Auto Insurance Rate Quotes for an Acura TSX in Dallas

It takes a little time, but the best way to quote cheaper Acura TSX insurance is to compare prices at least once a year from companies who provide car insurance in Dallas. Prices can be compared by following these guidelines.

• First, spend a few minutes and learn about how auto insurance works and the steps you can take to prevent expensive coverage. Many factors that result in higher prices such as accidents, traffic tickets, and a poor credit score can be rectified by making lifestyle changes or driving safer. Later in this article we will cover instructions to find cheap rates and get additional discounts.
• Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO and Allstate, while independent agents can provide price quotes from multiple companies.
• Third, compare the new quotes to your current policy to see if cheaper TSX coverage is available in Dallas. If you find a lower rate quote, make sure coverage does not lapse between policies.
• Fourth, provide written notification to your current company to cancel your current auto insurance policy and submit the signed application along with the required initial payment for the new policy. As soon as you have the new policy, put the certificate verifying coverage in your glove compartment.

One key aspect of rate comparisons is to make sure you’re comparing identical coverages on each quote and and to get prices from all possible companies. Doing this enables a level playing field and the best rate selection.

Unimaginable but true, 70% of consumers have remained with the same car insurance company for at least four years, and almost 40% of drivers have never even shopped around for cheaper coverage. Many consumers in Dallas could pocket nearly 70% a year just by shopping around, but they won’t spend time to save money by comparing rate quotes.

If you have car insurance now, you stand a good chance to be able to find the best rates using the following tips. Finding affordable car insurance coverage in Dallas is really quite easy. But Texas car owners must know how insurance companies sell insurance online and use this information to your advantage.

Buy Dallas Acura TSX insurance online

Most of the larger companies like Allstate, GEICO and Progressive make it easy to get pricing directly from their websites. The process is quite easy because you just enter your personal and coverage information into a form. After you complete the form, the company’s rating system collects your driving and credit reports and quotes a price. Using the web to get rates for Acura TSX insurance in Dallas makes comparing rates easy, and it’s absolutely necessary to perform this step in order to get the most affordable possible premiums on car insurance.

In order to find out how much you’re overpaying now, take a look at the companies shown below. If you have your current policy handy, we recommend you duplicate deductibles and limits identical to your current policy. This guarantees you will receive rate comparison quotes for similar coverage.

The following companies are ready to provide free quotes in Dallas, TX. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.

Facts and figures for Acura TSX insurance

The premium table displayed next highlights estimates of insurance premium costs for Acura TSX models. Learning a little about how auto insurance prices are determined can aid in making decisions on which insurance to purchase.

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in specific location which can increase or decrease coverage prices significantly.

Deductible analysis

A question often asked by Dallas drivers is what deductibles to buy. The comparison tables below approximate how much more rates are when you choose different insurance deductibles. The first set of prices uses a $250 deductible for comp and collision and the second rate table uses a $500 deductible.

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

We can derive from the above data that using a $250 deductible will cost you roughly $16 more each month or $192 every year across all Acura TSX models than quoting the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 16 months between claims, you would come out ahead going with the higher deductible. Here is an example of how we made this calculation.

An important thing to remember is that increasing deductibles to lower your rates means you pay more out-of-pocket when you have a claim. You should have enough savings in order to pay the higher deductible in order to repair your vehicle.

Impact of citations and accidents on insurance rates

The information below demonstrates how traffic citations and at-fault accidents raise Acura TSX premium costs for different age groups. The premiums assume a married male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

Protect more than your vehicle

Despite the high cost of buying insurance for a Acura TSX in Dallas, auto insurance is a good idea for several reasons.

• Almost all states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability insurance coverage if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your TSX, most banks will require that you buy full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Acura at a significantly higher premium and force you to pay for it.
• Auto insurance preserves not only your car but also your financial assets. It will also reimburse you for medical expenses that are the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of having insurance are without a doubt worth the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver overpays as much as $750 every year so compare quotes from several companies at every policy renewal to ensure rates are inline.

