Compare Acura TSX Insurance Quotes in Lexington

Discount Acura TSX insuranceThe recommended way to get affordable Acura TSX insurance is to make a habit of regularly comparing prices from different companies that insure vehicles in Lexington. Prices can be compared by completing these steps.

  1. Try to understand the different coverages in a policy and the measures you can control to keep rates in check. Many risk factors that cause high rates such as traffic citations and a less-than-favorable credit score can be remedied by making lifestyle changes or driving safer.
  2. Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like Progressive or Allstate, while agents who are independent can provide price quotes from multiple companies.
  3. Compare the new rate quotes to the price on your current policy and see if you can save money. If you can save money and switch companies, make sure there is no coverage gap between policies.
  4. Give notification to your current company to cancel your existing policy. Submit a completed policy application and payment for your new coverage. As soon as you have the new policy, keep your new proof of insurance paperwork in an accessible location in your vehicle.

A good tip to remember is to make sure you’re comparing similar coverage information on each quote request and and to compare as many car insurance companies as possible. This enables a fair rate comparison and a complete price analysis.

It’s amazing but a large majority of drivers kept their policy with the same company for four years or more, and nearly the majority have never compared rate quotes at all. The average driver in America could save as much as $859 every year, but most undervalue the large savings they would see if they switched.

Most of the larger companies allow you to get prices for coverage directly from their websites. Getting quotes for Acura TSX insurance in Lexington is fairly straightforward as you simply enter your personal and coverage information as requested by the quote form. After you complete the form, the company’s rating system automatically retrieves reports for credit and driving violations and returns pricing information based on these factors. Getting online quotes for Acura TSX insurance in Lexington makes it simple to compare prices and it’s very important to have as many quotes as possible if you want to get the most affordable insurance rates.

If you want to compare pricing, compare rate quotes from the providers shown below. If you have a policy now, it’s recommended you replicate coverages and limits as close as possible to your current policy. This ensures you are getting rate comparison quotes using the exact same coverages.

The following companies can provide comparison quotes in Lexington, KY. To get cheap car insurance in Kentucky, we recommend you visit several of them to get the most affordable price.

Save money with these discounts on Acura TSX insurance in Lexington

Companies that sell car insurance don’t necessarily list all possible discounts very clearly, so we took the time to find both well-publicized and the harder-to-find credits that you can use to lower your rates.Auto insurance discounts

You can save money using discounts, but most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

The diagram below shows the difference between Acura TSX insurance costs with and without discounts applied. The prices are based on a female driver, no claims or driving violations, Kentucky state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, multi-car, safe-driver, and homeowner discounts applied.

To locate auto insurance companies with the best Acura TSX insurance discounts in Lexington in Lexington, follow this link.

Acura TSX insurance charts and tables

The data table shown below outlines a range of prices for Acura TSX models. Having a good understanding how auto insurance policy rates are determined can assist in making smart choices when comparing insurance quotes.

Acura TSX Insurance Rates in Lexington, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $244 $490 $314 $18 $94 $1,160 $97
TSX Technology Package $244 $490 $314 $18 $94 $1,160 $97
Get Your Own Custom Quote Go

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Prices do not factor in specific garaging location which can decrease or increase coverage prices greatly.

Physical damage deductibles: Should you raise them?

When shopping for auto insurance, a common question is which comprehensive and collision deductibles to buy. The rates below can help illustrate the cost difference when you select higher and lower physical damage coverage deductibles. The first data set uses a $100 deductible and the second set of rates uses a $1,000 deductible.

Acura TSX insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $318 $598 $278 $16 $84 $1,319 $110
TSX Technology Package $318 $598 $278 $16 $84 $1,319 $110
Get Your Own Custom Quote Go

Acura TSX insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $176 $316 $278 $16 $84 $870 $73
TSX Technology Package $176 $316 $278 $16 $84 $870 $73
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in Lexington location which can impact rates greatly.

Based on this data, using a $100 deductible costs approximately $37 more each month or $444 for a full year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 24 months between claims, you would probably be better off by going with a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $110
Average monthly premium for $1,000 deductibles (subtract): – $73
Monthly savings from raising deductible: $37
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $37
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

One big caveat is that raising deductibles to save money means you pay more out-of-pocket when you have a physical damage claim. You need some extra funds in order to pay the deductible for vehicle repair.

The example below illustrates how your choice of deductibles and can affect Acura TSX premium costs for different age categories. The data assumes a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Impact of violations and accidents on rates

The information below shows how violations and at-fault claims drive up Acura TSX auto insurance costs for each age group. The information is based on a married male driver, full coverage, $500 deductibles, and no additional discounts are factored in.

Acura TSX insurance costs by age and gender

The illustration below shows the comparison of Acura TSX auto insurance rates for male and female drivers. The premium estimates are based on no claims, a clean driving record, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are taken into consideration.

