married, and no discounts are applied.

Guidelines for eliminating full coverage

There is no clear-cut rule of when to exclude full coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let's pretend your Acura TL settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $3,000 after the policy deductible has been paid. If you are paying more than $300 annually to have full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where dropping physical damage coverage is not in your best interest. If you haven't paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Local San Antonio insurance agencies

Many people prefer to buy from a licensed agent and that is not a bad decision A nice benefit of comparing car insurance online is that you can obtain cheap rate quotes but still work with a licensed agent.

Insurance agency in San AntonioUpon completion of this form (opens in new window), your insurance coverage information is instantly submitted to companies in San Antonio who can give free rate quotes for your car insurance coverage. It simplifies rate comparisons since you won't have to contact an agency since rate quotes are delivered to you instantly. You can find better rates without having to waste a lot of time. If you want to quote rates from a specific company, just search and find their rate quote page and give them your coverage information.

Finding a good company requires you to look at more than just the price. Below are some questions you should ask.

  • How often do they review coverages?
  • Does the agent have a valid license to sell insurance in Texas?
  • How does the company pay claims for a total loss?
  • Will you work with the agent or an assistant?
  • Do they regularly work with personal auto policies in San Antonio?

Two types of car insurance agents

If you need to find a reliable agent, it's helpful to know the different types of agencies and how they are slightly different. Car insurance policy providers are categorized either independent or exclusive.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only provide pricing for a single company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot compare rates from other companies so you might not find the best rates. They receive a lot of sales training on what they offer and that allows them to sell at a higher price point.

Below is a short list of exclusive insurance agents in San Antonio that are able to give comparison quotes.


10103 TX-1604 Loop #102 - San Antonio, TX 78254 - (210) 688-7707 - View Map


8015 Bandera Rd #102 - San Antonio, TX 78250 - (210) 680-6557 - View Map


105 Renner Dr - San Antonio, TX 78201 - (210) 732-9219 - View Map

View more San Antonio agents

Independent Car Insurance Agencies

Agents that elect to be independent are not employed by one company so they can insure your vehicles through many different car insurance companies and find the cheapest car insurance rates. If prices rise, they simply switch companies in-house which is easy for the insured.

When shopping rates, you absolutely need to contact several independent insurance agents so that you can do a thorough price comparison.

Below are San Antonio independent insurance agents who can help you get comparison quotes.


1100 NE Interstate 410 Loop - San Antonio, TX 78209 - (210) 822-2590 - View Map

Garcia Insurance Agency
1255 SW Military Dr - San Antonio, TX 78221 - (210) 593-8935 - View Map


7330 San Pedro Ave #150 - San Antonio, TX 78216 - (210) 738-3537 - View Map

View more San Antonio agents

Be persistent and save

Budget-friendly auto insurance in San Antonio can be sourced from both online companies and from local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies don't offer rates over the internet and these small insurance companies prefer to sell through independent agents.

When you buy San Antonio car insurance online, it's very important that you do not sacrifice coverage to reduce premiums. In many cases, someone sacrificed liability coverage limits only to discover later they didn't purchase enough coverage. The goal is to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.

For more information, take a look at the following helpful articles: