Compare Acura TSX Insurance Quotes in San Antonio

Want to learn how to save money and find lower-priced car insurance rates in San Antonio, TX? San Antonio buyers have many options when searching for affordable Acura TSX insurance. You can either spend your time struggling with agents getting price quotes or utilize the internet to compare rates. There is a better way to compare car insurance rates so we’re going to tell you the best way to get price quotes on a Acura and obtain the lowest possible price from San Antonio insurance agents and online providers.

Finding affordable insurance coverage in San Antonio can be made easier if you know where to look. If you are insured now, you will be able to get lower rates using the ideas you’re about to read. Comparison shoppers just have to understand the best way to find the lowest price online.

The car insurance companies shown below are ready to provide quotes in San Antonio, TX. If multiple companies are listed, it’s a good idea that you visit two to three different companies to get the most competitive price.

Car insurance does more than just protect your car

Despite the high insurance cost for a Acura TSX in San Antonio, maintaining insurance is not optional due to several reasons.

• Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability coverage in order to drive the car. 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 your TSX has a loan, almost every bank will have a requirement that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender may insure your Acura for a lot more money and require you to pay for the much more expensive policy.
• Insurance protects not only your Acura but also your assets. It will also pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage will also pay attorney fees in the event you are sued. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance more than cancel out the cost, especially with large liability claims. The average driver in Texas is overpaying more than $800 each year so you should quote and compare rates once a year at a minimum to help ensure money is not being wasted.

Detailed insurance information

The data table below outlines different insurance policy prices for Acura TSX models. Learning a little about how insurance quotes are determined can help guide drivers when making informed coverage decisions.

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in specific zip code location which can raise or lower prices greatly.

Physical damage deductibles

One of the more difficult decisions when buying car insurance is where to set your physical damage deductibles. The following tables may help to illustrate how much more rates are between high and low policy deductibles. The first data set uses a $100 deductible and the second price chart uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can revise coverage prices greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $29 more each month or $348 annually than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average at least 14 months between claims, you would probably be better off by going with a higher deductible.

Liability only or full coverage

The chart below illustrates the comparison of Acura TSX insurance costs with and without physical damage coverage. The prices are based on no violations or claims, $100 deductibles, drivers are single, and no policy discounts are applied.

When to drop comprehensive and collision coverage

There is no set guideline of when to eliminate comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Acura TSX replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after paying your policy deductible. If premium cost is more than $200 annually for physical damage coverage, then you might want to think about dropping full coverage.

There are a few situations where dropping full coverage is not in your best interest. If you haven’t paid off your loan, you have to carry full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

San Antonio insurance discounts

Companies don’t always advertise the complete list of policy discounts in a way that’s easy to find, so we took the time to find both well-publicized and also the lesser-known discounts that you may qualify for.

• Senior Discount – Drivers over the age of 55 may be able to get a discount up to 10%.
• Discount for Home Ownership – Just owning your own home may trigger a policy discount on insurance since owning and maintaining a home demonstrates responsibility.
• Defensive Driver Discount – Taking part in a driver safety class could earn you a small percentage discount and easily recoup the cost of the course.
• Active Service Discounts – Being on active deployment in the military could trigger a small discount.
• Student in College – Older children who are enrolled in a college that is more than 100 miles from San Antonio without a vehicle on campus may qualify for this discount.
• Driving Data Discount – Drivers who elect to allow their insurance company to look at driving patterns remotely such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if their driving habits are good.

You can save money using discounts, but some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think you could get a free insurance policy, it just doesn’t work that way.

The information below illustrates the comparison of Acura TSX insurance costs with and without discounts being applied to the rates. The rate quotes are based on a male driver, a clean driving record, no claims, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, multi-car, safe-driver, and claim-free discounts applied.

Larger insurance companies and their offered discounts can be read below.

• Travelers has savings for save driver, new car, driver training, IntelliDrive, multi-car, and multi-policy.
• 21st Century offers premium reductions for defensive driver, student driver, good student, teen driver, anti-lock brakes, and air bags.
• State Farm policyholders can earn discounts including multiple policy, anti-theft, good student, defensive driving training, good driver, student away at school, and multiple autos.
• GEICO may offer discounts for multi-vehicle, anti-lock brakes, emergency military deployment, membership and employees, seat belt use, multi-policy, and good student.
• SAFECO may include discounts for teen safe driver, anti-theft, anti-lock brakes, drive less, bundle discounts, and accident prevention training.
• AAA has discounts for education and occupation, multi-policy, multi-car, pay-in-full, and anti-theft.

Double check with all the companies how many discounts you can get. A few discounts might not be offered in your area. To locate insurers that offer discounts in Texas, click here to view.