Cheapest Quotes for Acura TSX Insurance in San Jose

Searching for cheaper Acura TSX insurance in San Jose? Finding the cheapest insurance for your Acura TSX in California can normally be an all-consuming task, but you can use our insurance buying tips to save time. There is a better way to find insurance online and we’ll show you the proper way to price shop coverage for your Acura and find the best price possible from San Jose insurance agents and online providers.

It’s important to compare prices on a regular basis because rates go up and down regularly. Despite the fact that you may have had the lowest rate on Acura TSX insurance in San Jose two years ago you can probably find a lower rate today. Block out anything you think you know about insurance because it’s time to teach you the quickest way to reduce your cost while increasing coverage.

If you have a policy now or just want to save money, use these money-saving tips to get lower rates without sacrificing coverage. Comparing rates for the most affordable policy in San Jose is not that difficult. Smart shoppers only need an understanding of the proper way to shop from multiple carriers.

Affordable Acura insurance rate quotes in San Jose

The following companies are ready to provide free quotes in San Jose, CA. If the list has multiple companies, we recommend you visit two to three different companies to get the best price comparison.

Statistics and details

The table shown below covers estimates of insurance rates for Acura TSX models. Having knowledge of how prices are determined is important for making decisions on the best policy coverages.

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in garaging location in San Jose which can lower or raise premiums greatly.

Physical damage deductibles

The hardest decision when buying coverage is which deductible level should you buy. The comparison tables below may aid in understanding the price difference of buying low and high coverage deductibles. The first pricing table uses a $100 deductible and the second data table uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rates do not factor in San Jose location which can affect premiums substantially.

We can estimate from the data above that using a $100 deductible costs roughly $34 more each month or $408 annually than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you usually have at least 12 months between claims, you would save more money by selecting a higher deductible.

Bad driving habits will cost you more

The chart below demonstrates how speeding tickets and at-fault collisions can affect Acura TSX auto insurance costs for each age group. The price estimates are based on a married female driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

Cost comparison with and without full coverage

The information below shows the comparison of Acura TSX annual premium costs with full coverage compared to only the California minimum liability coverage. The prices are based on no tickets, no at-fault accidents, $250 deductibles, single marital status, and no policy discounts are applied.

Are you wasting money paying for full coverage?

There is no set rule to stop buying physical damage coverage on your policy, but there is a general school of thought. If the annual cost of coverage is 10% or more 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 say your Acura TSX claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $3,000 after paying your deductible. If you are paying more than $300 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where dropping full coverage is not in your best interest. If you haven’t paid off your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.

Lower rate quotes on Acura TSX insurance in San Jose with these seven discounts

Some companies don’t necessarily list the entire discount list in a way that’s easy to find, so the list below details a few of the more well known in addition to some of the lesser obvious ways to save on auto insurance.

• Employee of Federal Government – Active or former government employment could provide a small rate reduction but check with your company.
• Student in College – Kids who are enrolled in a college that is more than 100 miles from San Jose and don’t have a car can be insured at a reduced rate.
• Policy Bundle Discount – If you have multiple policies and insure them both with the same insurance company you may earn over 10 percent off each policy depending on the company.
• Discount for Low Mileage – Driving less may allow you to get better rates on cars that stay parked.
• Save with More Vehicles Insured – Purchasing coverage when you have primary and secondary vehicles with the same auto insurance company may reduce the rate for each vehicle.
• Pay Now and Pay Less – By paying your policy upfront rather than paying in monthly installments you could save 5% or more.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents and will save you 10% or more on TSX insurance in San Jose.

As is typical with insurance, many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. If you do the math and it seems like you could get a free auto insurance policy, it doesn’t quite work that way.

The example below shows the comparison of Acura TSX insurance costs with and without discounts applied to the policy premium. The data is based on a female driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, multi-car, safe-driver, and marriage discounts applied.

A list of companies and a partial list of their discounts can be read below.

• State Farm policyholders can earn discounts including passive restraint, good driver, safe vehicle, multiple policy, multiple autos, and defensive driving training.
• Esurance may include discounts for renters, multi-policy, anti-theft, online shopper, anti-lock brakes, and online quote.
• Progressive includes discounts for online quote discount, homeowner, continuous coverage, multi-vehicle, online signing, multi-policy, and good student.
• Liberty Mutual offers premium reductions for new move discount, newly married, newly retired, preferred payment discount, hybrid vehicle, and teen driver discount.
• Auto-Owners Insurance has discounts for group or association, multiple vehicles, air bags, mature driver, student away at school, and paid in full.
• GEICO may offer discounts for daytime running lights, driver training, seat belt use, multi-vehicle, five-year accident-free, military active duty, and good student.

When comparing rates, check with every company how many discounts you can get. All car insurance discounts may not be available in San Jose.

Car insurance is unique, just like you

Always remember that when buying a policy for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

• Is my Acura TSX covered for smoke damage?
• Is my Acura TSX covered if I use it for business?
• What exactly is covered by my policy?
• Should I have combined single limit or split liability limits?
• Are rock-chip repairs free?
• How much liability do I need to cover my assets?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Compare prices but buy from a local neighborhood San Jose car insurance agent

A lot of people just prefer to go talk to an agent and that is OK! Agents are very good at helping people manage risk and help in the event of a claim. An additional benefit of getting online price quotes is the fact that you can find lower premium rates and also buy local.

