Affordable Acura TSX Insurance in Santa Ana

Do you get exhausted from wondering where the money will come from each month for car insurance? You're in the same situation as many other California drivers.

Sad but true, a large majority of drivers kept their coverage with the same car insurance company for more than four years, and approximately 38% of consumers have never quoted rates to find lower-cost coverage. Most drivers in Santa Ana could save as much as 35% every year by just shopping around, but they just assume it's a time-consuming process to find lower-cost insurance by shopping around.

Online insurance companies like State Farm and GEICO all claim big savings, bombarding you with catchy ads and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

If you're already insured, you stand a good chance to be able to save money using this strategy. Locating the best rates in Santa Ana is much easier if you have a good place to start. But California vehicle owners must comprehend the methods companies use to price online insurance because it can help you find the best coverage.

Just keep in mind that getting more free quotes helps improve the odds of finding a lower rate.

The companies shown below have been selected to offer price comparisons in Santa Ana, CA. If more than one company is shown, we suggest you get rate quotes from several of them in order to find the lowest rates.

Auto insurance protects more than just your car

Even though it's not necessarily cheap to insure an Acura in Santa Ana, paying for auto insurance is required in California but it also protects you in many ways.

First, just about all states have minimum liability requirements which means you are required to carry a specific level of liability protection if you want to drive legally. 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.

Second, if you have a loan on your Acura TSX, almost all lenders will make it a condition of the loan that you have full coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Acura at a more expensive rate and require you to fork over for the expensive policy.

Third, auto insurance preserves both your assets and your Acura. It will also reimburse you for most medical and hospital costs incurred in an accident. Liability insurance also covers legal expenses if you are sued as the result of your driving. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of insuring your TSX are definitely more than the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is overpaying over $830 a year so you should quote and compare rates at every policy renewal to ensure rates are inline.

Facts and figures for Acura TSX insurance

The coverage information below outlines different coverage costs for Acura TSX models. Learning as much as possible about how policy rates are calculated can be valuable when making decisions when shopping around.

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium costs do not factor in specific location which can change insurance rates substantially.

Policy deductible comparison

One of the most common insurance questions is how high or low should comp and collision deductibles be. The rates shown below may help to illustrate the difference in cost between high and low policy deductibles. The first rate table uses a $250 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can alter prices substantially.

Based on the data above, we can derive that using a $250 deductible will cost you roughly $19 more each month or $228 annually averaged for all TSX models than selecting the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average more than 13 months between claims, you would probably be better off if you elect the higher deductible.

Acura TSX full coverage rates compared to liability only

The information below compares Acura TSX insurance premiums with and without full coverage. The costs are based on a clean driving record, no claims, $1,000 deductibles, drivers are not married, and no discounts are factored in.

Are you wasting money paying for full coverage?

There isn't a written rule to stop buying comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let's say your Acura TSX replacement cost is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after paying the physical damage deductible. If it's costing in excess of $300 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some conditions where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not opt for liability only.

Affordable Santa Ana car insurance rates with discounts

Companies that sell car insurance don't necessarily list all available discounts very clearly, so here is a list both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy Santa Ana auto insurance online.

• Drive Safe and Save - Insureds who avoid accidents can save as much as half off their rates than less cautious drivers.
• Drive Less and Save - Fewer annual miles on your Acura may enable drivers to earn substantially lower prices.
• Federal Employees - Simply working for the federal government may reduce rates when you quote Santa Ana auto insurance depending on your company.
• Student Discounts - This discount can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
• Accident Waiver - This isn't a discount exactly, but companies like State Farm and Progressive permit an accident before hitting you with a surcharge as long as you don't have any claims before the accident.
• Senior Citizen Rates - If you're over the age of 55, you may receive a small discount on rates.
• Distant Student - Children who are enrolled in higher education away from home and do not have a car may be insured at a cheaper rate.
• Defensive Driving Course - Taking part in a course in defensive driving can save you 5% or more and easily pay for the cost of the class.

It's important to note that many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, companies don't profit that way.

The illustration below visualizes the comparison of Acura TSX yearly insurance costs with and without discounts being applied to the rates. The premium estimates are based on a female driver, no claims, a clean driving record, 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 homeowner, claim-free, safe-driver, multi-policy, marriage, and multi-car discounts applied.

If you would like to see a list of companies that have a full spectrum of discounts in Santa Ana, click here to view.

When to contact an agent

Many people still like to buy from a licensed agent and often times that is recommended One of the best bonuses of getting free rate quotes online is that you can find cheap car insurance quotes and still have an agent to talk to. And supporting neighborhood agents is definitely important in Santa Ana.

By using this quick form, your coverage information is instantly submitted to local insurance agents in Santa Ana who will give you quotes for your business. There is no need to even leave your home since price quotes are sent to the email address you provide. You'll get the best rates without having to waste a lot of time. If you need to quote rates from one company in particular, you can always go to their quote page and fill out the quote form the provide.

