Compare Acura TSX Insurance Quotes in Tampa

It’s easy to assume that car insurance companies don’t want you to compare rates. Consumers who compare other rates will presumably buy a different policy because the odds are good of finding more affordable rates. A recent survey revealed that people who routinely shopped for cheaper coverage saved an average of $850 each year as compared to drivers who never compared other company’s rates.

If saving money on Acura TSX insurance in Tampa is the reason for your visit, knowing how to quote and compare car insurance can help simplify the process.

Insurance quote for Acura TSX in TampaIt takes a little time, but the best way to get the cheapest auto insurance rates in Tampa is to make a habit of comparing prices annually from insurance carriers who sell auto insurance in Florida. Rate comparisons can be done by following these steps.

  1. Try to learn about the coverage provided by your policy and the measures you can take to prevent high rates. Many policy risk factors that cause rate increases such as traffic citations, accidents, and an unacceptable credit history can be eliminated by being financially responsible and driving safely.
  2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agents can provide price quotes for many different companies.
  3. Compare the new rates to the premium of your current policy to see if a cheaper rate is available. If you find a lower rate quote and switch companies, make sure there is no coverage gap between policies.
  4. Provide proper notification to your current company of your decision to cancel your existing policy and submit a down payment along with a completed application to your new company or agent. Once coverage is bound, place your new certificate verifying proof of insurance in an accessible location in your vehicle.

A good piece of advice is to compare the same level of coverage on every quote and and to look at as many car insurance companies as possible. Doing this helps ensure a level playing field and the most accurate and complete price analysis.

Compare quotes for Tampa Acura TSX insurance

The providers in the list below offer price comparisons in Tampa, FL. To buy cheap car insurance in Florida, it’s a good idea that you get rate quotes from several of them in order to find the most competitive rates.

Rates and data analysis

The price information shown next covers a range of coverage costs for Acura TSX models. Being able to understand how insurance quotes are formulated is important for you to make smart choices when purchasing an insurance policy.

Acura TSX Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $398 $878 $430 $26 $128 $1,860 $155
TSX Technology Package $398 $878 $430 $26 $128 $1,860 $155
Get Your Own Custom Quote Go

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in vehicle garaging location which can decrease or increase coverage rates considerably.

Where to set your deductibles

A question often asked by Tampa drivers is where to set your physical damage deductibles. The data tables below can help illustrate the rate differences between low and high policy deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.

Acura TSX insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $364 $640 $354 $20 $106 $1,509 $126
TSX Technology Package $364 $640 $354 $20 $106 $1,509 $126
Get Your Own Custom Quote Go

Acura TSX insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $224 $402 $354 $20 $106 $1,106 $92
TSX Technology Package $224 $402 $354 $20 $106 $1,106 $92
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in specific zip code location which can revise auto insurance rates greatly.

Based on the data above, we can derive that using a $250 deductible costs about $34 more each month or $408 a year than buying the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 22 months between claim filings, you would come out ahead if you opt for a higher deductible. Here is an example of how we made this calculation.

Average monthly premium for $250 deductibles: $126
Average monthly premium for $1,000 deductibles (subtract): – $92
Monthly savings from raising deductible: $34
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

One important caveat is that raising deductibles to get cheaper rates results in more money out-of-pocket when you file a claim. That will necessitate enough money put aside in the event you have to pay more to get your vehicle repaired.

Gender differences in insurance premiums

The chart below visualizes the comparison of Acura TSX yearly insurance costs for male and female drivers. The prices are based on no claims or driving violations, full physical damage coverage, $100 deductibles, single status, and no policy discounts are applied.

Tampa insurance discounts for an Acura TSX

Insurance can be prohibitively expensive, but you may qualify for discounts that can dramatically reduce your bill. Many discounts should be triggered when you quote, but a few need to be specially asked for before you will receive the discount.Cheaper car insurance with discounts

A little disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, nobody gets a free ride.

The chart below compares Acura TSX car insurance rates with and without discounts applied to the policy premium. The data is based on a female driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, safe-driver, multi-policy, and homeowner discounts applied.

A few popular companies and the discounts they provide are shown below.

If you are trying to find the cheapest Acura TSX rate quotes, ask all companies you are considering to give you their best rates. Savings might not be offered on policies in Tampa. To see providers that offer the discounts shown above in Florida, click here to view.

Choosing the best Acura TSX insurance in Florida is an important decision

Despite the high cost, buying auto insurance may be required for several reasons.

First, the majority of states have mandatory insurance requirements which means you are required to buy a specific level of liability insurance if you drive a vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your Acura TSX has a lienholder, it’s most likely the lender will make it a condition of the loan that you carry insurance to protect their interest in the vehicle. If the policy lapses, the lender will be forced to insure your Acura at a more expensive rate and require you to pay the higher price.

Third, insurance protects not only your Acura TSX but also your financial assets. It will also reimburse you for hospital and medical expenses incurred in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance greatly outweigh the cost, especially with large liability claims. The average driver in America is wasting up to $810 a year so it’s important to compare rates each time the policy renews to ensure rates are competitive.

Tailor your auto insurance coverage to you

Always remember that when buying the best auto insurance coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique and your policy should reflect that.Safe vehicles cost less to insure
For example, these questions might help in determining if your situation may require specific advice.

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.

Compare rate quotes but buy from a local neighborhood Tampa car insurance agent

Many drivers prefer to buy from a local agent and that is OK! Professional agents can help you choose the best coverages and help submit paperwork. A good thing about price shopping on the web is you can get cheap rate quotes but also keep your business local. And providing support for local insurance agencies is still important in Tampa.

Insurance agency in TampaAfter filling out this form (opens in new window), the quote information is emailed to insurance agents in Tampa who will give you bids to get your business. You won’t need to leave your computer due to the fact that quote results will go to the email address you provide. If you wish to get a rate quote from a specific company, you can always find their quoting web page and give them your coverage information.

When looking for a good insurance agency, there are a couple of different agency structures to choose from. Agents in Tampa can either be independent agents or exclusive agents. Both types of agents can sell auto insurance policies, but it’s a good idea to understand the subtle differences since it can affect your agent selection.

Independent Agents (or Brokers)

These agents are appointed with more than one company so they can write business with lots of companies and find the cheapest rate. If premiums increase, they simply switch companies in-house which is easy for the insured.

If you are trying to find cheaper rates, you should always include independent agents to ensure the widest selection of prices. Most also have access to companies that do not advertise much which may provide better rates.

Shown below is a partial list of independent agencies in Tampa that may be able to give free auto insurance quotes.

View more Tampa agents

Exclusive Agents

These agents can only quote rates from one company like Farmers Insurance and State Farm. These agents are not able to compare other company’s rates so keep that in mind. Exclusive agents receive a lot of sales training in insurance sales which aids in selling service over price. Consumers frequently buy from exclusive agents mostly because of the brand legacy rather than low rates.

Shown below are Tampa exclusive insurance agents willing to provide price quote information.

View more Tampa agents

Finding the right insurance agent should include more criteria than just the premium amount. Ask your prospective agent these questions: