Auto Insurance Rates for an Acura TSX in Honolulu

Insurance for Acura TSXTrying to find better insurance prices for a new or used Acura TSX in Hawaii can turn out to be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to buy car insurance and you need to know the absolute fastest way to get price quotes for a new or used Acura and locate the best price possible.

It is always a good idea to compare premium rates quite often because car insurance rates change regularly. Even if you think you had the lowest rate on Acura TSX insurance in Honolulu six months ago the chances are good that you can find a lower price today. There is a lot of bad advice regarding TSX insurance on the internet, but I’m going to show you a lot of great tips on how to lower your car insurance bill.

Companies offering Acura TSX insurance in Honolulu

The companies in the list below provide comparison quotes in Honolulu, HI. If several companies are displayed, we suggest you visit two to three different companies in order to find the lowest rates.

Facts and figures for Acura TSX insurance

The premium information displayed next showcases estimates of insurance costs for Acura TSX models. Being aware of how insurance policy premiums are formulated is important for drivers to make smart choices when choosing a car insurance company.

Acura TSX Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $162 $320 $236 $14 $70 $802 $67
TSX Technology Package $162 $320 $236 $14 $70 $802 $67
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in your specific Honolulu location which can alter premium rates noticeably.

Physical damage deductible comparison

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The comparison tables below may help to illustrate the difference in cost of buying low and high physical damage deductibles. The first rate quote example uses a $250 physical damage deductible and the second price chart uses a $500 deductible.

Acura TSX insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $230 $406 $226 $14 $68 $969 $81
TSX Technology Package $230 $406 $226 $14 $68 $969 $81
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Acura TSX insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $188 $328 $226 $14 $68 $824 $69
TSX Technology Package $188 $328 $226 $14 $68 $824 $69
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Information does not factor in your specific Honolulu location which can raise or lower coverage prices substantially.

Based on the data above, we can derive that using a $250 deductible costs roughly $12 more each month or $144 annually than buying the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 21 months between claim filings, you would most likely save money going with the higher deductible.

Full coverage rates compared to liability-only

The diagram below compares Acura TSX insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no policy discounts are applied.

When to drop comprehensive and collision

There is no clear-cut formula for excluding full coverage, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s assume your Acura TSX claim settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after paying the physical damage deductible. If it’s costing you more than $800 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are a few situations where dropping physical damage coverage is not recommended. If you haven’t paid off your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Informed Consumers Can Lower Insurance Rates

Lots of factors are part of the calculation when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but other factors are less apparent like your vehicle usage or your commute time.

The factors shown below are a few of the things used by your company to calculate premiums.

Claim-free discounts can add up – Insurance companies in Hawaii generally give most affordable rates to people who do not file claims often. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is intended for larger claims.

Females pay lower rates – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women cause accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Not only that, but men also get cited for more serious violations like DWI (DUI) or reckless driving. Youthful male drivers are most likely to cause an accident so they pay the highest premiums.

The example below illustrates the comparison of Acura TSX annual premium costs for male and female drivers. The costs are based on no driving violations, no at-fault accidents, full coverage, $1,000 deductibles, single status, and no other discounts are factored in.

Vehicle features that cut premiums – Choosing to buy a car that has an advanced theft prevention system can get you a discount on your insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.

Buy as much liability insurance as you can afford – Liability insurance kicks in if a jury decides you are liable for damages from an accident. Liability insurance provides legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.

More people means more accidents – Choosing to live in areas with lower population can save you money if you are looking for the lowest rates. Less people means less chance of accidents and lower theft and vandalism rates. Drivers in populated Hawaii areas regularly have traffic congestion and higher rates of accident claims. More time commuting means a statistically higher chance of an accident.

Improve your credit history and save – A driver’s credit score is a big factor in calculating your premium rate. Therefore, if your credit can use some improvement, you could potentially save money when insuring your Acura TSX by taking the time to improve your credit score. Consumers who have high credit ratings tend to be more responsible than drivers who have poor credit.

