Compare Acura TSX Insurance Quotes in Plano

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Discount Acura TSX insuranceWant to learn how to save money and find cheaper auto insurance rates in Plano, TX? Plano consumers have lots of choices when looking for the best price on Acura TSX insurance. You can either spend your time driving around to compare prices or save time using the internet to find the lowest rates. There is a right way and a wrong way to find auto insurance online so you're going to learn the absolute fastest way to price shop coverage for your Acura and locate the lowest possible price.

It's a great practice to get comparison quotes quite often because auto insurance prices change regularly. Even if you got the best price on Acura TSX insurance in Plano a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because we're going to show you how to quote online to lower your annual insurance bill.

The following companies are ready to provide price quotes in Texas. To buy the cheapest car insurance in Texas, we recommend you compare several of them to get a more complete price comparison.

Do you qualify for discounts on Acura TSX insurance in Plano?

Insurance is expensive, but you can get discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be specially asked for prior to receiving the credit. If you're not getting every credit you deserve, you could be paying more than you need to.Cheaper insurance with discounts

  • Paperwork-free - A handful of companies give back up to $50 for buying your policy on the internet.
  • Multiple Cars - Purchasing coverage when you have primary and secondary vehicles with the same insurance company may reduce the rate for each vehicle.
  • Driver's Education for Students - Have your child successfully take a driver's education course if offered at their school.
  • First Accident Forgiveness - This one isn't a discount, but a few companies such as GEICO, Progressive, and Allstate permit an accident before hitting you with a surcharge if you are claim-free before the accident.
  • ABS and Traction Control Discounts - Cars with anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.

Policy discounts save money, but most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you won't be that lucky.

The illustration below shows the difference between Acura TSX insurance costs with and without discounts applied to the policy premium. The premiums are based on a male driver, no claims or driving violations, Texas 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, multi-car, safe-driver, homeowner, and multi-policy discounts applied.

Popular insurance companies and some of their more popular discounts are outlined below.

  • Progressive discounts include homeowner, multi-vehicle, good student, online signing, continuous coverage, and multi-policy.
  • AAA offers premium reductions for pay-in-full, good student, good driver, anti-theft, multi-policy, and education and occupation.
  • Farmers Insurance may offer discounts for youthful driver, teen driver, electronic funds transfer, switch companies, and distant student.
  • GEICO may have discounts that include seat belt use, multi-policy, emergency military deployment, military active duty, and five-year accident-free.
  • Esurance offers discounts for claim free, anti-lock brakes, good student, multi-car, multi-policy, safety device, and DriveSense.
  • SAFECO has discounts for anti-theft, anti-lock brakes, safe driver, homeowner, teen safety rewards, accident prevention training, and multi-car.
  • State Farm may include discounts for good student, defensive driving training, anti-theft, multiple autos, and Drive Safe & Save.

When getting a coverage quote, ask all companies you are considering which credits you are entitled to. All car insurance discounts might not be offered in Plano. To choose insurance companies who offer insurance discounts in Texas, click here to view.

Rates and other information

The price information shown below covers different rate quotes for Acura TSX models. Understanding more about how rates are formulated can benefit drivers when making informed decisions when shopping around for a new policy.

Acura TSX Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $260 $532 $422 $24 $126 $1,364 $114
TSX Technology Package $260 $532 $422 $24 $126 $1,364 $114
Get Your Own Custom Quote Go

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rate quotes do not factor in specific location which can change prices considerably.

Higher deductibles save money

One frequently asked question is how high should the physical damage coverage deductibles be. The following insurance rates show the rate difference between low and high physical damage deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Acura TSX insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $370 $698 $324 $20 $96 $1,533 $128
TSX Technology Package $370 $698 $324 $20 $96 $1,533 $128
Get Your Own Custom Quote Go
Acura TSX insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $206 $368 $324 $20 $96 $1,014 $85
TSX Technology Package $206 $368 $324 $20 $96 $1,014 $85
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rates do not factor in Plano location which can impact premium rates greatly.

Based on the above data, using a $100 deductible costs roughly $43 more each month or $516 every year across all Acura TSX models than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at least 21 months between claims, you would save more money by selecting a higher deductible. The table below shows how you can make your own decision.

Average monthly premium for $100 deductibles: $128
Average monthly premium for $1,000 deductibles (subtract): - $85
Monthly savings from raising deductible: $43
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $43
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

An important sidenote is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you have a comprehensive or collision claim. You need to have some savings in the event you have to pay the deductible.

The information below shows how choosing a deductible and can increase or decrease Acura TSX yearly insurance costs for different ages of insureds. The price estimates are based on a married female driver, full coverage, and no discounts are taken into consideration.

