Compare Acura TSX Insurance Quotes in Durham

It takes a little time, but the best way to get cheaper car insurance rates is to regularly compare prices from companies in Durham.

1. Read and learn about how auto insurance works and the changes you can make to prevent high rates. Many things that are responsible for high rates like speeding and bad credit can be remedied by making minor changes to your lifestyle. Keep reading for the details to help prevent costly coverage and find possible discounts that are available.
2. Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can provide price quotes from multiple sources.
3. Compare the new rates to your existing policy to determine if you can save on TSX insurance. If you find better rates and change companies, make sure there is no coverage gap between policies.
4. Notify your current company of your intent to cancel your current coverage. Submit a down payment and signed policy application to the new company. Immediately place the new certificate of insurance above your visor, in the console, or in the glove compartment.

One key aspect when comparing rates is that you use the same liability limits and deductibles on every price quote and and to get rates from as many companies as possible. Doing this ensures an apples-to-apples comparison and the best rate selection.

It’s an obvious conclusion that car insurance companies want to keep you from comparing prices. Drivers who compare other rates are very likely to switch to a new company because there is a good chance of finding a lower-priced company. A recent survey discovered that consumers who regularly shopped around saved $3,500 over four years as compared to drivers who never compared other company’s rates.

If finding low prices for insurance in Durham is your ultimate target, then having some insight into how to quote prices and compare coverages can save time and money.

Locating the best rates in Durham is really not that difficult. If you’re already insured, you will surely be able to find the best rates using these tips. But North Carolina car owners need to learn how big insurance companies price insurance differently because it varies considerably.

Best companies for Acura TSX insurance

The companies shown below are our best choices to provide free quotes in Durham, NC. If multiple companies are listed, it’s a good idea that you visit two to three different companies to find the most affordable car insurance rates.

Coverage statistics and figures

The rate table displayed next highlights estimates of insurance costs for Acura TSX models. Having a better idea how auto insurance premiums are figured can aid in making decisions when choosing a new policy provider.

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in vehicle garaging location which can revise rates noticeably.

Physical damage deductibles: Should you raise them?

When shopping for car insurance, a common question is how high or low should comp and collision deductibles be. The following insurance rates outline the differences in premium rates when you choose different physical damage coverage deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Information does not factor in specific garaging location which can increase or decrease insurance rates substantially.

Based on this data, using a $100 deductible costs roughly $20 more each month or $240 each year than choosing the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you go at least 20 months between claims, you would probably come out ahead if you decide on a higher deductible.

The illustration below demonstrates how deductibles and can influence Acura TSX insurance premiums for different age categories. The price estimates are based on a single female driver, comp and collision included, and no policy discounts are applied.

Rate comparison of full coverage and liability-only

The diagram below visualizes the comparison of Acura TSX yearly insurance costs when comparing full coverage to state minimum liability only. The price estimates are based on no accidents or driving violations, $250 deductibles, marital status is single, and no policy discounts are applied.

Should you buy full coverage or liability only?

There is no exact rule that is best for determining when to drop full coverage, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s say your Acura TSX settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $3,000 after paying your deductible. If it’s costing in excess of $300 a year for full coverage, then you might want to think about dropping full coverage.

There are some conditions where only buying liability is not recommended. If you still have a lienholder on your title, you have to keep full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not buy liability only.

Durham insurance discounts for an Acura TSX

Some insurance providers don’t necessarily list every discount available very well, so we break down both well-publicized and also the lesser-known credits available to lower your premiums when you buy Durham auto insurance online.

• Seat Belts Save – Drivers who require all occupants to buckle up before driving can save a little off the PIP or medical payment premium.
• Discounts for Multiple Vehicles – Having several vehicles on the same car insurance policy qualifies for this discount.
• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance.
• Save with a New Car – Putting insurance coverage on a new TSX can be considerably cheaper compared to insuring an older model.
• Senior Citizens – Mature drivers are able to get a small discount on rates.
• Renewal Discounts – A few car insurance companies give discounts for signing up before your current expiration date. Ten percent is about the average savings.
• Discounts for Cautious Drivers – Drivers who avoid accidents can save as much as half off their rates than drivers with accident claims.
• Active Service Discounts – Having an actively deployed family member could trigger a small discount.
• Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
• Safety Course Discount – Participating in a course teaching defensive driver skills could earn you a small percentage discount and easily pay for the cost of the class.

Drivers should understand that some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you could get a free car insurance policy, companies wouldn’t make money that way. But any discount should help lower your car insurance premiums.

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

A few companies that may include some of the discounts shown above may include but are not limited to:

• State Farm
• GEICO
• SAFECO
• Farmers Insurance
• AAA
• USAA

When getting a coverage quote, ask every company which credits you are entitled to. Discounts might not be offered on policies in your area.

Informed Consumers Know How to Quote Auto Insurance for Less

Many different elements are part of the equation when quoting car insurance. Some are pretty understandable like your driving record, although some other factors are not as apparent like where you live or how safe your car is.

• Drive fewer miles and save – Driving more miles in a year the more you’ll pay to insure your vehicle. Most companies charge rates based on how the vehicle is used. Cars left parked in the garage cost less to insure than vehicles that have high annual mileage. It’s always a good idea to double check that your auto insurance declarations sheet correctly shows the proper vehicle usage, because it can save money. Having the wrong rating on your TSX is throwing money out the window.
• Little extras can really add up – There are a lot of extra coverages that you can get tricked into buying if you don’t pay attention. Insurance for vanishing deductibles, accidental death, and Farm Bureau memberships may not be needed and are just wasting money. These may sound like a good investment initially, but if you don’t need them remove them and pocket the money.

