The preferred way to find lower priced Acura TSX insurance is to start doing an annual price comparison from providers who provide car insurance in Sacramento. Drivers can shop around by following these steps.
Step 1: Try to comprehend individual coverages and the things you can change to prevent high rates. Many policy risk factors that increase rates like speeding tickets, accidents and a less-than-favorable credit history can be rectified by making lifestyle changes or driving safer. Read the full article for more information to help find cheaper rates and get additional discounts.
Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like Progressive and State Farm, while agents who are independent can provide rate quotes for many different companies. Compare rates
Step 3: Compare the new rate quotes to your existing coverage and determine if there is any savings. If you find a lower rate quote and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Provide adequate notice to your current company to cancel your current policy. Submit the signed application along with the required initial payment to the new company. As soon as coverage is bound, place your new certificate verifying coverage in an accessible location in your vehicle.
One tip to remember is that you’ll want to make sure you compare similar coverage information on every quote and and to get rates from as many different companies as possible. This helps ensure a fair rate comparison and a complete selection of prices.
A study showed that most car insurance buyers renewed their policy with the same company for a minimum of four years, and approximately 40% of consumers have never even compared quotes to find lower-cost rates. Many drivers in Sacramento could save themselves almost 35% a year just by shopping around, but they won’t spend time to save money by comparing rate quotes.
If you are insured now or need a new policy, take advantage of these tips to get lower rates and possibly find even better coverage. Quoting and buying the best-priced coverage in Sacramento is easy to do. Consumers only have to learn the most efficient way to get comparison rates from multiple carriers.
Acura TSX insurance quotes comparison
Most larger insurance companies such as Progressive, GEICO, Allstate and State Farm give insurance quotes on their websites. Getting quotes for Acura TSX insurance in Sacramento doesn’t take a lot of time as you simply enter the coverages you want into the quote form. Once you submit the form, the company’s rating system collects credit information and your driving record and provides a quote based on these factors.
Being able to quote online for Acura TSX insurance in Sacramento streamlines rate comparisons, and it’s absolutely necessary to perform this step if you want to get the cheapest price possible.
If you want to find out if lower rates are available, compare quotes from the companies shown below. If you have coverage now, it’s recommended you complete the form with your coverages just like they are on your policy. This helps ensure you will receive rate quotes based on the exact same insurance coverage.
The companies shown below are ready to provide price quotes in California. To find cheap auto insurance in California, we recommend you compare several of them to get the cheapest price.
Discounts mean cheaper rates for Acura TSX insurance in Sacramento
Car insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so below is a list a few of the more common as well as the least known ways to save on auto insurance. If you check and find you aren’t receiving every discount available, you are just wasting money.
- ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
- Drive Safe and Save – Insureds without accidents could pay up to 40% less than less cautious drivers.
- Accident Forgiveness – Not necessarily a discount, but a few companies such as GEICO, State Farm, and Progressive allow you one accident without getting socked with a rate hike if you are claim-free for a certain period of time.
- Life Insurance Discount – Some companies give a lower auto insurance rate if you buy a life insurance policy as well.
- Low Miles Discount – Driving fewer miles can qualify you for cheaper prices.
- Anti-theft System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and qualify for as much as a 10% discount.
- Discounts for New Vehicles – Putting insurance coverage on a new TSX may earn a small discount due to better safety requirements for newer vehicles.
- Senior Citizen Rates – Mature drivers are able to get a slight reduction on a Sacramento car insurance quote.
You can save money using discounts, but some credits don’t apply to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, you aren’t that lucky. Any amount of discount will definitely lower the cost of coverage.
The illustration below shows the difference between Acura TSX insurance rates with and without discounts applied to the policy rates. The costs are based on a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, multi-car, multi-policy, and claim-free discounts applied.
Some of the larger companies that possibly offer many of the previously listed discounts include:
When getting a coverage quote, ask each insurance company which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policyholders in your state. To view auto insurance companies that have a full spectrum of discounts in Sacramento, follow this link.
Acura TSX insurance rate analysis
The coverage table displayed next covers different insurance prices for Acura TSX models. Having insight into how auto insurance premiums are calculated is important for you to make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TSX | $440 | $678 | $492 | $30 | $148 | $1,788 | $149 |
| TSX Technology Package | $440 | $678 | $492 | $30 | $148 | $1,788 | $149 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in zip code location which can lower or raise premium rates substantially.