Gender-based car insurance rates by age

The illustration below compares Acura TSX insurance premiums for male and female drivers. The price estimates are based on no driving violations, no at-fault accidents, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

What Affects Acura TSX Insurance Premiums?

Part of the insurance buying process is learning the different types of things that play a part in calculating the rates you pay for insurance. If you know what influences your rates, this allows you to make good choices that could help you find cheaper rates.

The list below includes some of the items used by companies to determine your premiums.

  • Certain employers pay higher premiums - Did you know your job can affect your rates? Occupational choices like real estate brokers, business owners, and miners have higher premium rates in part from stressful work requirements and long work hours. Conversely, professions such as scientists, engineers and performers have the lowest average rates.
  • Teenagers vs. older drivers - Older people tend to be more responsible, tend to file fewer claims, and are safer drivers. Teen drivers are proven to be more careless when behind the wheel so insurance rates are higher.

    The data below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

  • Lower performance equals lower insurance premiums - The performance of the car you need insurance for makes a huge difference in determining your rates. Lower cost passenger vehicles normally have pretty low rates, but your final cost has many other factors.

    The next chart uses these variables: married female driver age 50, full coverage with $250 deductibles, and no discounts or violations. It compares Acura TSX insurance rates compared to other models of vehicles that have a range of performance risks.

  • File insurance claims and pay more - If you file a lot of claims you can definitely plan on much higher rates or policy non-renewal. Car insurance companies in Texas give cheaper rates to insureds who are claim-free. Auto insurance is designed for the bigger claims that can't be paid out-of-pocket.
  • Use credit responsibly and save - Your credit rating will be a significant factor in calculating your premium rate. Insureds that have high credit scores tend to file fewer claims and have better driving records than those with lower ratings. So if your credit is low, you could potentially save money when insuring your Acura TSX by repairing your credit.

Local Plano auto insurance agents and car insurance

Certain consumers would prefer to visit with an insurance agent and that is a personal choice. Good insurance agents can help you choose the best coverages and help in the event of a claim. An additional benefit of comparing rate quotes online is the fact that you can find cheaper premium rates but still work with a licensed agent.

Insurance agents in PlanoTo find an agent, once you fill out this short form, your coverage information is instantly submitted to participating agents in Plano who will return price quotes for your business. It makes it easy because there is no need to leave your computer since rate quotes are delivered immediately to you. If you want to get a price quote from one company in particular, don't hesitate to find their quoting web page and complete a quote there.

Picking a insurer should depend on more than just the premium amount. Ask your prospective agent these questions:

  • Is auto insurance their primary focus in Plano?
  • How does the company pay claims for a total loss?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Will they make sure you get an adequate claim settlement?
  • Is the agency active in community causes in Plano?
  • Where are claims handled?

Plano car insurance company ratings

Insuring your vehicle with the top car insurance company is hard considering how many companies there are in Plano. The rank data shown below may help you decide which car insurance companies to look at purchasing from.

Top 10 Plano Car Insurance Companies Ranked by Customer Service

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

Top 10 Plano Car Insurance Companies by A.M. Best Rank

  1. Travelers - A++
  2. USAA - A++
  3. GEICO - A++
  4. State Farm - A++
  5. Titan Insurance - A+
  6. Esurance - A+
  7. Progressive - A+
  8. The Hartford - A+
  9. Allstate - A+
  10. Nationwide - A+

Persistent drivers can save

A few companies may not have online rate quotes and many times these small insurance companies provide coverage only through independent agents. The cheapest Acura TSX insurance in Plano can be purchased from both online companies in addition to many Plano insurance agents, and you need to comparison shop both to get a complete price analysis.

In this article, we presented some good ideas how you can get a better price on Acura TSX insurance in Plano. It's most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even find the best price on auto insurance is with an unexpected company.

When searching for cheaper Plano auto insurance quotes, it's very important that you do not buy less coverage just to save a little money. Too many times, an accident victim reduced liability limits or collision coverage only to find out that it was a big error on their part. Your objective should be to buy enough coverage for the lowest cost.

How to buy cheaper Acura TSX insurance in Plano

If saving money is your primary concern, then the best way to get more affordable Acura TSX insurance is to compare prices annually from companies who provide auto insurance in Plano.

Step 1: Get an understanding of car insurance and the things you can change to keep rates low. Many rating criteria that increase rates like high-risk driving behaviors and a less-than-favorable credit history can be rectified by being financially responsible and driving safely.

Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive and State Farm, while independent agencies can provide price quotes from many different companies. Find a Plano insurance agent

Step 3: Compare the new rates to the price on your current policy and see if there is a cheaper rate in Plano. If you can save money and make a switch, ensure there is no coverage lapse between policies.

The most important part of shopping around is to use the same physical damage deductibles and liability limits on each quote and and to get rates from as many auto insurance providers as possible. This enables a fair price comparison and many rates to choose from.

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