Save Money on Acura TSX Insurance in Oakland

  1. Home
  2. >
  3. Oakland Auto Insurance
  4. >
  5. Acura TSX

Insurance for Acura TSXIf your goal is the lowest price, then the best way to get cheaper Acura TSX insurance in Oakland is to start doing an annual price comparison from companies in California. This can be done by completing these steps.

Step 1: Get a basic knowledge of what is in your policy and the things you can control to keep rates low. Many policy risk factors that cause rate increases like tickets, at-fault accidents, and poor credit history can be rectified by being financially responsible and driving safely.

Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like GEICO or Allstate, while independent agencies can give you price quotes from multiple insurance companies.

Step 3: Compare the price quotes to your existing policy to see if a cheaper price is available in Oakland. If you can save money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Give proper notification to your current agent or company to cancel your current policy and submit a down payment along with a completed application to your new carrier. When you receive it, place the new proof of insurance paperwork in an easily accessible location in your vehicle.

An essential thing to point out is to compare the same physical damage deductibles and liability limits on each quote and and to get rates from as many auto insurance providers as possible. Doing this enables a level playing field and a better comparison of the market.

Astonishing but true, about 70% of customers have remained with the same auto insurance company for a minimum of four years, and 38% of drivers have never compared auto insurance rates at all. American insurance shoppers can save hundreds of dollars each year, but most just don't grasp the big savings they would realize if they switched to a more affordable policy.

Finding the cheapest coverage in Oakland is quite easy. If you have a policy now, you will definitely be able to shop for the lowest rates using the ideas presented in this article. Drivers only need to know the most efficient way to shop for car insurance from multiple carriers.

The majority of larger companies like 21st Century, Allstate and State Farm make it easy to get coverage price quotes on the web. Getting quotes for Acura TSX insurance in Oakland is quite easy as you just enter your required coverages as detailed in the form. Upon sending the form, the quote system automatically retrieves your driving record and credit report and returns a price. This makes comparing rates easy, and it is imperative to perform this step if you want to find a lower rate.

If you want to compare rates using this form now, check out the auto insurance providers below. If you have coverage now, it's recommended you duplicate coverages and limits exactly as shown on your declarations page. This makes sure you're receiving a price comparison using the exact same coverages.

The companies shown below have been selected to offer price quotes in California. To buy cheap car insurance in California, we recommend you visit as many as you can to get a more complete price comparison.

Score discounts on Oakland car insurance

Companies offering auto insurance do not list every policy discount very well, so the list below details some of the best known as well as the least known credits available to you.Cheaper car insurance with discounts

  • Driving Data Discount - People who choose to allow their insurance company to analyze where and when they drive through the use of a telematics system like In-Drive from State Farm and Progressive's Snapshot could save a few bucks if their driving habits are good.
  • Anti-lock Brake System - Cars and trucks with anti-lock braking systems are much safer to drive and earn discounts up to 10%.
  • Life Insurance Discount - If the company offers life insurance, you could get lower prices if you buy life insurance from them.
  • Paper-free Discount - Some of the larger companies will discount your bill up to fifty bucks shop Oakland auto insurance over the internet.
  • Multi-policy Discount - When you have multiple policies with one insurance company they may give you a discount of approximately 10% to 15%.

Discounts reduce rates, but you should keep in mind that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky.

The example below shows the difference between Acura TSX car insurance rates with and without discounts applied to the premium. The information is based on a female driver, no claims or violations, California 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 homeowner, safe-driver, multi-policy, multi-car, claim-free, and marriage discounts applied.

The best car insurance companies and a selection of discounts include:

  • GEICO may have discounts that include seat belt use, emergency military deployment, membership and employees, military active duty, air bags, and defensive driver.
  • MetLife discounts include defensive driver, good driver, claim-free, multi-policy, accident-free, and good student.
  • State Farm policyholders can earn discounts including passive restraint, anti-theft, Steer Clear safe driver discount, multiple policy, good driver, defensive driving training, and Drive Safe & Save.
  • Progressive may offer discounts for multi-vehicle, good student, multi-policy, homeowner, continuous coverage, online signing, and online quote discount.
  • Mercury Insurance offers premium reductions for multi-car, ease of repair, age of vehicle, good driver, and professional/association.
  • 21st Century includes discounts for air bags, anti-lock brakes, automatic seat belts, student driver, 55 and older, early bird, and driver training.
  • Allstate may include discounts for teenSMART discount, safe driver, EZ pay plan discount, passive restraint, multi-policy, and new car.

When quoting, ask each company or agent which discounts you qualify for. A few discounts may not apply to policyholders in Oakland. To see a list of insurers with the best Acura TSX insurance discounts in Oakland, click this link.

