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.

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.

Insurance for Acura TSXA 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.

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.

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.

Acura TSX Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $350 $624 $386 $22 $116 $1,498 $125
TSX Technology Package $350 $624 $386 $22 $116 $1,498 $125
Get Your Own Custom Quote Go

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.

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 $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $238 $426 $376 $22 $112 $1,174 $98
TSX Technology Package $238 $426 $376 $22 $112 $1,174 $98
Get Your Own Custom Quote Go

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.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $133
Average monthly premium for $1,000 deductibles (subtract): – $98
Monthly savings from raising deductible: $35
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $35
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

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.

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.

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.

Bakersfield insurance agentsBy 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.

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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.

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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.

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.

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.

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