Cheaper rates after marriage – Walking down the aisle may earn you lower rates when buying insurance. Marriage is viewed as being more mature and insurance companies like that married drivers get in fewer accidents.

Get cheaper Acura TSX insurance rates in Honolulu

Buying insurance is not cheap, but there could be significant discounts to cut the cost considerably. Certain discounts will be triggered automatically when you quote, but once in a while a discount must be inquired about before they will apply.Discount insurance

It’s important to understand that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as comp or med pay. So even though you would think you can get free auto insurance, insurance companies wouldn’t stay in business.

The information below compares Acura TSX insurance rates with and without discounts applied to the policy premium. The price estimates are based on a male driver, no claims, a clean driving record, Hawaii state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, marriage, homeowner, and multi-policy discounts applied.

Car insurance companies that may include these discounts possibly include:

It’s a good idea to ask every insurance company which discounts they offer. Some of the earlier mentioned discounts may not apply to policies in Honolulu. To locate insurers with significant discounts in Hawaii, follow this link.

Shop online but buy locally

Many drivers still prefer to go talk to an agent and that can be a great decision Most agents will help you protect your assets and help you file claims. One of the best bonuses of comparing rate quotes online is that you can find the best rates but still work with a licensed agent.

Insurance agents in HonoluluTo find an agent, once you fill out this short form, your insurance coverage information is immediately sent to insurance agents in Honolulu that provide free Honolulu car insurance quotes for your coverage. You won’t need to contact any insurance agencies due to the fact that quote results will go to you instantly. In the event you want to get a rate quote from a particular provider, feel free to search and find their rate quote page and fill out the quote form the provide.

Finding a good provider needs to be determined by more than just a low price. The following questions are important to ask.

When finding a good Honolulu insurance agent, you must know there are a couple types of agencies to choose from. Insurance agents can be categorized as either independent agents or exclusive agents depending on their employer. Either one can properly insure your vehicles, but it’s worth learning the differences because it can factor into the selection process.

Exclusive Insurance Agencies

These type of agents can only provide one company’s prices and examples are Allstate and State Farm. These agents are not able to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents are highly trained on sales techniques which helps them compete with independent agents. Some consumers prefer to buy insurance from these agents partially due to the brand legacy rather than low price.

Below is a list of exclusive agents in Honolulu who can help you get rate quotes.

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Independent Agents (or Brokers)

Independent agents do not work for one specific company and that is an advantage because they can write policies with lots of companies and possibly get better coverage at lower prices. If they find a cheaper price, your agent can just switch to a different company and you can keep the same agent.

If you are comparing rate quotes, it’s a good idea to compare prices from at a minimum one independent agency so that you have a good selection of quotes to compare. Many independent agencies also insure through companies that do not advertise much that may provide cheaper insurance rates.

Listed below is a short list of independent insurance agents in Honolulu that are able to give rate quotes.

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There’s no such thing as the perfect car insurance policy

When it comes to buying the best car insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your situation is unique.Safe vehicles cost less to insure

For example, these questions may help you determine if your situation will benefit from professional help.

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Be persistent and save

Consumers change insurance companies for a number of reasons such as being labeled a high risk driver, delays in responding to claim requests, policy cancellation or even high rates after DUI convictions. No matter why you want to switch, finding the right insurance provider is pretty easy and you might even save some money in the process.

In this article, we covered many ways to save on Acura TSX insurance in Honolulu. The key thing to remember is the more companies you get car insurance rates for, the better chance you’ll have of finding the cheapest Acura TSX rate quotes. You may even find the lowest rates are with a small local company.

Lower-priced insurance in Honolulu is available from both online companies and also from your neighborhood Honolulu agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not provide internet price quotes and most of the time these smaller companies prefer to sell through independent agencies.

Steps to buying affordable Acura TSX insurance in Honolulu

Truthfully, the best way to get affordable car insurance rates is to regularly compare quotes from companies in Honolulu. Drivers can shop around by completing these steps.

The critical component of shopping around is to use the same level of coverage on each price quote and and to get rates from as many companies as you can. Doing this provides the most accurate price comparison and a complete rate analysis.

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