Insurance quote for Acura TSX in EvansvilleAre you sick and tired of trying to scrape together enough money to insure your Acura every month? You're in the same situation as most other consumers in Indiana.

Amazingly, the vast majority of Indiana car insurance customers have bought car insurance from the same company for at least four years, and approximately 40% of consumers have never compared car insurance rates at all. Consumers in America can cut their rates by as much as $850 a year by just comparing quotes, but they just don't want to shop their coverage around.

Insurance companies such as GEICO, Progressive and Allstate all claim big savings with TV and radio ads and it can be hard to separate fact from fiction and take the time to shop coverage around.

If you have a current auto insurance policy, you will be able to find the best rates using the following tips. Locating the best insurance company for you in Evansville is really quite easy. But Indiana car owners must learn how companies calculate their prices and use it to your advantage.

Affordable auto insurance in Evansville, IN

The providers in the list below have been selected to offer price comparisons in Evansville, IN. If multiple companies are shown, we recommend you click on several of them in order to get a fair rate comparison.

Acura TSX Insurance Price Estimates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $130 $266 $270 $16 $80 $762 $64
TSX Technology Package $302 $632 $322 $20 $96 $1,372 $114
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Table data does not factor in specific location information which can increase or decrease price quotes greatly.

Full coverage or liability only

The information below illustrates the difference between Acura TSX annual premium costs with full physical damage coverage compared to only buying liability only. The costs are based on no claims or violations, $500 deductibles, married female driver, and no discounts are applied to the premium.

Guidelines for eliminating full coverage

There is no set rule to eliminate comp and collision coverage, but there is a general convention. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your Acura TSX claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,000 after paying your policy deductible. If you are currently paying more than $500 a year for physical damage coverage, then it could be time to drop full coverage.

There are some scenarios where buying only liability insurance is not financially feasible. If you haven't satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Physical damage deductibles: Should you raise them?

The hardest decision when buying coverage is what deductibles to buy. The premium rates below outline the cost difference between high and low comp and collision deductibles. The first price estimate table uses a $100 deductible and the second rate chart uses a $1,000 deductible.

Acura TSX insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $272 $514 $238 $14 $72 $1,135 $95
TSX Technology Package $272 $514 $238 $14 $72 $1,135 $95
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Acura TSX insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $152 $270 $238 $14 $72 $746 $62
TSX Technology Package $152 $270 $238 $14 $72 $746 $62
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Information does not factor in your specific Evansville location which can raise or lower coverage prices substantially.

Based on the above data, using a $100 deductible will cost in the ballpark of $33 more each month or $396 for a full year than choosing the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 27 months between claim filings, you would come out ahead by going with a higher deductible. Here's how this decision is made.

Average monthly premium for $100 deductibles: $95
Average monthly premium for $1,000 deductibles (subtract): - $62
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

Drive safe and save

The diagram below illustrates how violations and at-fault claims can drive up Acura TSX insurance costs for different age groups of insureds. The data assumes a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

You may qualify for discounts for Acura TSX insurance in Evansville

Companies offering auto insurance don't list every possible discount very clearly, so the next list breaks down a few of the more common and the more hidden credits available to bring down your rates.Discount insurance

Just know that some credits don't apply to all coverage premiums. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, you aren't that lucky. Any amount of discount should help lower the cost of your policy.

Large insurance companies and a partial list of their discounts are shown below.

If you are trying to find the cheapest Acura TSX rate quotes, ask all companies you are considering how you can save money. Savings may not be offered in Evansville. To choose insurers with the best discounts in Evansville, click this link.

Acura TSX Insurance Cost Factors

Lots of factors are taken into consideration when you get a price on insurance. A few of the factors are predictable such as your driving history, but some are more obscure such as whether you are married or your commute time.

Insure car and home with the same company - Most insurers will award a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even if you already get this discount, you still need to compare other Evansville TSX insurance rates to make sure you are getting the best deal.There is a chance you can find lower rates by splitting coverages up.

File a claims and pay more - If you frequently file small claims, don't be surprised to see either higher rates or even cancellation. Auto insurance companies in Indiana provide the lowest premiums to people who do not file claims often. Insurance coverage is intended for major claims that would cause financial hardship.

