If you want to find the absolute lowest rates, then the best way to find cheaper quotes for Acura TSX insurance is to regularly compare price quotes from different companies who sell auto insurance in Irvine.
- Get a basic knowledge of how auto insurance works and the things you can control to prevent high rates. Many risk factors that cause rate increases like getting speeding tickets and a less-than-favorable credit rating can be rectified by making minor changes to your lifestyle. Read the full article for information to lower rates and find discounts that may have been missed.
- Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can provide prices for many different companies. Start a quote
- Compare the new quotes to the premium of your current policy to see if a cheaper rate is available. If you find better rates and decide to switch, ensure there is no coverage lapse between policies.
One important bit of advice is to make sure you enter similar coverage information on every price quote and to quote with as many auto insurance providers as possible. This guarantees a level playing field and and a good selection of different prices.
It’s easy to assume that car insurance companies don’t want their customers to go rate shopping. People who shop around for the cheapest rate are likely to switch companies because of the high probability of finding coverage at a cheaper rate. A recent survey revealed that consumers who compared prices regularly saved as much as $3,400 over four years as compared to drivers who never shopped around for lower prices.
If finding budget-friendly rates on Acura TSX insurance in Irvine is the reason you’re here, understanding how to find companies and compare insurance coverage can save time, money, and frustration.
When shopping for affordable Acura TSX insurance quotes, there are a couple of ways to obtain and compare prices from all the different companies. The fastest way to do a complete rate comparison is to jump online and get quotes.
Just remember that making a lot of price comparisons provides better odds of finding better pricing.
The companies shown below can provide free quotes in California. To find the best cheap car insurance in California, we recommend you get prices from several of them to find the most competitive auto insurance rates.
Auto insurance protects more than just your car
Despite the high cost, paying for auto insurance is required by state law in California and it also provides benefits you may not be aware of.
- Just about all states have minimum liability requirements which means state laws require specific minimum amounts of liability insurance coverage if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your TSX has a loan, it’s guaranteed your bank will make it a condition of the loan that you have full coverage to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Acura at a more expensive rate and require you to fork over for the expensive policy.
- Auto insurance preserves your Acura TSX and your assets. It will also cover medical bills for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also covers legal expenses if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, your policy will pay to repair the damage.
The benefits of insuring your car definitely exceed the cost, particularly if you ever have a claim. As of last year, the average driver in California overpays more than $825 a year so smart consumers compare quotes at least once a year to help ensure money is not being wasted.
Acura TSX coverage statistics
The information displayed next showcases a range of insurance rates for Acura TSX models. Being more informed about how insurance rates are formulated can be useful when making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TSX | $228 | $482 | $488 | $28 | $146 | $1,372 | $114 |
| TSX Technology Package | $228 | $482 | $488 | $28 | $146 | $1,372 | $114 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in vehicle garaging location which can lower or raise prices significantly.
Physical damage deductible comparison
One common question asked by Irvine drivers is how high should your deductibles be. The premium rates below may help to conceptualize the differences in premium rates between high and low insurance deductibles. The first rate quote example uses a $100 physical damage deductible and the second price grid uses a $1,000 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 | $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 | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rates do not factor in Irvine location which can affect price quotes substantially.
Based on these figures, using a $100 deductible costs roughly $50 more each month or $600 for a full year averaged for all TSX models than selecting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 18 months between claim filings, you would probably save some money by going with a higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $100 deductibles: | $148 |
| Average monthly premium for $1,000 deductibles (subtract): | – $98 |
| Monthly savings from raising deductible: | $50 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $50 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
The chart below highlights how deductible selection and can raise or lower Acura TSX yearly insurance costs for each age group. Data assumes a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Age, gender, and Acura TSX insurance
The diagram below visualizes the comparison of Acura TSX car insurance rates for male and female drivers. The price estimates are based on no violations or claims, comprehensive and collision coverage, $500 deductibles, drivers are single, and no policy discounts are applied.
Five discounts for cheaper car insurance quotes
Some insurance providers don’t necessarily list all discounts very well, so here is a list both the well known as well as some of the hidden discounts that you may qualify for.
- Multiple Policy Discount – When you have multiple policies and insure them both with the same insurance company you will save approximately 10% to 15%.
- Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
- Responsible Driver Discount – Drivers who avoid accidents may save up to 50% more than their less cautious counterparts.
- Theft Deterrent Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
- Early Renewal Discounts – Some insurance companies give discounts for buying a policy prior to your current TSX insurance policy expiration. It could save around 10% when you buy Irvine auto insurance online.
While discounts sound great, it’s important to understand that most discount credits are not given to the whole policy. Most only apply to specific coverage prices like comp or med pay. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
The example below visualizes the comparison of Acura TSX insurance costs with and without discounts applied to the rates. The rates are based on a female driver, no violations or claims, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, marriage, multi-car, and claim-free discounts applied.
The best car insurance companies and the discounts they provide are shown below.
- State Farm has savings for Drive Safe & Save, multiple policy, good student, accident-free, safe vehicle, and good driver.
- Farmers Insurance offers premium reductions for early shopping, business and professional, good student, homeowner, mature driver, alternative fuel, and bundle discounts.
