Consumers have options when looking for low-cost Acura TSX insurance. They can either spend hours contacting agents to compare prices or leverage the internet to get rate quotes. There is a right way and a wrong way to compare car insurance rates so you’re going to learn the quickest way to quote coverages for a Acura and get the lowest price.
There are a variety of methods to compare car insurance prices but some are less time-consuming than others. You could spend the better part of a day driving to local insurance agents in your area, or you can stay home and use the internet for quick rates.
Most of the best insurance companies belong to a marketplace where prospective buyers submit one quote, and every company returns a competitive quote determined by their information. This system prevents you from having to do quote requests to each company.
To compare rates now click here (opens in new window).
The one disadvantage to comparing rates this way is that consumers can’t choose the companies to receive prices from. So if you prefer to pick individual companies to receive pricing from, we put together a list of companies who write car insurance in your area. Click here to view list.
However you get your quotes, do your best to enter identical coverage data on every quote you get. If you have different values for each quote it will be impossible to determine the lowest rate for your Acura TSX.
Discount car insurance rates
Companies do not advertise the entire discount list very well, so the next list breaks down both the well known as well as the least known car insurance savings.
- E-sign Discounts
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school.
- Discount for New Cars – Buying insurance coverage on a new vehicle can save up to 30% because new vehicles keep occupants safer.
- Student Discounts – A discount for being a good student may save as much as 25% on a . You can use this discount normally well after school through age 25.
- Early Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you may reduce your total bill.
- Low Mileage Discounts – Keeping the miles down on your Acura may allow you to get discounted rates on garaged vehicles.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks off PIP or medical payments premium.
A quick disclaimer, most credits do not apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, you’re out of luck.
If you would like to choose from a list of providers that can offer you the previously mentioned discounts, click here to view.
Learn How to Get Car Insurance at a Discount
Lots of things are part of the calculation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but others are not quite as obvious like your continuous coverage and annual miles driven.
Listed below are some of the factors used by companies to determine rates.
- Decrease premiums by maintaining coverage – Driving without insurance can get your license suspended and you will pay a penalty because you let your insurance coverage expire. And not only will insurance be more expensive, being ticketed for driving with no insurance will get you fines or a revoked license. You may then have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
- Be proud to be claim-free – If you are the type of insured that files lots of claims don’t be surprised to see either a policy non-renewal or much higher rates. Auto insurance companies give the best rates to policyholders who are not frequent claim filers. Insurance coverage is meant to be used in the event of larger claims.
- Vehicles with better crash test results cost less to insure – Safe vehicles cost less to insure. Highly rated vehicles protect occupants better and fewer serious injuries translates directly to fewer claims and cheaper rates on your policy.
- Add-on coverages push up prices – Insurance companies have many extra add-on coverages that may not really be needed if you aren’t careful. Things like roadside assistance, towing, and motor club memberships may not be needed and are just wasting money. You may think they are a good idea when talking to your agent, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
- Single drivers may get higher prices – Having a significant other may cut your premiums when buying car insurance. Marriage may mean you are more responsible and statistics prove married drivers tend to file fewer claims.
- Defend yourself with liability protection – The liability section of your policy provides coverage if ever a jury decides you are liable for damages caused by your negligence. Liability provides for a legal defense to attempt to prove you were not liable. Liability is cheap compared to comp and collision, so buy as much as you can afford.
Drivers who switch save $416 a year? Really?
Consumers can’t get away from ads that promise big savings from companies such as GEICO, State Farm and Progressive. They all convey the message that people will save after switching your coverage to them.
How can each company offer you a better deal? Here is the trick they use.
Insurance providers quote the lowest rates for the type of customer that makes them money. A good example of a profitable insured could possibly be between the ages of 30 and 45, owns a home, and drives a vehicle with a low ISO rating. Anyone that fits those parameters is entitled to the best price and will probably save if they switch.
People who may not quite match the ideal profile may be forced to pay higher rates which translates to the customer not purchasing. The ads state “drivers who switch” not “everyone that quotes” can save as much as they claim. That’s the way companies can make those statements. Because of the profiling, you need to compare price quotes frequently. It’s just not possible to know which company will have the best rates for your profile.
Buy online or local, you save
People change insurance companies for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, policy non-renewal or even poor customer service. It doesn’t matter why you want to switch finding a great new company is not as hard as you think.
More affordable car insurance is possible online and from local insurance agents, so you need to with both to have the best selection. Some car insurance companies do not provide rates over the internet and usually these smaller providers work with local independent agents.
While you’re price shopping online, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where someone sacrificed liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.