Rate comparison for different deductibles
The hardest decision when buying coverage is which deductible level should you buy. The figures shown below illustrate the differences in price between high and low physical damage coverage deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price grid uses a $500 deductible.
| 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 Custom Quote Go | |||||||
| 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 Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium amounts do not factor in garaging location in Sacramento which can raise or lower prices greatly.
We can derive from the above data that using a $100 deductible will cost you about $34 more each month or $408 every year across all Acura TSX models than choosing the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average more than 12 months between claim filings, you would probably save some money by going with a higher deductible.
The example below shows how different deductible levels and can increase or decrease Acura TSX insurance costs for each age group. The data assumes a married male driver, full coverage, and no discounts are taken into consideration.
Cost of full coverage
The information below compares Acura TSX auto insurance costs with full physical damage coverage compared to only buying liability only. Data assumes no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.
When to drop comprehensive and collision coverage
There is no clear-cut rule of when to phase out full coverage, but there is a general guideline. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s pretend your Acura TSX claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $7,000 after you pay the deductible. If premiums are more than $700 annually for full coverage, then it may be the right time to buy liability only.
There are some situations where only buying liability is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.
Eight Things That Impact Your Insurance Rates
When buying insurance it’s important to understand some of the things that come into play when calculating your policy premiums. If you have a feel for what determines base rates, this enables you to make decisions that may result in lower rates. Many factors are used in the calculation when you quote your car insurance policy. Most are fairly basic like your driving record, but some are not quite as obvious like your vehicle usage or your financial responsibility.
Infrequent drivers can save – Driving a lot of miles annually the more you’ll pay to insure your vehicle. A lot of companies rate vehicles based on how the vehicle is used. Vehicles that do not get driven very much get more affordable rates than those that get driven frequently. Double check that your policy properly reflects how each vehicle is driven. An incorrectly rated TSX may be costing you higher rates.
Drive a fast car and pay more – The make and model of the vehicle you are insuring makes a significant difference in your premium level. The best insurance prices will generally be found on low performance passenger cars, but there are many factors that impact the final cost.
The chart below uses these variables: married female driver age 20, full coverage with $100 deductibles, and no discounts or violations. It shows Acura TSX policy rates compared to other models that have a range of performance rating factors.
Claim-free discounts can add up – Car insurance companies in California give discounts to people who are claim-free. If you are a frequent claim filer, you can pretty much guarantee higher premiums or even policy non-renewal. Your car insurance is designed for claims that you cannot pay yourself.
Do you really need roadside assistance? – Insurance policies have a lot of extra add-on coverages that may not really be needed if you aren’t careful. Insurance for things like vanishing deductibles, better glass coverage, and motor club memberships may not be needed and are just wasting money. You may think they are a good idea at first, but your money might be better spent on other coverage so eliminate them to save money.
Cheaper rates with high comp and collision deductibles – Physical damage coverage, also called ‘full coverage’, covers damage that occurs to your Acura. Examples of some claims that would be covered would be colliding with a building, hail damage, and damage from a fallen tree branch. The deductibles are how much you are required to pay before a claim is paid by your company. The more expense the insured has to pay upfront, the less your insurance will be.
Poor credit score equals high costs – Your credit score is a large factor in determining what you pay. People that have high credit scores tend to be less risk to insure than drivers with worse credit. If your credit history can use some improvement, you could be paying less to insure your Acura TSX by taking the time to improve your credit score.
Youthful vs. older drivers – Inexperience drivers have a tendency to be inattentive when driving therefore insurance rates are much higher. Adding a young driver onto a policy can cause a big jump in price. More experienced drivers are shown to be more cautious, tend to file fewer claims, and receive fewer citations.
The chart below uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Liability insurance preserves assets – Your insurance policy’s liability coverage will provide protection when you are responsible for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense to attempt to prove you were not liable. Liability is cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
Do I need an insurance agent?
Certain consumers just want to go talk to an agent and we recommend doing that Professional agents can help you build your policy and help file insurance claims. A nice benefit of comparing car insurance online is that you can obtain lower rates but still work with a licensed agent. And providing support for local agents is still important in Sacramento.
