Compare Acura TSX Insurance Rates in Los Angeles

Want to learn the secrets to finding low-cost Acura TSX insurance in Los Angeles? Finding cheaper insurance for an Acura TSX in California can turn out to be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to buy car insurance and we’ll show you the proper way to quote coverages for a new or used Acura and obtain the best price possible from both online companies and Los Angeles agents.

Discount Acura TSX insuranceAstonishing but true according to a recent study, about 70% of customers kept their policy with the same company for more than four years, and almost 40% of drivers have never compared rates with other companies. U.S. drivers could save an average of almost $850 each year just by comparing rates, but they just don’t understand how easy it is to find cheaper car insurance rates.

Consumers should take time to compare premium rates before your policy renews because insurance rates change quite often. If you had the best rate on Acura TSX insurance in Los Angeles at your last renewal you can probably find a lower rate today. Block out anything you think you know about car insurance because you’re going to get a crash course in one of the easiest ways to save on car insurance.

If you are insured now or just want to reduce your rates, you will benefit by learning to find better prices while maximizing coverage. Pricing the lowest-priced insurance policy in Los Angeles is quite easy. Shoppers just have to use how to get comparison rates on the web.

Cheap companies for Acura TSX insurance in California

The auto insurance companies shown below can provide quotes in California. If more than one company is shown, we suggest you visit two to three different companies in order to find the most affordable rates.

Coverage statistics and figures

The rate table below outlines estimates of insurance prices for Acura TSX models. Having a better understanding of how rate quotes are calculated can help customers make informed purchases.

Acura TSX Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $314 $546 $376 $22 $112 $1,370 $114
TSX Technology Package $314 $546 $376 $22 $112 $1,370 $114
Get Your Own Customized Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rates do not factor in garaging location in Los Angeles which can revise auto insurance rates noticeably.

Comparison of policy deductibles

A question often asked by Los Angeles drivers is at what level do you set your deductibles. The comparisons below may aid in understanding the differences in price when you buy lower versus higher physical damage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Acura TSX insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $430 $810 $376 $22 $112 $1,775 $148
TSX Technology Package $430 $810 $376 $22 $112 $1,775 $148
Get Your Own Customized Quote Go

Acura TSX insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $314 $546 $376 $22 $112 $1,370 $114
TSX Technology Package $314 $546 $376 $22 $112 $1,370 $114
Get Your Own Customized Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can alter insurance rates considerably.

We can estimate from the data above that using a $100 deductible could cost the average driver approximately $34 more each month or $408 a year averaged for all TSX models than choosing the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go at least 12 months between claim filings, you would probably come out ahead if you choose a higher deductible. The numbers below show the way you can do this calculation yourself.

Average monthly premium for $100 deductibles: $148
Average monthly premium for $500 deductibles (subtract): – $114
Monthly savings from raising deductible: $34
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 12 months

One important issue to know is that raising deductibles to get cheaper rates means you pay more out-of-pocket when you file a claim. That will necessitate some non-essential savings in order to pay more to get your vehicle repaired.

The illustration below demonstrates how deductibles and can influence Acura TSX insurance prices for different age groups of insureds. The costs are based on a married female driver, full physical damage coverage, and no policy discounts are applied.

Rate increases following a ticket or accident

The chart below demonstrates how citations and fender-benders can affect Acura TSX auto insurance costs for different age groups. The price estimates are based on a single male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

Rate comparison of men versus women

The diagram below shows the comparison of Acura TSX annual premium costs for male and female drivers. The data is based on no accidents, no driving violations, full coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

Acura TSX liability rates compared to full coverage

The diagram below visualizes the comparison of Acura TSX insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on a clean driving record, no at-fault accidents, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Guidelines for eliminating full coverage

There is no definitive rule to exclude comp and collision coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s pretend your Acura TSX book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $2,000 after the deductible is paid. If it’s costing you more than $200 a year for full coverage, then you might consider buying liability only.

There are a few situations where dropping physical damage coverage is not a good idea. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Los Angeles auto insurance discounts

The price of auto insurance can be rather high, but there could be available discounts that many people don’t even know exist. Certain reductions will be credited at the time you complete a quote, but some may not be applied and must be inquired about before you get the savings.

While discounts sound great, it’s important to understand that most credits do not apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. Just because you may think you would end up receiving a 100% discount, you aren’t that lucky.

The illustration below shows the comparison of Acura TSX premium costs with and without discounts applied to the policy rates. The price estimates are based on a female driver, no claims, a clean driving record, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-car, multi-policy, and homeowner discounts applied.

For a list of insurance companies that offer some of these discounts in California, click here.

Compare rates but still have a local Los Angeles insurance agency

Some consumers would prefer to sit down with an agent and that is recommended in a lot of cases Most agents are trained risk managers and help in the event of a claim. One of the great benefits of price shopping on the web is that drivers can save money and get cheap car insurance rates and still choose a local agent.

Insurance agents in Los AngelesOnce you complete this form (opens in new window), your insurance data is sent to insurance agents in Los Angeles who will give competitive quotes for your insurance coverage. You don’t have to contact any agents due to the fact that quote results will go directly to your email. If you have a need to compare prices for a specific company, you would need to navigate to their website and fill out the quote form the provide.

Picking the best company requires you to look at more than just the price. Agents should be asked these questions:

How to choose the best car insurance agent in Los Angeles

If you are wanting to purchase car insurance from a local insurance agency, you must know there are a couple different types of agencies that differ in how they can insure your vehicles. Car insurance agencies can be classified as either exclusive agents or independent agents. Either can do a good job, but it’s worth mentioning why they differ since it can impact buying decisions.

Exclusive Insurance Agencies

Exclusive insurance agents can only place business with one company and examples are Farmers Insurance, State Farm, or Allstate. These agents are unable to compare other company’s rates so they really need to provide good service. Exclusive agents are well trained on sales techniques which helps them compete with independent agents. Many people use the same exclusive agent mainly due to high brand loyalty rather than low rates.

Below are Los Angeles exclusive agencies that are able to give comparison quotes.

More Los Angeles agents

Independent Car Insurance Agents

These agents do not sell for just one brand and that is an advantage because they can write policies with any number of different companies and possibly get better coverage at lower prices. If prices rise, your agent can switch companies and you don’t have to find a new agent. When comparing car insurance prices, we recommend you compare prices from several independent insurance agents to maximize your price options. Many write coverage with smaller regional carriers which could offer lower prices.

Listed below is a short list of independent agencies in Los Angeles that can give you comparison quotes.

More Los Angeles agents

Don’t give up on cheap rates

You just read a lot of tips how to shop for Acura TSX insurance online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding cheaper Los Angeles car insurance quotes. Drivers may even discover the best price on insurance is with some of the smallest insurance companies.

When trying to cut insurance costs, it’s very important that you do not buy poor coverage just to save money. In too many instances, drivers have reduced liability coverage limits only to regret at claim time that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at the lowest possible cost, but do not skimp to save money.

Lower-priced insurance in Los Angeles can be found online as well as from independent agents in Los Angeles, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who don’t offer rates over the internet and these regional insurance providers only sell coverage through independent agencies.

Additional detailed information is located in the articles below: