Are you doing reasearch to find the cheapest Acura TSX insurance in Raleigh? Vehicle owners who are new to comparing car insurance quotes on the internet are likely to discover purchasing low cost Acura TSX insurance is quite challenging.
Astonishing but true, nearly 70% of consumers kept their coverage with the same car insurance company for four years or more, and almost half have never compared rate quotes at all. The average driver in the U.S. can save nearly $860 each year by just shopping around, but they just don't understand how much savings they would realize if they bought a different policy.
When quoting car insurance, remember that getting more free quotes increases your odds of finding the best offered rates.
The following companies can provide free quotes in North Carolina. If multiple providers are shown, we recommend you visit as many as you can to find the most competitive auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|TSX Technology Package||$152||$302||$222||$14||$66||$756||$63|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Table data does not factor in your specific Raleigh location which can raise or lower premiums considerably.
Difference between full coverage and liability only rates
The chart below shows the comparison of Acura TSX auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no accidents, no driving violations, $250 deductibles, married male driver, and no policy discounts are applied.
Should you buy full coverage or liability only?
There is no exact rule to delete physical damage coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let's assume your Acura TSX replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after you pay the deductible. If it's costing you more than $700 a year for physical damage coverage, then it might be time to consider dropping full coverage.
There are a few cases where eliminating full coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not buy liability only.
Car insurance discounts help lower rates for Acura TSX insurance in Raleigh
Some providers don't always publicize the entire discount list in a way that's easy to find, so the list below gives a summary of some of the best known and also the more inconspicuous car insurance savings.
- Theft Prevention System - Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft so companies will give you a small discount.
- Discounts for Safe Drivers - Drivers without accidents can save up to 40% or more on their Raleigh auto insurance quote as compared to drivers with claims.
- Raleigh Homeowners Pay Less - Simply owning a home can save you money because it is proof that your finances are in order.
- Discounts for Federal Employees - Active or former government employment can save as much as 8% depending on your car insurance provider.
- Organization Discounts - Being a member of qualifying employment or professional organizations could qualify you for a break on your policy.
Drivers should understand that some credits don't apply the the whole policy. Most cut specific coverage prices like liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, insurance companies wouldn't stay in business.
If you would like to view insurers with discount car insurance rates in North Carolina, click this link.
Insurance agencies near you
A lot of people still prefer to talk to an insurance agent and doing so can bring peace of mind One of the best bonuses of comparing auto insurance online is you may find lower rates but also keep your business local.
By using this quick form, your coverage information is instantly submitted to insurance agents in Raleigh who will give you quotes to get your business. It simplifies rate comparisons since you won't have to search for any insurance agencies since rate quotes are delivered to the email address you provide. You can find the lowest rates AND a local agent. If you need to compare rates for a specific company, feel free to navigate to their website and fill out the quote form the provide.
Choosing the best insurer needs to be determined by more than just a cheap price quote. The questions below may impact your decision as well.
- What company holds the largest book of business for them?
- Can you contact them at any time?
- Will the company cover a rental car if your car is getting fixed?
- How often do they review policy coverages?
- What insurance companies do they work with in Raleigh?
- Do they feel the quoted coverages are adequate?
Below are Raleigh auto insurance companies that may be willing to give rate quotes for Acura TSX insurance in Raleigh.
- Nationwide Insurance: Michael E Okoli Agency Inc
309 W Millbrook Rd #151 - Raleigh, NC 27609 - (919) 786-1960 - View Map
- Compare Insurance Agency LLC
6531 Creedmoor Rd # 206 - Raleigh, NC 27613 - (919) 863-0150 - View Map
- Gina Tickle - State Farm Insurance Agent
8212 Creedmoor Rd #101 - Raleigh, NC 27613 - (919) 847-9774 - View Map
- Blackmon Insurance
3416 Poole Rd # 110 - Raleigh, NC 27610 - (919) 231-8131 - View Map
After you get answers to your satisfaction to all your questions and locked in a price quote, you've probably found a company that is professional and can provide auto insurance coverage. But remember, you are entitled to cancel your coverage at any point so don't think you are locked into any specific agency for a certain time period.