- GEICO may have discounts that include multi-policy, seat belt use, anti-theft, defensive driver, emergency military deployment, multi-vehicle, and federal employee.
- American Family discounts include accident-free, mySafetyValet, good student, Steer into Savings, early bird, defensive driver, and air bags.
- Nationwide includes discounts for accident-free, Farm Bureau membership, anti-theft, multi-policy, easy pay, and business or organization.
- Progressive offers discounts including multi-policy, online signing, multi-vehicle, continuous coverage, homeowner, and online quote discount.
Double check with each company what discounts are available to you. Savings may not be available in Irvine.
Get rate quotes but still have a local Irvine insurance agent
A small number of people still prefer to talk to a local agent and doing so can bring peace of mind One of the benefits of getting online price quotes is that drivers can save money and get better rates and still have an agent to talk to. And supporting local insurance agencies is especially important in Irvine.
To help locate an agent, after submitting this short form, your insurance data is sent to local insurance agents who will gladly provide quotes for your coverage. You won’t need to contact any agents because prices are sent immediately to you. It’s the lowest rates without the usual hassles of price shopping. If you wish to quote rates from a particular provider, just find their quoting web page and submit a quote form there.
Is an exclusive or independent auto insurance agent right for you?
When narrowing the list to find a reliable insurance agent, it’s helpful to know the different types of agencies and how they are distinctly different. Car insurance policy providers can be described as either independent or exclusive depending on the company they work for.
Independent Agents
Independent insurance agents can sell policies from many different companies so as a result can place your coverage with lots of companies and get you the best rates possible. If they find a cheaper price, the business is moved internally which makes it simple for you.
If you are trying to find cheaper rates, we recommend you contact at a minimum one independent agency in order to have the best price comparison. Many independent agencies also insure through additional companies that you may not be familiar with who may have lower rates.
Listed below is a short list of independent insurance agencies in Irvine who may be able to give you price quotes.
- Journey Insurance
9541 Irvine Center Dr – Irvine, CA 92618 – (888) 323-7480 – View Map - Lockton Insurance Brokers
19800 MacArthur Blvd #1250 – Irvine, CA 92612 – (949) 252-4400 – View Map - Hays Co
18201 Von Karman Ave # 510 – Irvine, CA 92612 – (949) 442-7662 – View Map
Exclusive Agents
Exclusive agencies can usually just insure with one company and some examples include Allstate and State Farm. These agents are not able to compare rates from other companies so keep that in mind. Exclusive agents are well schooled on their company’s products which helps them sell on service rather than price. Some people will only use the same exclusive agent primarily because of the prominence of the brand rather than having the cheapest rates.
The following is a short list of exclusive insurance agencies in Irvine willing to provide price quotes.
- Farmers Insurance
4000 Barranca Pkwy # 250 – Irvine, CA 92604 – (949) 262-3238 – View Map - Farmers Insurance – Al Kash
17702 Mitchell N – Irvine, CA 92614 – (949) 216-3620 – View Map - Farmers Insurance: James Lohse
4850 Barranca Pkwy #202 – Irvine, CA 92604 – (949) 559-0175 – View Map
Finding a good auto insurance agent requires you to look at more than just a cheap price quote. Below are some questions you should ask.
- How much can you save by raising your physical damage deductibles?
- How many companies do they write for?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Did they already check your driving record and credit reports?
- Is the agent and/or agency licensed to do business in California?
- Are claims handled at the agent’s location?
- Does the agency have a good rating with the Better Business Bureau?
- Does the agency support the community they serve?
Auto insurance coverage basics
Having a good grasp of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like doctor visits, EMT expenses, prosthetic devices, rehabilitation expenses and hospital visits. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay
Liability car insurance
Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 15/30/5 that translate to $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage protects against claims such as court costs, bail bonds, legal defense fees and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford. California state minimum liability requirements are 15/30/5 but drivers should carry more coverage.
The illustration below demonstrates why minimum state limits may not provide you with enough coverage.
Collision insurance
Collision coverage will pay to fix damage to your TSX resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as hitting a mailbox, hitting a parking meter, backing into a parked car, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible on your TSX to save money on collision insurance.
UM/UIM Coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Acura TSX.
Since many California drivers only purchase the least amount of liability that is required (15/30/5), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.
Comprehensive or Other Than Collision
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as hitting a deer, theft and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Find affordable auto insurance prices by comparing often
As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. In many cases, an accident victim reduced uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.
Consumers who switch companies do it for a number of reasons such as poor customer service, policy cancellation, extreme rates for teen drivers and high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.
Throughout this article, we presented many ideas to compare Acura TSX insurance rates in Irvine. The key thing to remember is the more times you quote, the better your comparison will be. You may even be surprised to find that the lowest rates are with the smaller companies.
Additional information
- Teen Driver Licensing Information (iihs.org)
- Who Has Cheap Auto Insurance Rates for High School Students in Irvine? (FAQ)
- Prom Night Tips for Teen Drivers (State Farm)
- Collision Coverage (Liberty Mutual)
- Older Drivers FAQ (iihs.org)
- Smart Auto Insurance Tips (Insurance Information Institute)