Get affordable rates with these six discounts

Auto insurance companies don’t always list the complete list of policy discounts in a way that’s easy to find, so we took the time to find some of the more common as well as the least known credits available to bring down your rates.

• Good Student – Excelling in school could provide a savings of up to 20% or more. This discount can apply up until you turn 25.
• Responsible Driver Discount – Drivers who avoid accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
• Passive Restraints – Cars that have air bags or automatic seat belts may qualify for discounts of 20% or more.
• Multi-policy Discount – When you combine your auto and homeowners insurance with one company you may earn approximately 10% to 15%.
• Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and can earn a small discount on your policy.
• Accident Forgiveness – This one is not really a discount per se, but some insurance companies will let one accident slide before your rates go up as long as you don’t have any claims for a particular time prior to the accident.

One last thing about discounts, many deductions do not apply to your bottom line cost. Some only apply to specific coverage prices like medical payments or collision. Even though it may seem like you could get a free auto insurance policy, companies wouldn’t make money that way.

The chart below shows the comparison of Acura TSX insurance costs with and without discounts applied to the rates. The data assumes a male driver, no claims or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, claim-free, multi-policy, and homeowner discounts applied.

Car insurance companies that may have many of the previously listed discounts are:

• Farmers Insurance
• Esurance
• State Farm
• GEICO
• Allstate

Double check with each company which discounts can lower your rates. Some of the discounts discussed earlier may not be offered in your area. If you would like to choose from a list of providers that offer the discounts shown above in Dallas, follow this link.

Insurance agent or online?

A small number of people prefer to talk to an insurance agent and doing so can bring peace of mind An additional benefit of price shopping on the web is the fact that you can find cheap car insurance quotes and still have a local agent.

Upon completion of this quick form, your coverage information is transmitted to participating agents in Dallas who will give you bids for your car insurance coverage. You won’t need to contact an agency as quotes are delivered straight to your inbox. You’ll get the best rates without having to waste a lot of time. If for some reason you want to compare prices from a specific car insurance provider, you would need to search and find their rate quote page and complete a quote there.

Selecting an insurance company requires you to look at more than just the price. These are some valid questions you should ask.

• How are they compensated?
• Is insurance their full-time profession?
• Is the agent CPCU or CIC certified?
• Do they write coverage based solely on cost?
• How does the company pay claims for a total loss?

Listed below are Dallas auto insurance companies that can give you price quote information for Acura TSX insurance in Dallas.

View more Dallas agents

Learn about auto insurance coverages for an Acura TSX

Having a good grasp of auto insurance can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on the average auto insurance policy.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, a broken windshield, falling objects, hitting a bird and hail damage. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as rehabilitation expenses, hospital visits, doctor visits and funeral costs. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Acura TSX.

Since a lot of drivers carry very low liability coverage limits (Texas limits are 30/60/25), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sustaining damage from a pot hole, hitting a mailbox, crashing into a ditch, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible on your TSX to get cheaper collision coverage.

Coverage for liability

This will cover damage or injury you incur to people or other property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 30/60/25 that translate to $30,000 in coverage for each person’s injuries, a total of $60,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability can pay for claims like medical services, structural damage, funeral expenses, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible. Texas state minimum liability requirements are 30/60/25 but you should consider buying better liability coverage.

The next chart demonstrates why the minimum limit may not provide you with enough coverage.

Affordable insurance rates are out there

Affordable Acura TSX insurance in Dallas can be bought from both online companies as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers may not offer online quoting and many times these small, regional companies prefer to sell through independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where drivers have reduced collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at the lowest possible cost.

Throughout this article, we presented a lot of ways to save on Acura TSX insurance in Dallas. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even find the best prices are with a smaller regional carrier. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.

Additional detailed information is located at these sites:

• Car Insurance FAQ (Trusted Choice)
• Who Has the Cheapest Auto Insurance for Homeowners in Dallas? (FAQ)
• How Much are Car Insurance Rates for Active Military in Dallas? (FAQ)
• How Can I Save Money on Auto Insurance? (Insurance Information Institute)
• How to Avoid Buying a Flooded Car (Insurance Information Institute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)