Auto Insurance Rates for an Acura TSX in Bakersfield

If you want to save money, the best way to find affordable Acura TSX insurance is to compare prices at least once a year from different companies that sell auto insurance in Bakersfield. Rate comparisons can be done by completing these steps.

• Step 1: Spend some time learning about how companies set rates and the factors you can control to prevent rate increases. Many factors that are responsible for high rates like speeding tickets, careless driving and an unacceptable credit rating can be controlled by making minor changes to your lifestyle.
• Step 2: Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or State Farm, while independent agencies can provide prices for many different companies.
• Step 3: Compare the new rates to the premium of your current policy to determine if switching companies saves money. If you can save some money and change companies, ensure coverage does not lapse between policies.

One important bit of advice is to use the same amount of coverage on each quote and and to compare as many different insurance providers as possible. This helps ensure a fair price comparison and the most accurate and complete price analysis.

A recent survey discovered that over 70% of drivers have bought insurance from the same company for more than four years, and nearly half have never compared insurance rates at all. Consumers in Bakersfield could save up to 35% a year by just comparing quotes, but they don’t want to take the time to find cheap rates by getting comparison quotes.

Score discounts on Bakersfield car insurance

Some companies don’t always advertise the entire discount list very well, so the list below details both the well known and the harder-to-find discounts that may be available.

• Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
• Home Ownership Discount – Simply owning a home may trigger a policy discount on car insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
• Early Renewal Discounts – A few insurance companies offer discounts for switching policies before your current coverage expires. This can save 10% or more.
• Discounts for Safe Drivers – Drivers who avoid accidents can save as much as half off their rates compared to accident prone drivers.
• Save with More Vehicles Insured – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
• Discounts for Federal Employees – Active or former government employment can save as much as 8% but check with your company.
• Discount for Life Insurance – If the company offers life insurance, you could get a lower rate if you buy a life policy as well.
• Bundled Policy Discount – If you have multiple policies with the same company you may earn at least 10% off all policies.

Consumers should know that many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, it’s just not the way it works.

The chart below visualizes the comparison of Acura TSX insurance costs with and without discounts applied to the policy rates. The premiums are based on a female driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, claim-free, safe-driver, and multi-car discounts applied.

Companies and their possible discounts can be read below.

• AAA may have discounts that include good driver, good student, education and occupation, anti-theft, AAA membership discount, and multi-car.
• Progressive has savings for online quote discount, homeowner, multi-vehicle, online signing, good student, continuous coverage, and multi-policy.
• State Farm has discounts for Drive Safe & Save, Steer Clear safe driver discount, multiple policy, good driver, and student away at school.
• Esurance includes discounts for homeowner, defensive driver, anti-lock brakes, multi-policy, and online quote.
• Nationwide discounts include good student, business or organization, anti-theft, accident-free, Farm Bureau membership, and family plan.

If you are trying to find affordable Bakersfield auto insurance quotes, ask every prospective company which credits you are entitled to. Discounts may not be offered in your state. For a list of insurers that offer many of these discounts in California, click here.

Lowering your Acura TSX insurance rates is not a difficult process. You just have to take the time comparing rates to find the company with low cost Bakersfield auto insurance quotes.

The companies shown below offer free rate quotes in Bakersfield, CA. If multiple providers are shown, we suggest you compare several of them to get the best price comparison.

Car insurance statistics for an Acura TSX

The premium information displayed next outlines different rate quotes for Acura TSX models. Learning a little about how auto insurance premiums are calculated can benefit drivers when making smart choices when purchasing an auto insurance policy.

Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Prices do not factor in vehicle location which can increase or decrease prices substantially.

Policy deductible comparison

One of the most common car insurance questions is the level to set your comp and collision deductibles. The following tables determine the differences in price between high and low deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in vehicle garaging location which can raise or lower coverage prices substantially.