Upon completion of this form (opens in new window), your coverage information gets sent to agents in your area who will give competitive quotes for your insurance coverage. You never need to search for an agent as quotes are delivered directly to your email. If you want to get a rate quote for a specific company, you would need to search and find their rate quote page and fill out their quote form.

Picking the best insurer needs to be determined by more than just the bottom line cost. Here are some questions you should ask.

• Do they have cheaper tiers of coverage?
• If they are an independent agency in San Jose, which companies do they recommend?
• By raising physical damage deductibles, how much would you save?
• Which family members are covered?
• Are there any extra charges for paying monthly?
• Is auto insurance their primary focus in San Jose?
• Can they help ensure a fair claim settlement?

If you’re trying to find a reliable insurance agency, it can be helpful to understand the types of agencies and how they are slightly different. Auto insurance policy providers are either independent or exclusive. Either type can provide auto insurance policies, but we need to point out the difference between them because it may have an impact on buying decisions.

Exclusive Insurance Agents

Agents that choose to be exclusive generally can only insure with one company and examples are Allstate, Farmers Insurance or State Farm. They generally cannot shop your coverage around so you need to shop around if the rates are high. They are usually quite knowledgeable on what they offer which helps overcome the inability to quote other rates. Some consumers prefer to purchase coverage from exclusives mainly due to the brand legacy and solid financial strength.

Shown below are San Jose exclusive insurance agents willing to provide comparison quotes.

• Dennis Stroup – State Farm Insurance Agent
  6455 Almaden Expy Ste 103 – San Jose, CA 95120 – (408) 268-7800 – View Map
• Steve Sosnowski – State Farm Insurance Agent
  841 Blossom Hill Rd #102 – San Jose, CA 95123 – (408) 629-4700 – View Map
• Farmers Insurance – Roger Nguyen
  478 E Santa Clara St #216 – San Jose, CA 95112 – (408) 293-7250 – View Map

More insurance agents

Independent Agents (or Brokers)

Independent agencies are not locked into one company so they can write business through many companies depending on which coverage is best. If prices rise, they simply move your policy to a different company and you don’t have to do anything. If you need cheaper auto insurance rates, it’s recommended you get insurance quotes from several independent agencies for the best price selection. Many can place coverage with mutual insurance companies which may provide better rates.

Listed below is a list of independent insurance agencies in San Jose who can help you get comparison quotes.

• Mission Counties Insurance Agency
  1777 Hamilton Ave – San Jose, CA 95125 – (408) 979-8160 – View Map
• Gatewood Insurance Agency Inc
  1095 Bird Ave #2 – San Jose, CA 95125 – (408) 298-1611 – View Map
• Lords Insurance Agency Inc
  2239 Moorpark Ave #100 – San Jose, CA 95128 – (408) 289-5445 – View Map

More insurance agents

Coverages available on your auto insurance policy

Having a good grasp of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as ambulance fees, EMT expenses, pain medications and surgery. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Collision – Collision coverage covers damage to your TSX resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a ditch, hitting a parking meter, rolling your car, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible on your TSX to save money on collision insurance.

Liability auto insurance – This coverage provides protection from damage that occurs to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 15/30/5 which means $15,000 bodily injury coverage, $30,000 for the entire accident, and property damage coverage for $5,000.

Liability can pay for claims like bail bonds, legal defense fees, emergency aid, court costs and medical services. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford. California requires drivers to carry at least 15/30/5 but it’s recommended drivers buy more liability than the minimum.

The chart below shows why minimum state limits may not be adequate coverage.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many California drivers only purchase the least amount of liability that is required (15/30/5 in California), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, hail damage, fire damage, falling objects and rock chips in glass. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

One last thing about your coverage

When you buy San Jose car insurance online, do not reduce coverage to reduce premium. There have been many cases where someone dropped liability coverage limits to discover at claim time that it was a big mistake. Your goal is to find the BEST coverage at the best price, but do not skimp to save money.

Consumers change insurance companies for many reasons like high rates after DUI convictions, being labeled a high risk driver, denial of a claim and even delays in responding to claim requests. Regardless of your reason, switching companies can be easy and end up saving you some money.

You just read a lot of ways to reduce Acura TSX insurance prices online in San Jose. The key concept to understand is the more companies you get rates for, the higher your chance of finding cheaper San Jose car insurance quotes. Consumers could even find that the lowest prices are with an unexpected company.

Steps to buying discount Acura TSX insurance in San Jose

Truthfully, the best way to get cheaper auto insurance rates in San Jose is to do a yearly price comparison from insurance carriers who sell insurance in California. Drivers can shop around by following these steps.

1. Try to learn a little about individual coverages and the factors you can control to prevent expensive coverage. Many things that cause rate increases like speeding tickets, accidents and poor credit history can be eliminated by making minor changes to your lifestyle.
2. Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like Progressive or State Farm, while agents who are independent can provide price quotes from multiple insurance companies. Start a quote
3. Compare the new rate quotes to your existing coverage to see if you can save by switching companies. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.

An important bit of advice to remember is that you’ll want to make sure you compare the same deductibles and limits on each price quote and and to get rate quotes from as many companies as feasibly possible. This provides an accurate price comparison and and a good selection of different prices.

Helpful learning opportunities

• Think You’re a Safe Driver? (State Farm)
• Who Has Affordable Auto Insurance for Homeowners in San Jose? (FAQ)
• Five Mistakes to Avoid (Insurance Information Institute)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• A Tree Fell on Your Car: Now What? (Allstate)