• Don’t get traffic citations – Getting just one ticket may cause rates to rise by twenty percent. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Drivers with multiple violations such as DUI, reckless driving or excessive speeding may need to maintain a SR-22 with their state in order to continue driving.

  The diagram below illustrates how violations and at-fault claims impact Acura TSX premium costs for each different age category. The premiums are based on a single male driver, full coverage, $100 deductibles, and no other discounts are factored in.

• Premiums drop with age – Youthful drivers in North Carolina have been known to be careless and easily distracted with other occupants in the car so auto insurance rates are higher. Having to add a first-time driver onto your auto insurance can be quite pricey. More experienced drivers are more responsible, tend to cause fewer accidents, and usually have better credit.

  The chart below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Lower prices with theft deterrents – Driving a car with anti-theft technology or alarm system can save you some money. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent car theft and help bring rates down.
• Drive a safer car and pay less – Safer cars get lower rates. Safer cars result in less severe injuries and fewer injuries means less claims paid and more competitive rates for policyholders.

Car insurance quotes from local Durham insurance agents

A small number of people would prefer to get professional advice from a licensed agent and we recommend doing that One of the benefits of getting online price quotes is you can get cheap car insurance rates but still work with a licensed agent.

After completing this short form, the coverage information is instantly submitted to local insurance agents that provide free Durham auto insurance quotes to get your business. It makes it easy because there is no need to visit any agencies as quotes are delivered to you instantly. You’ll get the best rates without a big time investment. If for some reason you want to compare rates from a particular provider, just go to their quote page to submit a rate quote request.

Choosing an company requires more thought than just a cheap quote. Agents should be asked these questions:

• How many years of experience in personal auto insurance do they have?
• Is the agent properly licensed in North Carolina?
• Does their agency support local causes in Durham?
• Do they have designations such as AIC, CPCU, or CIC?
• Are they in the agency full-time?
• Is assistance available after office hours?

If you’re trying to find a reputable agency, there are a couple of types of insurance agents that you can select. Durham agents can be categorized as either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

Agents in the exclusive channel normally can only provide a single company’s rates and some examples include State Farm, Allstate and AAA. These agents are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents. Consumers frequently use the same agent mainly due to the brand rather than low rates.

Shown below are Durham exclusive agents who can help you get price quotes.

• Nationwide Insurance: Andrew F Jones
  5242 Roxboro Rd Ste C – Durham, NC 27712 – (919) 477-7666 – View Map
• Marty Lindsey – State Farm Insurance Agent
  1852 Hillandale Rd – Durham, NC 27705 – (919) 479-9671 – View Map
• Ken Carver – State Farm Insurance Agent
  2905 Guess Rd #2 – Durham, NC 27705 – (919) 471-0011 – View Map

View more Durham agents

Independent Agencies or Brokers

These agents often have affiliation with several companies and that is an advantage because they can write policies through lots of different companies and get the cheapest rates. If you are not satisfied with one company, the business is moved internally which requires no work on your part. If you are comparing car insurance prices, it’s recommended you get rate quotes from several independent agencies to ensure the widest selection of prices. Most also write with companies that do not advertise much that may have much lower rates than larger companies.

Below is a short list of independent insurance agencies in Durham willing to provide price quotes.

• Tyson Insurance
  3814 N Duke St # A – Durham, NC 27704 – (919) 471-8222 – View Map
• The Insurance Pros, Inc.
  1210 Cole Mill Rd Suite 101 – Durham, NC 27705 – (919) 294-6613 – View Map
• Superior Insurance of Durham
  3825 S Roxboro St #118 – Durham, NC 27713 – (919) 224-8034 – View Map

View more Durham agents

After you get positive responses for all questions you ask as well as cheaper TSX insurance quotes, you have narrowed it down to a car insurance agent that meets the criteria to properly service your car insurance policy.

Find cheap rates by being thorough

We just covered a lot of ways to lower your Acura TSX insurance rates in Durham. The key thing to remember is the more price quotes you have, the better your chances of lowering your auto insurance rates. Consumers could even find that the best price on car insurance is with the least-expected company.

Drivers switch companies for a number of reasons such as high rates after DUI convictions, delays in responding to claim requests, poor customer service and even being labeled a high risk driver. No matter why you want to switch, finding the right car insurance provider can be easy and end up saving you some money.

When shopping online for car insurance, do not reduce coverage to reduce premium. In many cases, an accident victim reduced liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your objective should be to purchase plenty of coverage for the lowest cost.

Additional car insurance information is located on the following sites:

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Who Has Cheap Auto Insurance for Uber Drivers in Durham? (FAQ)
• Who Has Cheap Car Insurance for Inexperienced Drivers in Durham? (FAQ)
• How Much are Durham Car Insurance Quotes for Immigrants? (FAQ)
• Who Has Affordable Car Insurance Rates for a Toyota 4Runner in Durham? (FAQ)
• Distracted Driving Extends Beyond Texting (State Farm)
• How to Avoid Staged Accidents (State Farm)