Based on this data, using a $250 deductible costs approximately $35 more each month or $420 annually than requesting the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 21 months between claim filings, you would come out ahead by selecting a higher deductible.

The example below shows how different deductible levels and can affect Acura TSX insurance prices for different ages of insureds. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

Insurance Price Influencing Factors

Multiple criteria are used when premium rates are determined. A few of the factors are predictable such as your driving record, although others are less apparent like your vehicle usage or how financially stable you are.

• Accidents can increase prices – Even a single moving violation can bump up the cost forty percent or more. Drivers with clean records pay lower auto insurance prices compared to drivers with tickets. Drivers who get multiple violations like DUI, reckless driving or excessive speeding might be required by their state to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.

  The chart below demonstrates how traffic citations and at-fault fender-benders can affect Acura TSX auto insurance costs for different age groups. The rates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

• Women tend to cost less – Statistics demonstrate that females tend to be a little less risky than males. This data doesn’t prove that females are better at driving than males. Women and men get in auto accidents in similar percentages, but the men tend to have higher claims. Men also tend to get higher numbers of serious violations like reckless driving and DUI.

  The chart below illustrates the comparison of Acura TSX auto insurance rates for male and female drivers. The data is based on a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, single marital status, and no policy discounts are applied.

• Higher prices for policy lapses – Letting your insurance expire is a quick way to bump up your auto insurance costs. In addition to paying higher premiums, being ticketed for driving with no insurance could result in fines and jail time. You may then be required to file a SR-22 with the California department of motor vehicles.
• High credit scores save money – Having a good credit rating is a big factor in calculating your auto insurance rates. Therefore, if your credit rating leaves room for improvement, you could potentially save money when insuring your Acura TSX by spending a little time repairing your credit. People with good credit tend to be better drivers and file fewer claims than those with lower credit ratings.
• Consolidate policies and save money – Most larger auto insurance companies give a discount to clients that buy multiple policies in the form of a multi-policy discount. Discounts can amount to as much as ten percent or more Even if you already get this discount, drivers will still want to compare Acura TSX rates in Bakersfield to guarantee you are still saving the most. Drivers may still save even more than the discount by insuring with multiple companies.
• Having a spouse is a bonus – Your spouse can get you a discount compared to being single. It generally demonstrates drivers are more mature than a single person and statistics show being married results in fewer claims.

• High premiums for teen drivers – Teen drivers in California tend to be careless and easily distracted when driving therefore auto insurance rates are much higher. Having to add a teen driver onto your auto insurance can really hurt. Older, more experienced drivers are viewed as being more responsible, tend to cause fewer accidents, and usually have better credit.

  The following chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

• Less chance of injury means lower rates – Safe vehicles get lower rates. The safest vehicles reduce the chance of injuries and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Acura has at least four stars on Safercar.gov it may cost less to insure.

When do I need an agent’s advice?

When quoting and choosing a policy for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if your insurance needs would benefit from professional advice.

• Do I have newly-acquired coverage?
• What can I do if my company won’t pay a claim?
• Do I need replacement cost coverage?
• What is medical payments coverage?
• Is borrowed equipment or tools covered if stolen or damaged?
• Why am I required to buy liability insurance?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.

Local insurance agents

Some people still prefer to buy from a local agent and that is a smart decision Insurance agents will help you protect your assets and will help you if you have claims. One of the benefits of comparing rates online is you may find better rates and still have an agent to talk to. Supporting neighborhood agents is especially important in Bakersfield.

By using this quick form, your insurance data is emailed to local insurance agents in Bakersfield who will give you quotes for your business. You don’t have to leave your house since price quotes are sent directly to you. If for some reason you want to quote rates from a specific company, you can always go to their quote page and complete a quote there.

Bakersfield auto insurance agents are either independent or exclusive

If you want a local insurance agency, you should know the different agency structures and how they work. Agents in Bakersfield can be classified as either independent agents or exclusive agents depending on their employer. Both types can insure your vehicles properly, but it’s a good idea to understand the subtle differences because it may have an impact on which type of agent you select.

