Save Money on Acura TSX Insurance in Miami

Astonishing but true according to a recent study, most Florida auto insurance customers have remained with the same auto insurance company for four years or more, and 38% of customers have never compared rates from other carriers. American drivers could save approximately $860 every year, but they feel it’s too difficult to find affordable auto insurance rates.

Discount Acura TSX insuranceThe easiest way to find affordable Acura TSX insurance in Miami is to compare prices regularly from different companies that sell auto insurance in Florida. You can compare rates by following these steps.

The key thing to know about shopping around is that you’ll want to compare the same amount of coverage on every quote request and and to analyze every insurance company. Doing this provides the most accurate price comparison and the most accurate and complete price analysis.

If you have a policy now, you will definitely be able to lower your rates using this information. Finding the cheapest insurance coverage in Miami is actually not that difficult if you follow our advice. But Florida consumers must understand how companies compete online and use it to find better rates.

How to get the cheapest Acura TSX insurance in Miami

Just keep in mind that quoting more will enable you to find more affordable rates.

The providers in the list below are ready to provide price quotes in Miami, FL. To buy the best cheap car insurance in Florida, we suggest you visit two to three different companies to find the most competitive car insurance rates.

Auto insurance data for an Acura TSX

The rate table displayed next covers different prices for Acura TSX models. Being aware of how auto insurance premiums are determined can assist in making smart choices when choosing a car insurance company.

Acura TSX Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $280 $532 $334 $20 $100 $1,266 $106
TSX Technology Package $280 $532 $334 $20 $100 $1,266 $106
Get Your Own Custom Quote Go

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rate quotes do not factor in specific location which can influence insurance rates noticeably.

Raise deductibles and save

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The premium rates below can help show the price difference when you select higher and lower coverage deductibles. The first data table uses a $100 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Acura TSX insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $406 $764 $354 $20 $106 $1,675 $140
TSX Technology Package $406 $764 $354 $20 $106 $1,675 $140
Get Your Own Custom Quote Go

Acura TSX insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $224 $402 $354 $20 $106 $1,106 $92
TSX Technology Package $224 $402 $354 $20 $106 $1,106 $92
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rates do not factor in specific location which can increase or decrease insurance rates significantly.

Based on the figures above, using a $100 deductible costs roughly $48 more each month or $576 each year averaged for all TSX models than requesting the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 19 months between claims, you would probably come out ahead if you decide on a higher deductible.

Comparison of full coverage and liability-only policies

The example below shows the comparison of Acura TSX auto insurance costs with liability coverage only compared to full coverage. The data assumes no claims or violations, $250 deductibles, single marital status, and no discounts are applied.

Guidelines for eliminating full coverage

There is no exact rule for excluding physical damage insurance, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Acura TSX replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after paying the physical damage deductible. If you are currently paying more than $400 a year to have full coverage, then it might be time to buy liability only.

There are a few cases where dropping physical damage coverage is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not remove full coverage.

Slash rates with these rate reducing discounts

Some providers don’t always list every discount available very clearly, so here is a list both the well known in addition to some of the lesser obvious ways to save on insurance.Discount insurance

Remember that some credits don’t apply to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, nobody gets a free ride.

The illustration below shows the comparison of Acura TSX car insurance costs with and without discounts applied to the rates. The data assumes a male driver, no claims or driving citations, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, homeowner, multi-policy, and safe-driver discounts applied.

Larger insurance companies and a partial list of their discounts can be found below.

When getting free Miami car insurance quotes, it’s a good idea to each company which discounts you may be entitled to. Some discounts may not apply in Miami. To see a list of providers offering insurance discounts in Miami, follow this link.

Three reasons to not skimp on auto insurance

Despite the high insurance cost for a Acura TSX in Miami, buying auto insurance is required for several reasons.

The benefits of insuring your car definitely exceed the cost, particularly when you have a large claim. Unknowingly, the average driver overpays as much as $825 a year so it’s important to compare rates at every policy renewal to help ensure money is not being wasted.

Which car insurance company is best in Miami?

Picking the best car insurance provider can be a challenge considering how many companies provide coverage in Florida. The ranking information shown below could help you analyze which companies to look at purchasing from.

Top 10 Miami Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Top 10 Miami Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Local insurance agents

Many people still like to talk to a local agent and that is just fine! The biggest benefit of price shopping on the web is the fact that drivers can get the best rates and still choose a local agent.

Find insurance agent in MiamiTo find an agent, once you fill out this form (opens in new window), your coverage information gets sent to agents in your area that provide free Miami car insurance quotes for your insurance coverage. You won’t even need to visit any agencies since price quotes are sent straight to your inbox. It’s the lowest rates AND an agent nearby. If you need to quote rates from a particular provider, you would need to search and find their rate quote page and fill out the quote form the provide.

Choosing an insurer needs to be determined by more than just the bottom line cost. The following questions are important to ask.