Best Ways to Save on Phoenix Acura TSX Insurance

Do you want a faster way to compare the cheapest Acura TSX insurance in Phoenix? Have you fallen victim to an expensive insurance policy? Trust us, there are many Phoenix consumers feeling the pinch from expensive insurance.

It’s shocking but nearly 70% of Arizona drivers kept their coverage with the same insurance company for at least four years, and nearly the majority have never compared rate quotes at all. With the average insurance premium being $1,847, American drivers could pocket $860 a year by just shopping around, but most tend to underestimate how much they could save if they switched to a cheaper policy. You have so many insurance companies to pick from, and even though it’s nice to have multiple companies, lots of choices makes it harder to find the best rates for Acura TSX insurance in Phoenix.

Learn How to Quote Insurance for Less

Lots of things are part of the calculation when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, although others are not as apparent such as whether you are married or your financial responsibility.

• Lower performance equals lower insurance prices – The performance of the car or truck you own makes a substantial difference in determining your rates. The best insurance prices tend to be for smaller low performance passenger cars, but your final cost has many other factors. Since the Acura TSX falls in the passenger car class, insurance will be similar in price or lower when compared to the average rates in Phoenix.
• Liability insurance limits on your policy – A critical coverage on your policy, liability insurance will protect you when you are determined to be liable for physical damage or personal injury to other. It provides legal defense coverage to defend your case. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Certain vocations raise rates – Occupations such as judges, airline pilots, and dentists have the highest rates attributed to intense work situations and incredibly demanding work hours. On the flip side, jobs like scientists, historians and performers get better rates.
• If you don’t need it don’t buy it – There are a lot of add-on coverages that can waste your money if you aren’t diligent. Insurance for things like roadside assistance, accidental death, and membership fees may be wasting your money. They may seem like a good idea initially, but your needs may have changed so get rid of them and save.
• Marriage discount – Walking down the aisle may earn you lower rates on your policy. Having a significant other usually means you are more mature than a single person it has been statistically shown that being married results in fewer claims.

Getting a low cost price on Acura TSX insurance is a great way to save money. Just invest a little time getting comparison quotes to discover which company has the cheapest Acura TSX rate quotes.

Comparison shopping quotes online is easy and it takes the place of having to actually drive to and from local Phoenix insurance agencies. Comparing online rate quotes makes this process obsolete unless your situation requires the trained guidance that can only be provided by a licensed insurance agent. You can, however, get the lowest quotes online and get advice from an agent in your area.

The companies shown below provide free quotes in Phoenix, AZ. If multiple companies are listed, we suggest you get prices from several of them to get the lowest price.

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Information does not factor in specific location information which can revise premium rates considerably.

How careless driving impacts auto insurance rates

The information below illustrates how traffic citations and at-fault collisions can influence Acura TSX yearly insurance costs for each different age group. The data is based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

Physical damage deductible comparison

When shopping for auto insurance, a common question is how high should your deductibles be. The data tables below can help illustrate the differences in price between low and high comp and collision deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second price table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in specific zip code location which can raise or lower insurance rates noticeably.

We can estimate from the data above that using a $250 deductible will cost you about $24 more each month or $288 each year than selecting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 31 months between claim filings, you would more than likely save some money if you decide on a higher deductible. The numbers below show the way you can make this decision for your own policy.

Comparison of full coverage and liability-only policies

The information below illustrates the comparison of Acura TSX premium costs with liability coverage only compared to full coverage. The costs are based on no claims, a clean driving record, $100 deductibles, single male driver, and no policy discounts are applied.

Are you wasting money paying for full coverage?

There is no clear-cut rule of when to eliminate physical damage insurance, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s pretend your Acura TSX settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after you pay the deductible. If you are paying in excess of $800 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few situations where buying only liability insurance is not in your best interest. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not remove full coverage.

Why you need Acura vehicle insurance in Arizona

Despite the high cost of buying insurance for a Acura TSX in Phoenix, buying car insurance is required by state law in Arizona and it also provides benefits you may not be aware of.

• Almost all states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability insurance coverage if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Acura TSX has a lien holder, it’s guaranteed your bank will force you to have comprehensive coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank may buy a policy for your Acura for a much higher rate and force you to reimburse them for it.
• Car insurance preserves not only your vehicle but also your assets. It will also cover medical bills for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are sued as the result of your driving. If you have damage to your Acura as the result of the weather or an accident, comprehensive and collision coverage will pay to have it repaired.