Different types of auto insurance agents in Santa Ana

If you want to use a reputable insurance agent or broker, there are a couple of types of agencies that differ in how they can insure your vehicles. Agencies in Santa Ana are categorized either exclusive or independent agents depending on their company appointments.

Independent Insurance Agents

These type of agents can sell policies from many different companies and that gives them the ability to insure through many different car insurance companies and get the cheapest rates. If they quote lower rates, they simply switch companies in-house and you stay with the same agent.

If you need lower rates, you definitely need to compare quotes from multiple independent agents to get the most accurate price comparison.

Below is a small list of independent agencies in Santa Ana who can help you get free car insurance rate quotes.

More insurance agents

Exclusive Car Insurance Agents

Agents that choose to be exclusive normally can only provide a single company's rates and some examples include Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot compare rates from other companies so they have to upsell other benefits. Exclusive agents are usually quite knowledgeable on their company's products which helps them compete with independent agents.

Below is a list of exclusive insurance agents in Santa Ana that can give you rate quotes.

More insurance agents

Picking a insurance agency is decision based upon more than just the premium amount. The answers to these questions are important, too.

• How long have they worked with personal auto insurance coverage?
• Is the agent and/or agency licensed to do business in California?
• Which companies can they place coverage with?
• Does the agency provide any after hours assistance?
• Are they primarily personal or commercial lines agents in Santa Ana?
• Does the agency support the community they serve?
• What is the agency's Better Business Bureau rating?
• Does the company use OEM repair parts?

What is the best auto insurance coverage?

When it comes to adequate coverage, there really is not a "best" method to buy coverage. Your needs are not the same as everyone else's so your insurance needs to address that. For instance, these questions can aid in determining if your situation will benefit from professional help.

• Does my policy cover me if I wreck while driving under the influence?
• When can my company non-renew my policy?
• Are there companies who specialize in insuring high-risk drivers?
• What are the best liability limits?
• Do I need roadside assistance coverage?
• Can I get a multi-policy discount for packaging my home and auto coverage?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Best car insurance company in Santa Ana

Selecting the top auto insurance company can be a challenge considering how many choices there are in Santa Ana. The company information below may help you decide which providers you want to consider when comparing rate quotes.

Top 10 Santa Ana Car Insurance Companies Overall

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Information about specific coverages

Knowing the specifics of insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you'll find typical coverage types offered by insurance companies.

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on other's property or people that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 15/30/5 that means you have a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and a limit of $5,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things like bail bonds, repair bills for other people's vehicles, attorney fees, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but drivers should carry more liability than the minimum.

The illustration below shows why buying minimum limits may not be high enough to adequately cover claims.

Collision protection

This covers damage to your TSX resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, rolling your car, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible on your TSX in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like surgery, rehabilitation expenses, funeral costs, nursing services and EMT expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, hitting a bird and damage from flooding. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Covered claims include hospital bills for your injuries and damage to your Acura TSX.

Due to the fact that many California drivers only carry the minimum required liability limits (California limits are 15/30/5), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.

Do the work, save more money

Budget-conscious Acura TSX insurance can be found from both online companies as well as from independent agents in Santa Ana, and you need to price shop both to have the best selection. Some insurance providers do not provide the ability to get quotes online and usually these regional carriers provide coverage only through independent agents.

You just learned a lot of tips how to compare Acura TSX insurance premium rates in Santa Ana. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the best premium rates are with the smaller companies. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

Steps to finding cheaper quotes for Acura TSX insurance in Santa Ana

If you want to save the most money, the best way to find affordable car insurance rates in Santa Ana is to regularly compare prices from insurance carriers in California.

• Step 1: Try to comprehend how your policy works and the measures you can take to drop your rates. Many risk factors that result in higher prices like distracted driving and an unfavorable credit rating can be controlled by making lifestyle changes or driving safer.
• Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or Allstate, while independent agents can provide price quotes for many different companies. View prices
• Step 3: Compare the new rate quotes to your existing coverage to see if a cheaper rate is available in Santa Ana. If you find a better price and make a switch, make sure coverage is continuous and does not lapse.

A tip to remember is that you'll want to make sure you compare identical coverage information on each quote and and to get rate quotes from as many companies as feasibly possible. Doing this helps ensure the most accurate price comparison and many rates to choose from.

To learn more, feel free to visit the articles below:

• Think You're a Safe Driver? (State Farm)
• Who Has Cheap Santa Ana Car Insurance Rates for Postal Workers? (FAQ)
• Who Has the Cheapest Santa Ana Auto Insurance for 16 Year Olds? (FAQ)
• Who Has Affordable Santa Ana Auto Insurance for High Risk Drivers? (FAQ)
• Who Has Cheap Santa Ana Auto Insurance Quotes for a Nissan Versa? (FAQ)
• Steps to Take After an Auto Accident (Insurance Information Institute)
• Medical Payments Coverage (Liberty Mutual)