Affordable Acura TSX Insurance in Houston

Did you come to the realization that you have an overpriced auto insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Sadly, 70% of consumers have purchased from the same company for at least four years, and just under half have never taken the time to shop around. Texas drivers could save approximately $1,800 each year, but most just don’t grasp the large savings they would see if they swap their current policy for a cheaper one. Because there are so many different company options, it’s nearly impossible to locate the most cost effective auto insurance company.

You should make it a habit to compare premium rates quite often due to the fact that insurance prices are constantly changing. Just because you had the lowest price on Acura TSX insurance in Houston a couple years back other companies may now be cheaper. There are lots of tips to save on TSX insurance online but I’m going to show you a lot of great tips on how to slash your auto insurance rates in Houston.

The fastest way that we advise to get rate comparisons for Acura TSX insurance in Houston utilizes the fact all the major auto insurance companies participate in online systems to give rate comparisons. To get started, all you need to do is give the companies some data including coverage limits, how much education you have, how much you drive, and if your license is active. Your rating data is submitted instantly to many highly-rated insurers and you will get price comparisons quickly.

If you would like to start a quote now, click here and enter your zip code.

The auto insurance companies shown below offer price quotes in Texas. If more than one company is shown, we recommend you click on several of them in order to find the lowest rates.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in specific garaging location which can affect premiums greatly.

Comparison of auto insurance rates by gender

The example below visualizes the comparison of Acura TSX insurance rates for male and female drivers. The premiums assume no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no other discounts are factored in.

How high should deductibles be?

One frequently asked question is the level to set your comp and collision deductibles. The comparison tables below summarize how much more rates are when you select higher and lower coverage deductibles. The first rate table uses a $250 physical damage deductible and the second set of prices uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rate quotes do not factor in specific location which can decrease or increase auto insurance rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible costs about $30 more each month or $360 every year than choosing the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 25 months between claim filings, you would come out ahead if you opt for a higher deductible.

An important thing to remember is that raising deductibles means you will have to cover more of the damage yourself when you have a claim. That will require enough money in the bank in the event you have to pay the deductible.

Should you buy full coverage?

The illustration below shows the comparison of Acura TSX insurance rates with full physical damage coverage and with liability coverage only. The prices are based on no driving violations, no at-fault accidents, $1,000 deductibles, married female driver, and no discounts are applied to the premium.

Should you be buying full coverage?

There is no written rule for eliminating physical damage coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s pretend your Acura TSX settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $3,000 after you pay the deductible. If premium cost is more than $300 a year for full coverage, then it may be the right time to buy liability only.

There are some scenarios where only buying liability is not recommended. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Affordable rates with discounts

Car insurance can be pricey, but you may find discounts to help offset the cost. A few discounts will automatically apply when you complete an application, but some must be requested specifically before you get the savings.

• Theft Deterrent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• Driver Education Discount – It’s a good idea to have your young drivers enroll and complete driver’s education if offered at their school.
• Organization Discounts – Affiliation with a professional or civic organization is a good way to get lower rates on your policy.
• No Charge for an Accident – Not a discount per se, but companies like State Farm and Allstate allow you one accident before raising your premiums if you have no claims for a set time period.
• Telematics Data Discounts – Insureds who allow their car insurance company to spy on where and when they drive by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they exhibit good driving behavior.

We need to note that some credits don’t apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like all those discounts means the company will pay you, you’re out of luck. But all discounts will positively reduce your car insurance premiums.

Larger car insurance companies and their offered discounts include:

• State Farm has savings for student away at school, multiple autos, multiple policy, Steer Clear safe driver discount, good student, and safe vehicle.
• American Family offers premium reductions for TimeAway discount, air bags, accident-free, multi-vehicle, mySafetyValet, and good driver.
• GEICO includes discounts for good student, daytime running lights, five-year accident-free, defensive driver, seat belt use, anti-theft, and federal employee.
• 21st Century has discounts for early bird, student driver, good student, automatic seat belts, defensive driver, anti-lock brakes, and air bags.
• Progressive policyholders can earn discounts including online signing, online quote discount, homeowner, good student, and multi-vehicle.

When getting a coverage quote, ask every company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply in Houston.

Buying from car insurance agents

Many drivers just want to buy from a licensed agent and that is OK! Experienced insurance agents can help you build your policy and help file insurance claims. One of the great benefits of getting online price quotes is that you can find cheap car insurance rates but still work with a licensed agent.

After completing this form (opens in new window), your insurance coverage information gets sent to local insurance agents in Houston who can give free rate quotes for your car insurance coverage. You won’t need to do any legwork because prices are sent directly to you. If you have a need to get a rate quote from a specific insurance company, just jump over to their website and fill out the quote form the provide.

Picking the best company requires more thought than just the quoted price. Here are some questions you should ask.

• Is the agent CPCU or CIC certified?
• Do they review policy coverages at every renewal?
• Is the agent properly licensed in Texas?
• What insurance companies do they work with in Houston?
• Can you contact them at any time?
• If independent agents, which companies do they recommend?

Below are agents in Houston that may be able to provide price quote information for Acura TSX insurance in Houston.

View more Houston agents

Informed Consumers Can Reduce Insurance Rates

One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that come into play when calculating the level of your policy premiums. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that will entitle you to lower premium levels.

The itemized list below are some of the things used by insurance companies to determine your rate level.

• Long commutes cost more – Driving a lot of miles in a year the more it will cost to insure it. Most insurance companies charge rates based on how the vehicle is used. Vehicles that are left in the garage cost less to insure as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your policy reflects annual mileage. A policy that improperly rates your TSX is throwing money out the window.
• More traffic means higher claims – Living in areas with lower population may provide you with better prices when talking about car insurance. Fewer drivers corresponds to lower accident rates in addition to fewer liability claims. Urban drivers have much more traffic and higher rates of accident claims. Spending more time driving means more chances of being involved in an auto accident.
• Drivers with responsible credit save on car insurance – Having a good credit history can be an important factor in determining your rates. If your credit can be improved, you may save money insuring your Acura TSX if you clean up your credit. Insureds that have very good credit scores tend to be more responsible than drivers with bad credit.
• What’s your car’s NHTSA crash test rating? – Cars with five star safety ratings cost less to insure. Vehicles built for safety help reduce the chance of injuries in an accident and better occupant protection means lower claim amounts and thus lower rates. If your Acura is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.

Why you need Acura TSX insurance in Texas

Despite the potentially high cost of Acura TSX insurance, buying car insurance is required in Texas but also provides important benefits.

• Just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability protection if you don’t want to risk a ticket. 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 have a loan on your Acura, almost every bank will have a requirement that you buy insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may insure your Acura at a much higher premium rate and require you to reimburse them for it.
• Car insurance preserves not only your Acura but also your assets. It will also reimburse you for hospital and medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of buying enough insurance definitely exceed the price paid, especially for larger claims. But the average American driver is overpaying more than $865 each year so you should quote rates at every policy renewal to ensure rates are inline.

More effort can pay off

Lower-priced auto insurance in Houston can be purchased on the web and with local Houston insurance agents, and you should compare rates from both to have the best selection. A few companies do not provide rates over the internet and most of the time these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, someone sacrificed full coverage to discover at claim time that they should have had better coverage. Your objective should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Helpful learning opportunities

• Frontal Crash Tests (iihs.org)
• Who Has Affordable Car Insurance Quotes for First-time Drivers in Houston? (FAQ)
• Understanding Car Crashes Video (iihs.org)
• Determing Auto Insurance Rates (GEICO)
• A Tree Fell on Your Car: Now What? (Allstate)
• What is Full Coverage? (Allstate)