Independent Car Insurance Agents

Agents that elect to be independent are not employed by any specific company and that gives them the ability to insure through lots of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your policy is moved internally and that require little work on your part.

When comparing rate quotes, you need to contact at a minimum one independent agency in order to compare the most rates. They also have the ability to place coverage with smaller companies that may provide cheaper car insurance rates.

Featured below are Bakersfield independent agencies that can possibly get you comparison quotes.

• Nationwide Insurance: Michaud Insurance Agency Inc
  201 California Ave – Bakersfield, CA 93304 – (661) 633-9900 – View Map
• Miroslava Hernandez Insurance Agency
  6433 E Brundage Ln # 2 – Bakersfield, CA 93307 – (661) 326-7200 – View Map
• Fallgatter Rhodes Insurance
  1701 G St – Bakersfield, CA 93301 – (661) 324-2424 – View Map

View more Bakersfield agents

Exclusive Agents

Agents in the exclusive channel can only quote rates from one company and some examples include State Farm, Allstate, or Farmers Insurance. These agents are unable to provide other company’s prices so it’s a take it or leave it situation. These agents are well schooled on the products they sell and that allows them to sell at a higher price point. Consumers frequently buy from exclusive agents mostly because of the brand rather than having low rates.

The following are Bakersfield exclusive agencies that are able to give price quotes.

• David Hall – State Farm® Insurance Agent
  5351 Olive Dr #300 – Bakersfield, CA 93308 – (661) 393-8326 – View Map
• Allstate Insurance: Lee Hernandez
  1801 21st St Ste 3 – Bakersfield, CA 93301 – (661) 327-7761 – View Map
• Kelli Davis – State Farm Insurance Agent
  2665 Calloway Dr #206 – Bakersfield, CA 93312 – (661) 829-1011 – View Map

View more Bakersfield agents

Selecting an auto insurance agent needs to be determined by more than just the price. A good agent in Bakersfield will have answers to these questions.

• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Do they specialize in personal lines coverage in Bakersfield?
• How much can you save by raising your physical damage deductibles?
• Does their agency support local causes in Bakersfield?
• Will high miles depreciate repair valuations?
• Which members of your family are coverage by the policy?
• Can you get a list of referrals?
• Do the companies they represent have a solid financial rating?

Three reasons auto insurance is important

Despite the fact that auto insurance is not cheap in Bakersfield, insurance is required in California but also provides important benefits.

• Almost all states have mandatory liability insurance requirements which means you are required to carry a specific level of liability in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your Acura has a loan, most banks will have a requirement that you buy insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Acura at an extremely high rate and force you to reimburse them for the expensive policy.
• Insurance protects your car and your assets. Insurance will also pay for all forms of medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of carrying enough insurance greatly outweigh the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver overpays more than $810 a year so it’s very important to do a rate comparison each time the policy renews to save money.

Find cheaper insurance prices by comparing often

As you shop your coverage around, you should never skimp on coverage in order to save money. Too many times, consumers will sacrifice liability limits or collision coverage only to discover later that it was a big error on their part. The goal is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Budget-conscious Acura TSX insurance is possible both online and from local agencies, so you should compare both so you have a total pricing picture. Some insurance companies don’t offer online price quotes and usually these smaller providers work with independent agents.

Consumers leave their current company for a number of reasons such as delays in responding to claim requests, questionable increases in premium, policy non-renewal or even denial of a claim. It doesn’t matter why you want to switch finding a great new company is less work than it seems.

For more information, feel free to browse the resources below:

• Learn About Car Insurance (GEICO)
• Who Has Cheap Bakersfield Auto Insurance for a Jeep Wrangler? (FAQ)
• Shopping for a Safe Car (Insurance Information Institute)
• Car Insurance: When not to Skimp (BankRate.com)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)