Liability only or full coverage

The chart below shows the comparison of Acura TSX car insurance rates with full coverage and liability only. The rates are based on a clean driving record, no at-fault accidents, $100 deductibles, single status, and no additional discounts are factored in.

When to buy liability coverage only

There is no set rule to exclude comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s pretend your Acura TSX settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $3,000 after paying your deductible. If it’s costing you more than $300 a year for your policy with full coverage, then you might consider buying liability only.

There are a few situations where removing full coverage is not recommended. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not buy liability only.

Independent versus exclusive car insurance agents

Some consumers just want to buy from a licensed agent and that is a smart decision A good thing about comparing car insurance online is that drivers can save money and get lower rates and still choose a local agent. Buying from neighborhood agents is still important in Lexington.

Insurance agency in LexingtonTo help locate an agent, after submitting this short form, the coverage information is emailed to local insurance agents that provide free Lexington auto insurance quotes for your insurance coverage. You won’t even need to even leave your home because quoted prices will be sent to the email address you provide. Get lower rates without having to waste a lot of time. If you need to compare prices from a specific car insurance provider, don’t hesitate to find their quoting web page to submit a rate quote request.

Choose an insurance agent wisely

If you’re trying to find local Lexington agents, it’s helpful to know the types of insurance agents that you can select. Agents can either be independent agents or exclusive agents depending on their employer.

Independent Car Insurance Agents (or Brokers)

Agents in the independent channel do not write with just one company so as a result can place your coverage with lots of companies and find the cheapest rate. If they find a lower price, the business is moved internally and you don’t have to find a new agent. If you are comparing rate quotes, it’s a good idea to get some free quotes from a few independent agents to get the best comparison.

Shown below is a small list of independent agents in Lexington that may be able to give price quote information.

1202 Winchester Rd #100Lexington, KY 40505(859) 253-2728View Map

401 Lewis Hargett Cir #130Lexington, KY 40503(859) 276-1234View Map

Nicole Wright Insurance Agency
169 E Reynolds Rd #102Lexington, KY 40517(859) 971-0221View Map

More insurance agents

Exclusive Agents

Exclusive agencies can only provide one company’s prices and some examples include Farmers Insurance or State Farm. These agents are unable to compare other company’s rates so they really need to provide good service. They are very knowledgeable in insurance sales which helps them sell insurance even at higher premiums.

Listed below is a short list of exclusive insurance agents in Lexington that can give you comparison quotes.

Joe Daugherty – State Farm Insurance Agent
651 Perimeter Dr Ste 204Lexington, KY 40517(859) 269-4990View Map

3101 Clays Mill Rd Suite 402Lexington, KY 40503(859) 278-8415View Map

2614 Richmond RoadLexington, KY 40509(859) 266-6640View Map

More insurance agents

Choosing an insurance agent should depend on more than just a cheap price. Here are some questions to ask:

Good Decisions Result in Lower Insurance Premiums

Many different elements are used in the calculation when you get a price on insurance. Some factors are common sense such as traffic violations, but others are not as apparent like your continuous coverage or how financially stable you are.

Shown below are a few of the things used by insurance companies to determine your rates.

Do you save by driving less? – The more you drive in a year the more it will cost to insure it. The majority of insurers calculate prices determined by how the vehicle is used. Cars and trucks that are left in the garage receive lower rates than those that get driven frequently. It’s always a good idea to double check that your insurance declarations sheet is showing annual mileage. Having the wrong rating on your TSX can cost quite a bit.

Safety first – Safe vehicles cost less to insure. Vehicles engineered for safety protect occupants better and fewer injuries means less claims paid which can result in lower premiums.

Too many insurance claims and you’ll pay more – Insurance companies in Kentucky generally give most affordable rates to people who do not file claims often. If you are a frequent claim filer, you can definitely plan on much higher rates or policy non-renewal. Auto insurance is intended for claims that pose a financial burden.

Improve your credit rating and save – Having a bad credit score is a big factor in determining premium rates. So if your credit could use some work, you could potentially save money when insuring your Acura TSX by repairing your credit. Insureds that have high credit scores tend to be less risk to insure than drivers with lower credit scores.

Prevent your car from being stolen – Owning a car with advanced anti-theft systems can earn a premium discount. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.

Choosing the best TSX insurance in Kentucky is an important decision

Despite the fact that auto insurance is not cheap in Lexington, insuring your vehicle is most likely required but also gives you several important benefits.

The benefits of buying enough insurance outweigh the cost, especially with large liability claims. On average, a vehicle owner in Lexington overpays as much as $750 every year so we recommend shopping around at least once a year to make sure the price is not too high.

Keep this in mind when shopping around

As you shop your coverage around, you should never buy poor coverage just to save money. There are many occasions where an insured dropped physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.

Cheap Acura TSX insurance in Lexington is possible on the web and with local Lexington insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers may not offer price quotes online and usually these smaller companies sell through independent agents.

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