Cheap Quotes for Acura TSX Insurance in San Diego

Pricey Acura TSX insurance in San Diego can sap your bank account and put the squeeze on your family’s finances. Getting a rate comparison is recommended to slash your bill and have more diposable income.

Insurance rates Acura TSX in San DiegoA recent study revealed that a large majority of drivers kept their coverage with the same auto insurance company for at least four years, and practically 40% of auto insurance customers have never taken the time to shop around. American insurance shoppers can cut their rates by nearly $859 a year, but they underestimate the large savings they would see if they switch to a new company. Due to the increasing number of companies and agents to choose from, it can be diffult for drivers to find the right auto insurance company.

Low cost San Diego Acura TSX insurance quotes

The companies shown below have been selected to offer comparison quotes in San Diego, CA. If several companies are displayed, we suggest you click on several of them to get the best price comparison.

Acura TSX Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $234 $490 $454 $26 $136 $1,340 $112
TSX Technology Package $370 $792 $424 $26 $128 $1,740 $145
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Table data does not factor in specific garaging location which can impact auto insurance rates significantly.

Higher deductibles lower rates

The information below shows how choosing a deductible and can increase or decrease Acura TSX insurance costs for different ages of insureds. The data assumes a married male driver, full physical damage coverage, and no other discounts are factored in.

Physical damage deductibles

One of the more difficult decisions when buying auto insurance is where to set your physical damage deductibles. The tables below can help show the difference in cost between high and low policy deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Acura TSX insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $386 $678 $376 $22 $112 $1,599 $133
TSX Technology Package $386 $678 $376 $22 $112 $1,599 $133
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Acura TSX insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $238 $426 $376 $22 $112 $1,174 $98
TSX Technology Package $238 $426 $376 $22 $112 $1,174 $98
Get Your Own Custom Quote Go

Cost estimates assume 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. Rate quotes do not factor in vehicle garaging location which can modify prices significantly.

Based on this data, using a $250 deductible costs roughly $35 more each month or $420 every year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 21 months between claims, you would probably save some money by selecting a higher deductible.

Drive safe and save

The illustration below illustrates how speeding tickets and at-fault accidents can drive up Acura TSX car insurance rates for different age groups. The premiums are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

Choosing the best TSX insurance in California is an important decision

Despite the potentially high cost of Acura TSX insurance, paying for car insurance is required for several reasons.

The benefits of carrying enough insurance definitely exceed the price paid, especially with large liability claims. Unknowingly, the average driver is overpaying over $700 annually so compare rates at least once a year to make sure the price is not too high.

Misconceptions in insurance advertisements

Consumers in California can’t escape the ads that claim the lowest premium rates from companies such as State Farm, Allstate and GEICO. They all make the point of big savings after switching your policy.

How is it plausible that every one can charge lower premium rates? You have to listen carefully.

Insurance companies look for specific characteristics for the type of driver that will add to their bottom line. For instance, this type of driver might be between 25 and 40, has few claims, and drives a car with an anti-theft system. Any customer who matches those parameters gets the lowest rates and will also save a lot on San Diego Acura TSX insurance if they switch.

Potential customers who do not match the ideal profile will see a more expensive rate which leads to the prospect going elsewhere. If you listen closely, the ads state “people who switch” but not “everyone who gets a quote” will save that much if they switch. That’s why insurance companies can confidently state the savings.

This really drives home the point why you absolutely need to do a price quote comparison at every renewal. You cannot predict with any certainty which company will have the lowest Acura TSX insurance in San Diego.

Auto insurance quotes and discounts

Car insurance is not cheap, but there could be available discounts that could drop your premiums quite a bit. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be requested specifically before you will receive the discount.Save money with discounts

One last thing about discounts, most discounts do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will cut your overall bill.

A partial list of companies who might offer most of the discounts above include:

When getting free San Diego auto insurance quotes, it’s a good idea to all the companies how many discounts you can get. Discounts may not apply in every state. For a list of insurance companies that offer the discounts shown above in San Diego, click here.

You may need help from an agent

Certain consumers still prefer to talk to a local agent and that is OK! Agents can answer important questions and help in the event of a claim. A nice benefit of getting free rate quotes online is that drivers can save money and get cheap car insurance rates but still work with a licensed agent. And buying from local agencies is important especially in San Diego.

Insurance agents in San DiegoBy using this simple form, your insurance coverage information is emailed to local insurance agents in San Diego that can give you free San Diego auto insurance quotes to get your business. There is no reason to search for any insurance agencies due to the fact that quote results will go to you. If for some reason you want to compare rates from a particular provider, just find their quoting web page and give them your coverage information.

The different types of auto insurance agents

When finding a local San Diego insurance agency, it helps to know the two different agency structures and how they can write your policy. San Diego agents are categorized either independent (non-exclusive) or exclusive. Both types of agents can do a good job, but it’s a good idea to understand why they differ since it can affect which agent you choose.

Independent Insurance Agents

These type of agents can quote rates with many companies and that enables them to quote your coverage with lots of companies and potentially find a lower price. If your premiums go up, the agent simply finds a different carrier and you don’t have to find a new agent. When comparing car insurance prices, we highly recommend that you get insurance quotes from at a minimum one independent agency to ensure the widest selection of prices.

Listed below is a partial list of independent agents in San Diego that may be able to give price quote information.

4456 Vandever Ave #10San Diego, CA 92120(619) 325-3600View Map

3945 Idaho StSan Diego, CA 92104(619) 293-3800View Map

380 Stevens AveSolana Beach, CA 92075(858) 259-5800View Map

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Exclusive Agencies

Agents that choose to be exclusive generally can only insure with one company like Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot provide other company’s prices so it’s a take it or leave it situation. Exclusive insurance agents are trained well on sales techniques which helps them sell on service rather than price.

Listed below are exclusive insurance agents in San Diego that are able to give price quote information.

8650 Genesee Ave Ste 108San Diego, CA 92122(858) 623-3344View Map

1635 Rosecrans St bSan Diego, CA 92106(619) 694-4788View Map

910 Grand Ave #205San Diego, CA 92109(858) 272-2343View Map

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Finding the right auto insurance agent should include more criteria than just a cheap price. The following questions are important to ask.

More quotes mean more insurance savings

Discount Acura TSX insurance in San Diego can be purchased online and also from your neighborhood San Diego agents, so you need to quote San Diego auto insurance with both to get a complete price analysis. Some insurance companies do not offer internet price quotes and many times these regional carriers work with independent agents.

We just covered many tips how you can save on Acura TSX insurance in San Diego. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the lowest priced insurance comes from an unexpected company. Some small companies may often insure only within specific states and give better rates compared to the large companies like Allstate or State Farm.

More detailed insurance information is available at these sites: