The easiest way to find low-cost Acura TSX insurance is to compare quotes once a year from different companies who can sell car insurance in Laredo. This can be done by following these guidelines.
- First, take a few minutes and learn about car insurance and the things you can change to drop your rates. Many things that are responsible for high rates such as at-fault accidents, careless driving, and a not-so-good credit history can be rectified by making minor changes to your lifestyle. Read the full article for more details to help keep prices low and get additional discounts that may have been overlooked.
- Second, compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive or State Farm, while independent agents can give you price quotes from multiple companies.
- Third, compare the new quotes to your existing policy to see if a cheaper price is available. If you can save money and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
An important bit of advice to remember is that you’ll want to compare the same amount of coverage on each price quote and and to get rate quotes from every insurance company. Doing this guarantees a level playing field and a thorough selection of prices.
It goes without saying that car insurance companies don’t want policyholders to shop around. People who shop around at least once a year are inclined to switch to a new company because they stand a good chance of finding coverage at a cheaper rate. A recent auto insurance study discovered that consumers who compared rates annually saved over $70 a month compared to policyholders who didn’t regularly shop around.
If finding budget-friendly rates on auto insurance is your intention, then understanding the best ways to shop for car insurance can help you be more efficient.
The method we recommend to compare rate quotes for Acura TSX insurance in Laredo utilizes the fact most of the larger companies participate in a system to give free rates quotes. All you need to do is provide details including your credit rating estimate, your occupation, the ages of drivers, and whether you are single or married. Your details is sent automatically to many of the top insurers and they return quotes immediately.
To check Acura TSX insurance prices now, click here and see if a lower rate is available in Laredo.
The auto insurance companies shown below offer comparison quotes in Laredo, TX. If you want cheap auto insurance in Texas, we recommend you visit several of them in order to get a fair rate comparison.
Cheaper rates with these discounts
Some insurers do not list every policy discount in an easy-to-find place, so the following is a list of some of the more common in addition to some of the lesser obvious ways to save on car insurance.
- Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts may qualify for discounts of more than 20%.
- Pay Now and Pay Less – By paying your entire bill at once instead of paying each month you can actually save on your bill.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out life insurance from them.
- Fewer Miles Equal More Savings – Fewer annual miles on your Acura could qualify for cheaper car insurance rates.
- ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control have fewer accidents so you can save 10 percent or more.
- Auto/Home Discount – If you have multiple policies and insure them both with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
- Theft Deterrent – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
- Distant Student Discount – Children who attend college more than 100 miles from Laredo and won’t have access to an insured vehicle can receive lower rates.
- Accident Forgiveness – Not really a discount, but a handful of insurance companies will let one accident slide before hitting you with a surcharge if you have no claims for a set time period.
Remember that most of the big mark downs will not be given to the overall cost of the policy. Most cut the cost of specific coverages such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.
The diagram below shows the comparison of Acura TSX insurance costs with and without discounts being applied to the rates. The data assumes a female driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, claim-free, homeowner, and multi-car discounts applied.
If you would like to choose from a list of providers that offer many of these discounts in Laredo, click here.
Coverage statistics and figures
The data table shown below outlines estimates of rate quotes for Acura TSX models. Being more informed about how insurance policy rates are formulated can assist in making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TSX | $358 | $684 | $330 | $20 | $98 | $1,490 | $124 |
| TSX Technology Package | $358 | $684 | $330 | $20 | $98 | $1,490 | $124 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in zip code location which can lower or raise auto insurance rates substantially.
Raise deductibles and save
A question often asked by Laredo drivers is at what level do you set your deductibles. The tables below may help you to understand how much more you’ll pay between low and high deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TSX | $370 | $698 | $324 | $20 | $96 | $1,533 | $128 |
| TSX Technology Package | $370 | $698 | $324 | $20 | $96 | $1,533 | $128 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TSX | $270 | $472 | $324 | $20 | $96 | $1,182 | $99 |
| TSX Technology Package | $270 | $472 | $324 | $20 | $96 | $1,182 | $99 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rates do not factor in specific garaging location which can modify prices greatly.
Based on this data, using a $100 deductible will cost in the ballpark of $29 more each month or $348 each year across all Acura TSX models than requesting the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 14 months between claims, you would probably come out ahead if you elect the higher deductible.
The illustration below shows how choosing a deductible and can increase or decrease Acura TSX premium costs for each different age group. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
Yearly auto insurance costs for men versus women
The chart below shows the comparison of Acura TSX auto insurance costs for male and female drivers. The data is based on no accidents or driving violations, comp and collision included, $100 deductibles, drivers are not married, and no other discounts are factored in.
When to contact an agent
Many people still prefer to talk to an insurance agent and that is OK! Good insurance agents can help you choose the best coverages and will help you if you have claims. The best thing about comparing insurance prices online is the fact that you can find cheap insurance rates and still have a local agent. Buying insurance from small agencies is important especially in Laredo.
By using this form (opens in new window), the quote information is submitted to local insurance agents who will give competitive quotes and help you find cheaper coverage. You never need to find an agent on your own since rate quotes are delivered to you. If you wish to get a rate quote from a specific insurance provider, feel free to search and find their rate quote page and submit a quote form there.
If you’re trying to find a good insurance agency, it’s important to understand the different types of agencies and how they work. Agencies in Laredo are either independent or exclusive. Either one can sell insurance policies, but we need to point out the subtle differences because it can factor into the kind of agent you use.
Independent Insurance Agents
Agents that choose to be independent do not work for one specific company so they can quote policies through many companies and find the cheapest rate. To transfer your coverage to a different company, they simply switch companies in-house and you stay with the same agent.
When comparing insurance prices, you will definitely want to get rate quotes from several independent insurance agents so that you have a good selection of quotes to compare. Most also write with small regional insurance companies that may have much lower rates than larger companies.
Listed below is a list of independent insurance agents in Laredo that can give you pricing information.
- Lozano Insurance
519 E Gustavus St – Laredo, TX 78040 – (956) 725-2167 – View Map - Medina Wright Insurance
1419 Clark Blvd – Laredo, TX 78040 – (956) 722-4618 – View Map - State Wide Auto Insurance Agency
Laredo, TX 78041 – Laredo, TX 78041 – (956) 791-0800 – View Map
Exclusive Insurance Agencies
These agents write business for a single company like Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to compare other company’s rates so they really need to provide good service. Exclusive agencies receive a lot of sales training on their company’s products which helps them sell insurance even at higher premiums. A lot of people choose to use an exclusive agent partially due to the brand name instead of buying on price only.
Below are exclusive insurance agents in Laredo willing to provide price quote information.
- Farmers Insurance – Gabriel Medina
9807 Mines Rd #6 – Laredo, TX 78045 – (956) 645-2510 – View Map - Texas Farm Bureau Insurance – Juancarlo Rendon
507 E Expy 83 – Pharr, TX 78577 – (956) 787-8844 – View Map - Farmers Insurance – Pedro Sanchez
5916 San Bernardo Ave – Laredo, TX 78041 – (956) 722-8445 – View Map
Picking the best car insurance agent needs to be determined by more than just the bottom line cost. Get answers to these questions too.
- How much training do they have in personal risk management?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- What is their Better Business Bureau rating?
- Which insurance company do they prefer to write with?
- Can they provide you with a list of referrals?
- Do the coverages you’re quoting properly cover your vehicle?
- What discounts might you be missing?
- Does the quote include credit and driving reports?
How to Lower Your Insurance Prices
An important part of buying insurance is that you know some of the elements that are used to determine your premiums. When you understand what impacts premium levels, this allows you to make educated decisions that may result in better insurance rates. Many factors are considered when you get a price on insurance. Some of the criteria are obvious such as traffic violations, but some are less obvious such as your credit history or your vehicle rating.
Marriage is a bonus – Having a significant other can actually save you money on insurance. Marriage may mean you are less irresponsible and statistics prove married drivers tend to file fewer claims.
Urban residents pay more – Choosing to live in less populated areas is a positive aspect when shopping for auto insurance. Drivers in populated areas have more auto accidents and longer commutes to work. Fewer drivers and short commutes means fewer accidents as well as less vandalism and auto theft.
High comp and collision deductibles reduce premiums – Your deductibles state the amount of money you are willing to pay in the event of a claim. Physical damage protection, aka comp and collision, protects your car from damage. Examples of covered claims would be collision with another vehicle, damage from fire, and damage caused by road hazards. The larger the amount you have to pay, the better rate you will receive.
Teenagers vs. older drivers – More experienced drivers are more cautious drivers, are lower risk to insure, and are safer drivers. Teenage drivers are proven to be more careless when driving so they pay higher insurance rates.
The data below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Prevent theft and save money – Choosing to buy a car with anti-theft technology or alarm system can help lower your premiums. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your car from being stolen.
Insurance is not optional but you don’t have to overpay
Despite the potentially high cost of Acura TSX insurance, insurance is required by state law in Texas and it also provides benefits you may not be aware of.
- Just about all states have compulsory liability insurance requirements which means state laws require a specific level of liability insurance coverage in order to be legal. In Texas 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.
- If your vehicle has a loan, it’s guaranteed your bank will stipulate that you buy full coverage to ensure they get paid if you total the vehicle. If the policy lapses, the lender will be forced to insure your Acura for a much higher rate and force you to reimburse them the higher price.
- Insurance protects both your Acura and your assets. It will also reimburse you for hospital and medical expenses incurred in an accident. Liability coverage will also pay attorney fees in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of insuring your car greatly outweigh the cost, especially if you ever need it. An average driver in America is wasting up to $820 a year so you should quote and compare rates once a year at a minimum to be sure current rates are still competitive.
Auto insurance companies ranked
Buying coverage from the right car insurance company can be difficult considering how many different insurance companies sell coverage in Texas. The information below may help you choose which companies you want to consider when comparing rate quotes.
Top 10 Laredo Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
More quotes mean more insurance savings
As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.
We just covered many ways to lower your Acura TSX insurance rates in Laredo. The key concept to understand is the more times you quote, the better your chances of lowering your car insurance rates. Drivers may even discover the biggest savings come from an unexpected company.
Low-cost Acura TSX insurance in Laredo is possible both online as well as from independent agents in Laredo, so you should compare both to get a complete price analysis. There are still a few companies who may not offer rates over the internet and most of the time these regional carriers provide coverage only through independent agents.
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