Acura TSX coverage analysis

The table displayed next outlines a range of coverage costs for Acura TSX models. Having knowledge of how insurance rates are formulated helps drivers make decisions on which coverage to buy.

Acura TSX Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $332 $664 $424 $26 $128 $1,574 $131
TSX Technology Package $332 $664 $424 $26 $128 $1,574 $131
Get Your Own Custom Quote Go

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium costs do not factor in garaging location in Oakland which can influence coverage rates noticeably.

An analysis of deductible level

When buying car insurance, a common question is how high should the deductibles for physical damage be. The following insurance rates help summarize the rate differences when you select higher and lower insurance deductibles. The first pricing table uses a $250 deductible for physical damage and the second data table uses a $500 deductible.

Acura TSX insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $386 $678 $376 $22 $112 $1,599 $133
TSX Technology Package $386 $678 $376 $22 $112 $1,599 $133
Get Your Own Custom Quote Go
Acura TSX insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $314 $546 $376 $22 $112 $1,370 $114
TSX Technology Package $314 $546 $376 $22 $112 $1,370 $114
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in Oakland location which can modify coverage prices greatly.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $19 more each month or $228 every year averaged for all TSX models than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 13 months between claim filings, you would probably be better off if you choose a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $133
Average monthly premium for $500 deductibles (subtract): - $114
Monthly savings from raising deductible: $19
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One thing to note is that raising deductibles to save money results in having to pay to pay more out-of-pocket when you have a comprehensive or collision claim. You must have a higher level of savings in order to pay more to get your vehicle repaired.

The example below illustrates how your deductible choice and can affect Acura TSX insurance prices for each age group. The premiums are based on a single female driver, full coverage, and no discounts are applied to the premium.

Full coverage versus liability-only in Oakland

The information below illustrates the comparison of Acura TSX car insurance rates with and without full coverage. The costs are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no discounts are taken into consideration.

Guidelines for dropping full coverage

There is no exact rule to drop physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Acura TSX replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after the policy deductible has been paid. If premium cost is more than $800 a year to have full coverage, then you may want to consider only buying liability coverage.

There are a few situations where buying only liability insurance is not financially feasible. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Best car insurance company in Oakland

Selecting the best company is hard considering how many different companies there are to choose from in Oakland. The ranking information shown below can help you pick which car insurance providers to look at purchasing from.

Top 10 Oakland Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance - 95%
  2. USAA - 94%
  3. AAA of Southern California - 92%
  4. AAA Insurance - 91%
  5. Nationwide - 90%
  6. State Farm - 90%
  7. The Hartford - 89%
  8. GEICO - 89%
  9. The General - 88%
  10. 21st Century - 88%

Top 10 Oakland Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Why Your Insurance Prices might be higher

Many factors are taken into consideration when premium rates are determined. Most are fairly basic like a motor vehicle report, but others are less apparent such as your credit history or your financial responsibility. It's important that you understand the different types of things that help determine the level of your policy premiums. If you have some idea of what influences your rates, this enables informed choices that could result in lower premium levels.

  • Alarm systems save money - Choosing to buy a car with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent auto theft.
  • Cautious drivers pay less - Even one citation may increase your cost by twenty percent. Good drivers pay less for auto insurance as compared to those with violations. Drivers who have flagrant violations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 form with their state DMV in order to drive a vehicle legally.

    The information below demonstrates how traffic citations and at-fault accidents can drive up Acura TSX insurance rates for each age group. The premium estimates are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

  • Keep rates low by being claim-free - Insurance companies in California provide cheaper rates to drivers that do not abuse their auto insurance. If you frequently file small claims, you can definitely plan on much higher rates or policy non-renewal. Insurance coverage is intended to be relied upon for larger claims.
  • High physical damage deductibles save money - Your deductibles represent how much money you are required to pay before your insurance pays a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of some claims that would be covered would be collision with another vehicle, fire damage, or theft of your vehicle. The higher the amount you have to pay, the better rate you will receive.
  • Commute or pleasure use - The more you drive your Acura every year the more you will pay for insurance. A lot of companies calculate rates determined by how the vehicle is used. Cars that do not get driven very much get more affordable rates than vehicles that are driven to work every day. Verify your declarations sheet properly reflects the correct usage, because improper ratings can cost you money. An incorrectly rated TSX can cost quite a bit.
  • Where you live is a factor - Residing in less populated areas of the country can save you money when buying insurance. Lower population means fewer accidents and lower theft and vandalism rates. Drivers who live in large California cities regularly have more traffic problems and more severe claims. More time behind the wheel means more chance of being in an accident.