After filling out this form (opens in new window), your information is emailed to agents in your area who will give you quotes for your coverage. There is no need to find an agent because quoted prices will be sent directly to you. If you want to compare rates from one company in particular, just visit that company’s website and submit a quote form there.
When searching for an insurance agent, it’s helpful to know the different types of agents and how they can write your policy. Car insurance agents in Sacramento can be described as either independent or exclusive. Either one can sell affordable car insurance policies, but it’s a good idea to understand how they differ since it could factor into the kind of agent you use.
Independent Agents (or Brokers)
Agents in the independent channel are not limited to a single company so they can quote policies with many different companies and potentially find a lower price. If they find a cheaper price, they simply move your policy to a different company and you don’t have to switch agencies.
When comparing rates, it’s recommended you check rates from a few independent agents in order to compare the most rates. They also have the ability to place coverage with smaller regional carriers which may have better rates.
The following are independent agents in Sacramento that can possibly get you free car insurance quotes.
- Nationwide Insurance: Greg Comia Insurance Agency Inc
7500 Elsie Ave Ste 106 – Sacramento, CA 95828 – (916) 682-6053 – View Map - Ancal Insurance Agency
2641 Cottage Way #2 – Sacramento, CA 95825 – (916) 485-5410 – View Map - Bates Insurance Agency | Auto Insurance and Homeowners Insurance and Car Insurance
2306 J St – Sacramento, CA 95816 – (916) 251-3548 – View Map
Exclusive Insurance Agents
Exclusive agencies write business for a single company and examples are Farmers Insurance or State Farm. These agents are unable to provide prices from multiple companies so keep that in mind. Exclusive agents are highly trained in insurance sales which helps them sell on service rather than price. Consumers often buy insurance from these agents primarily because of the brand name rather than low price.
The following are Sacramento exclusive agencies that are able to give comparison quotes.
- GEICO Insurance Agent
5211 Madison Ave – Sacramento, CA 95841 – (916) 923-5050 – View Map - Greg Lauck – State Farm Insurance Agent
950 Fulton Ave #175 – Sacramento, CA 95825 – (916) 978-9110 – View Map - Jordan Backhaus – State Farm Insurance Agent
4315 Elkhorn Blvd Ste B – Sacramento, CA 95842 – (916) 331-1135 – View Map
Deciding on an auto insurance agent shouldn’t rely on just a cheap quote. These questions are important to ask:
- Will they give you a referral list?
- Do they regularly work with personal auto policies in Sacramento?
- Which members of your family are coverage by the policy?
- Is the agency covered by Errors and Omissions coverage?
- How many years of experience in personal auto insurance do they have?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
How to know if you need help
When quoting and choosing coverage online or from an agent for your vehicles, there isn’t really a one-size-fits-all type of policy. Each situation is unique and your auto insurance should unique, too.
Here are some questions about coverages that could help you determine if you could use an agent’s help.
- How can I force my company to pay a claim?
- Am I covered when driving someone else’s vehicle?
- Do I need roadside assistance coverage?
- What if a claim settlement is too low?
- How high should my uninsured/underinsured coverage be in California?
- Does insurance cover tools stolen from my truck?
- When should I have rental car coverage?
- Should I rate my vehicle as business use?
- If I drive on a suspended license am I covered?
- How long can I keep a teen driver on my policy?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.
One last thing to lower rates
Lower-priced Acura TSX insurance in Sacramento can be bought on the web and also from your neighborhood Sacramento agents, and you should compare rates from both in order to have the best price selection to choose from. Some auto insurance companies do not offer rates over the internet and usually these smaller providers work with local independent agencies.
As you go through the steps to switch your coverage, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed collision coverage and learned later they didn’t purchase enough coverage. Your goal is to buy enough coverage at the best possible price while not skimping on critical coverages.
Other resources
- Distracted Driving Statistics (Insurance Information Institute)
- What Car Insurance is Cheapest for Teenage Females in Sacramento? (FAQ)
- How Much are Auto Insurance Rates for Good Students in Sacramento? (FAQ)
- Bodily Injury Coverage (Liberty Mutual)
- Cellphones, Texting and Driving (iihs.org)