The benefits of buying enough insurance greatly outweigh the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer overpays more than $855 a year so compare quotes from several companies once a year at a minimum to ensure rates are inline.

Companies offer lots of discounts on Acura TSX insurance in Phoenix

Some insurers don’t always list the complete list of policy discounts in an easy-to-find place, so the below list has some of the best known as well as the least known ways to save on auto insurance. If you aren’t receiving every discount possible, you are not getting the best rate possible.

• Driver Safety – Passing a class that teaches defensive driving techniques could possibly earn you a 5% discount and easily pay for the cost of the class.
• Auto/Home Discount – If you can combine your home and auto policy and insure them with the same company you may earn 10% to 20% off each policy.
• Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can receive discounts as much as 30%.
• Good Student – A discount for being a good student can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
• New Vehicle Savings – Insuring a vehicle that is new can get you a discount due to better safety requirements for new vehicles.

Drivers should understand that most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. Despite the fact that it seems like you can get free auto insurance, it’s just not the way it works. Any amount of discount will help reduce your policy cost.

Car insurance companies that may offer quotes with these money-saving discounts include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• GEICO

When quoting, ask each company to apply every possible discount. Some discounts listed above might not apply in your state.

Local agents and auto insurance

A lot of people still like to have an agent’s advice and that can be a smart move Insurance agents are highly skilled in risk management and will help you if you have claims. A nice benefit of getting free rate quotes online is the fact that you can find cheaper premium rates but still work with a licensed agent.

To find an agent, once you fill out this quick form, your coverage information is instantly submitted to local insurance agents that give free quotes to get your business. You won’t even need to contact an agency since rate quotes are delivered straight to your inbox. If you need to get a comparison quote from a specific company, you would need to navigate to their website and fill out the quote form the provide.

Deciding on an insurer shouldn’t rely on just a cheap price quote. Here are some questions to ask:

• Does the agent recommend any additional coverage?
• How many companies do they write for?
• What is the agency’s Better Business Bureau rating?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• If you have an accident, will your rates go up?

If you want to buy auto insurance from a reputable agency, you must know there are a couple types of agencies and how they can write your policy. Auto insurance agents in Phoenix may be either exclusive or independent (non-exclusive). Either type can sell affordable auto insurance policies, but it’s worth learning the difference in how they write coverage since it can affect the kind of agent you use.

Exclusive Auto Insurance Agents

Exclusive agencies have only one company to place business with and examples are AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot shop your coverage around so they are skilled at selling on more than just price. Exclusive agents are highly trained on their company’s products which helps them sell insurance even at higher premiums.

Below are exclusive insurance agencies in Phoenix that can give you comparison quotes.

More Phoenix agents

Independent Insurance Agents

Independent insurance agents often have affiliation with several companies so they can insure your vehicles with many different companies and find you the best rates. If your premiums go up, the agent simply finds a different carrier and the insured can keep the same agent. When comparing auto insurance prices, you will definitely want to check rates from at a minimum one independent agency to maximize your price options.

Shown below are independent insurance agents in Phoenix willing to provide price quote information.

More Phoenix agents

Do I need special coverages?

When selecting adequate coverage for your personal vehicles, there really is not a one-size-fits-all type of policy. Everyone’s situation is a little different so this has to be addressed.
For example, these questions could help you determine if your situation may require specific advice.

• Do I have coverage when using my vehicle for my home business?
• Which companies are cheaper for teen drivers?
• Is upholstery damage covered by car insurance?
• Will I be non-renewed for getting a DUI or other conviction?
• When should I drop full coverage on my Acura TSX?
• Does medical payments coverage apply to all occupants?
• I have good health insurance, so how much medical payments coverage do I need?
• Is extra glass coverage worth it?
• Do I need rental car coverage?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Affordable auto insurance premiums are out there

When searching for low cost Phoenix auto insurance quotes, never buy less coverage just to save a little money. Too many times, someone dropped collision coverage to discover at claim time they didn’t have enough coverage. The proper strategy is to buy enough coverage at the lowest possible cost.

Cheaper Acura TSX insurance in Phoenix can be found online as well as from independent agents in Phoenix, so you need to shop Phoenix auto insurance with both in order to have the best price selection to choose from. There are still a few companies who do not offer online quoting and these smaller companies provide coverage only through local independent agencies.

Even more information can be read by following these links:

• Liability Insurance Coverage (Nationwide)
• How Much is Phoenix Auto Insurance for Drivers with a DUI? (FAQ)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)