Find Affordable Acura TSX Insurance in Tucson

Insurance quote for Acura TSX in TucsonIt’s amazing but the vast majority of consumers renewed their policy with the same company for a minimum of four years, and nearly the majority have never quoted car insurance rates at all. With the average premium in the United States being $1,847, drivers could cut their rates by almost 46.5% a year by just shopping around, but most undervalue the rate savings if they replace their high priced policy.

It takes a little time, but the best way to find cheaper quotes for Acura TSX insurance is to annually compare prices from insurance carriers in Tucson.

First, learn about what coverages are included in your policy and the things you can change to prevent rate increases. Many policy risk factors that are responsible for high rates like multiple speeding tickets and a not-so-good credit rating can be improved by making small lifestyle or driving habit changes.

Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from one company like GEICO or Allstate, while independent agencies can quote rates for many different companies. Compare rates

Third, compare the new quotes to your existing rates to determine if switching companies saves money. If you can save money and make a switch, make sure coverage is continuous and does not lapse.

Fourth, tell your current company to cancel the current policy. Submit any necessary down payment along with the completed application to your new carrier. As soon as you can, put the new proof of insurance certificate in an accessible location in your vehicle.

One bit of advice is to try to use the same coverage limits and deductibles on every quote request and and to get quotes from all possible companies. Doing this guarantees a fair price comparison and maximum price selection.

Analysis of coverages

The table shown below showcases different insurance costs for Acura TSX models. Having insight into how rate quotes are determined can help guide drivers when making decisions on which coverage to buy.

Acura TSX Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $156 $284 $260 $16 $78 $794 $66
TSX Technology Package $156 $284 $260 $16 $78 $794 $66
Get Your Own Custom Quote Go

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Information does not factor in specific garaging location which can raise or lower premiums substantially.

Analysis of deductible levels

One of the more difficult decisions when buying insurance is how high or low should comp and collision deductibles be. The data tables below outline the rate fluctuation between high and low deductibles. The first rate comparisons uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.

Acura TSX insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $292 $548 $254 $16 $76 $1,211 $101
TSX Technology Package $292 $548 $254 $16 $76 $1,211 $101
Get Your Own Custom Quote Go

Acura TSX insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $162 $290 $254 $16 $76 $798 $67
TSX Technology Package $162 $290 $254 $16 $76 $798 $67
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rate information does not factor in specific location which can raise or lower auto insurance rates considerably.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $34 more each month or $408 each year averaged for all TSX models than quoting the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 26 months between claim filings, you would probably save some money if you choose a higher deductible.

The chart below shows how choosing a deductible and can change Acura TSX premium costs for each age group. The data assumes a married male driver, full physical damage coverage, and no additional discounts are factored in.

Does full coverage make sense?

The information below shows the comparison of Acura TSX annual premium costs when comparing full coverage to state minimum liability only. The rates are based on no claims or violations, $1,000 deductibles, marital status is single, and no other discounts are factored in.

Should you buy full coverage or liability only?

There is no definitive guideline for eliminating comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s assume your Acura TSX replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $3,000 after paying the physical damage deductible. If it’s costing you more than $300 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are a few cases where dropping full coverage is not in your best interest. If you still have a lienholder on your title, you must maintain physical damage 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 in place.

Why Informed Consumers Pay Less for Acura TSX Insurance

Many things are used in the calculation when premium rates are determined. Most are fairly basic such as your driving record, but other criteria are not as apparent like your vehicle usage or your financial responsibility.

Which car insurance company is best in Arizona?

Selecting the top insurer can be rather challenging considering how many companies provide coverage in Tucson. The ranking information in the lists below can help you decide which coverage providers to look at comparing rates with.

Top 10 Tucson Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

Top 10 Tucson Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. Mercury Insurance
  7. AAA Insurance
  8. State Farm
  9. Nationwide
  10. Safeco

Affordable car insurance premiums are out there

Lower-priced Acura TSX insurance in Tucson is attainable both online in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture. Some companies don’t offer online price quotes and usually these smaller providers sell through local independent agencies.

As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice collision coverage only to regret at claim time that it was a big error on their part. The proper strategy is to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.

Much more information about car insurance in Arizona is available at these links: