Acura TSX Insurance Rate Quotes in Louisville

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Insurance for Acura TSXTruthfully, the best way to get more affordable car insurance rates is to compare prices at least once a year from insurance carriers in Louisville. You can compare rates by completing these steps.

  1. Read about how your policy works and the measures you can control to drop your rates. Many rating criteria that drive up the price such as accidents, traffic tickets, and a less-than-favorable credit score can be eliminated by making lifestyle changes or driving safer.
  2. Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like Progressive or Allstate, while agents who are independent can provide prices for a wide range of insurance providers. Get quotes now
  3. Compare the new rate quotes to your existing coverage to see if cheaper TSX coverage is available in Louisville. If you find a better price and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

The most important part of shopping around is to make sure you enter the same coverage limits and deductibles on every quote request and and to get price estimates from every insurance company. This ensures a fair price comparison and the best price selection.

Astonishing but true according to a recent study, the vast majority of insurance customers kept their coverage with the same insurance company for four years or more, and nearly 40% of drivers have never compared rates to find lower-cost insurance. Louisville consumers could save up to 30% each year just by shopping around, but they don't believe how much money they would save if they replace their high priced policy.

The companies shown below provide price comparisons in Kentucky. If you want cheap auto insurance in Kentucky, we recommend you visit two to three different companies to get a more complete price comparison.

Acura TSX insurance coverage information

The premium information shown below covers estimates of insurance rates for Acura TSX models. Being aware of how insurance policy premiums are formulated can be valuable when making smart choices when selecting a coverage provider.

Acura TSX Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $308 $586 $284 $16 $84 $1,278 $107
TSX Technology Package $308 $586 $284 $16 $84 $1,278 $107
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in specific location information which can decrease or increase prices considerably.

Should you raise deductibles?

The hardest decision when buying coverage is at what level do you set your deductibles. The following insurance rates illustrate the differences in price of buying low and high coverage deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second data table uses a $1,000 deductible.

Acura TSX insurance prices 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
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Acura TSX insurance prices 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 based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can impact insurance rates significantly.

Based on the figures above, using a $100 deductible costs about $37 more each month or $444 annually than buying the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 24 months between claim filings, you would come out ahead if you opt for a higher deductible.

How to determine if a higher deductible is a good idea

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

The information below shows how choosing a deductible and can affect Acura TSX insurance costs for different age categories. The costs are based on a married male driver, comp and collision included, and no policy discounts are applied.

Impact of violations and accidents on rates

The illustration below illustrates how violations and accidents drive up Acura TSX insurance costs for different ages of insureds. The prices are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Six Tips to Get Lower-cost Louisville Insurance Premiums

Part of the auto insurance buying process is learning some of the factors that aid in calculating your policy premiums. If you have a feel for what impacts premium levels, this enables informed choices that can help you get big savings. Lots of things are used in the calculation when quoting car insurance. Some are pretty understandable such as your driving record, but other criteria are less obvious like your vehicle usage or how financially stable you are.

The items below are some of the factors used by your company to calculate your rates.

Save annual miles and save money - Driving a lot of miles every year the higher your rate. A lot of companies charge rates based upon how much you drive. Cars and trucks left parked in the garage get more affordable rates than cars that get driven a lot. Double check that your auto insurance coverage states the proper vehicle usage, because it can save money. Having an incorrect usage rating on your TSX may be costing you higher rates.

Auto insurance rates and your occupation - Careers like military personnel, police officers, and financial analysts generally pay higher average rates in part from intense work situations and lots of time spent away from family. On the other hand, occupations such as farmers, historians and homemakers get better rates.

You might pay more if you are single - Walking down the aisle may earn you lower rates compared to being single. Having a spouse generally demonstrates drivers are more financially stable and insurance companies like that being married results in fewer claims.

Better auto insurance rates with anti-theft devices - Choosing a vehicle with a theft deterrent system can save you some money. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping vehicle theft.

More people means more accidents - Having an address in a rural area is a good thing when buying auto insurance. People in densely populated areas have traffic congestion and longer commute times. Fewer people means fewer accidents and a lower car theft rate.

High credit rating translates to low premiums - Your credit rating will be a significant factor in determining what you pay. Therefore, if your credit can use some improvement, you could save money insuring your Acura TSX by improving your rating. Insureds with good credit tend to be more responsible and file fewer claims than drivers with poor credit scores.

Car insurance is an important decision

Despite the high insurance cost for a Acura TSX in Louisville, paying for car insurance is not optional due to several reasons.

  • The majority of states have mandatory liability insurance requirements which means you are required to carry specific limits of liability if you want to drive legally. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you have a loan on your Acura TSX, it's most likely the lender will force you to have full coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank or lender will purchase a policy for your Acura at a much higher rate and require you to reimburse them the higher price.
  • Insurance safeguards not only your vehicle but also your assets. It will also cover hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of insuring your car outweigh the cost, especially when you need to use it. Today the average American driver is overpaying more than $855 a year so it's recommended you shop around at least once a year to ensure rates are inline.