When to get professional advice
When selecting proper insurance coverage for your vehicles, there isn't really a one-size-fits-all type of policy. Everyone's needs are different.
For example, these questions can help discover whether or not you would benefit from professional advice.
- Does my Acura TSX need full coverage?
- What is roadside assistance coverage?
- Can I still get insurance after a DUI?
- When should I remove my kid from my policy?
- Am I missing any policy discounts?
- Exactly who is provided coverage by my policy?
- When do I need to add a new car to my policy?
- What does UM/UIM cover?
- Are split liability limits better than a combined single limit?
- Should I sign the liability waiver when renting a car?
If it's difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don't have a local agent, take a second and complete this form.
Why Your Insurance Rates might be higher
A large part of saving on insurance is knowing some of the elements that help determine the price you pay for insurance. If you understand what determines premiums, this empowers consumers to make smart changes that may reward you with better insurance rates. Many things are used in the calculation when you get your auto insurance bill. Some factors are common sense like your driving record, although others are more obscure like where you live or your commute time.
Performance makes a difference - The performance of the car or truck you need to insure makes a huge difference in your auto insurance rates. Because the Acura TSX falls in the passenger car class, insuring your vehicle will cost similar in price or lower when compared to the average rates in Raleigh. Lower cost passenger cars receive the most favorable rates, but the cost you end up paying is determined by many additional factors.
Safer cars cost less to insure - Vehicles that have high safety ratings tend to have lower insurance rates. Vehicles engineered for safety protect occupants better and fewer serious injuries means lower claim amounts which can mean better rates for you.
Men pay more for insurance - Over time, data shows females are less aggressive when driving. However, don't assume that females are better at driving than males. They both get in accidents in similar numbers, but men have accidents that have higher claims. Men also receive more major tickets such as reckless driving.
Only buy coverage you need - Insurance companies have many additional extra coverages that may not really be needed on your TSX policy. Insurance for rental car reimbursement, accident forgiveness, and Farm Bureau memberships may be wasting your money. They may sound like good ideas initially, but your money might be better spent on other coverage so think about removing them and cutting costs.
Three reasons to insure your TSX
Despite the high insurance cost for a Acura TSX in Raleigh, maintaining insurance is required in North Carolina but also provides important benefits.
First, most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage in order to be legal. In North Carolina 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.
Second, if your vehicle has a lienholder, it's most likely the lender will require you to have insurance to guarantee their interest in the vehicle. If you let the policy lapse, the lender will be forced to insure your Acura at a much higher rate and require you to pay for the expensive policy.
Third, insurance safeguards not only your Acura TSX but also your financial assets. It also can pay for medical expenses for yourself as well as anyone injured by you. Liability coverage will also pay to defend you if you cause an accident and are sued. If damage is caused by hail or an accident, your policy will cover the repair costs.
The benefits of buying auto insurance are without a doubt worth the cost, particularly if you ever have a claim. But the average driver in North Carolina overpays more than $800 each year so it's very important to do a rate comparison at least once a year to save money.
Insurance savings summarized
We just presented quite a bit of information on how to save on Acura TSX insurance in Raleigh. It's most important to understand that the more rate comparisons you have, the better likelihood of getting the cheapest Acura TSX rate quotes. You may even discover the best prices are with the smaller companies.
People leave their current company for a variety of reasons including being labeled a high risk driver, not issuing a premium refund, an unsatisfactory settlement offer and even unfair underwriting practices. Regardless of your reason, finding a new company can be easy and end up saving you some money.
As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that it was a big mistake. The ultimate goal is to purchase plenty of coverage at an affordable rate and still be able to protect your assets.
Other learning opportunities
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Who Has Affordable Auto Insurance for Used Cars in North Carolina? (FAQ)
- How Much are North Carolina Auto Insurance Quotes for Veterans? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Honda Civic in North Carolina? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Single Moms in North Carolina? (FAQ)
- What Car Insurance is Cheapest for a Honda Accord in North Carolina? (FAQ)
- How Much is Car Insurance for Drivers with Bad Credit in North Carolina? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Tread Depth and Tire Safety (State Farm)