Save annual miles and save money - The higher the mileage driven every year the more you will pay for insurance. A lot of companies charge to insure your cars based upon how the vehicle is primarily used. Autos that sit idle most of the time qualify for better rates than those used for commuting. An improperly rated TSX may be wasting your money. It's always a good idea to double check that your insurance policy is showing the correct driver usage, because improper ratings can cost you money.

Optional features impact prices - Selecting a car model with a theft deterrent system can help lower your rates. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent car theft.

Shop online but buy locally

Certain consumers just prefer to go talk to an agent and that is OK! One of the benefits of comparing rate quotes online is you may find cheap auto insurance rates and also buy local.

Evansville insurance agentsTo help locate an agent, after submitting this short form, the quote information is sent to agents in your area that can give you free Evansville auto insurance quotes and help you find cheaper coverage. You don't have to visit any agencies since price quotes are sent to you directly. You can find lower rates AND an agent nearby. If you want to compare rates from a specific company, you just need to find their quoting web page and give them your coverage information.

Deciding on an insurer shouldn't rely on just the price. Here are some questions you might want to ask.

When researching a reputable agency, there are two different types of agencies and how they operate. Auto insurance agents in Evansville can be classified as either independent agents or exclusive agents.

Exclusive Insurance Agencies

Exclusive agents work for only one company and examples are AAA, Allstate, and State Farm. Exclusive agents are unable to compare rates from other companies so if the price isn't competitive there isn't much they can do. Exclusive agents are highly trained on what they offer and that enables them to sell even at higher rates.

Listed below are exclusive insurance agencies in Evansville who can help you get comparison quotes.

2621 Stringtown Rd #4 - Evansville, IN 47711 - (812) 477-0542 - View Map

5310 Pearl Dr b - Evansville, IN 47712 - (812) 423-5491 - View Map

2319 W Franklin St - Evansville, IN 47712 - (812) 425-4200 - View Map

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Independent Auto Insurance Agents

Independent agencies are not locked into one company so they can insure your vehicles amongst many companies and help determine which has the cheapest rates. If they find a lower price, they simply move your policy to a different company and you don't have to switch agencies. If you need cheaper auto insurance rates, we recommend you get insurance quotes from independent agents to have the most options to choose from.

Listed below are independent agents in Evansville willing to provide price quote information.

Lancaster Insurance Agency
658 S Green River Rd - Evansville, IN 47715 - (812) 477-8883 - View Map

417 N Weinbach Ave #104 - Evansville, IN 47711 - (812) 402-9008 - View Map

1919 W Franklin St - Evansville, IN 47712 - (812) 437-3933 - View Map

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After talking to the agent and getting good responses as well as an affordable premium quote, most likely you have located an insurance agency that can service your policy. Just remember you can always cancel your coverage whenever you want so don't think you are locked into a specific agent with no way to switch.

Can switching companies really save?

Well-known car insurance companies like Progressive, Allstate and GEICO consistently run ads on TV and radio. All the ads advertise claims that you can save if you just switch your policy. How does every car insurance company say the same thing? It's all in the wording.

Most companies have specific criteria for the type of insured that will not have excessive claims. An example of this type of risk profile might be described as between the ages of 30 and 50, has no driving citations, and has great credit. A customer getting a price quote who fits that profile gets the lowest auto insurance rates and will probably cut their rates substantially.

Drivers who cannot meet this ideal profile may be required to pay higher rates and ends up with the customer not buying. If you pay close attention to the ads, they say "customers who switch" not "all people who quote" save that much money. That's why insurance companies can lure you into getting a quote. Because each company has a different risk profile, you need to compare quotes as often as possible. Because you never know which insurance companies will have the lowest Acura TSX insurance in Evansville.

Shop around and save

We covered some good ideas how to compare Acura TSX insurance rates in Evansville. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even find the most savings is with an unexpected company. They may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

Cost effective Acura TSX insurance can be sourced on the web as well as from independent agents in Evansville, and you should be comparing both so you have a total pricing picture. There are still a few companies who don't offer the ability to get quotes online and most of the time these smaller companies work with independent agents.

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