How to Save on Acura TSX Insurance in Oklahoma City

It’s hard to fathom, but over 70% of consumers have remained with the same insurance company for a minimum of four years, and about 40% of consumers have never compared rates to find lower-cost insurance. Most drivers in the U.S. can save 47% each year by just comparing rate quotes, but most undervalue the amount of money they would save if they moved their coverage to a different company.

Discount Acura TSX insuranceIf your goal is the lowest price, then the best way to get low-cost car insurance rates is to start doing an annual price comparison from different companies who can sell car insurance in Oklahoma City. Prices can be compared by following these guidelines.

  1. Read about the coverage provided by your policy and the factors you can control to lower rates. Many things that cause high rates such as speeding tickets, accidents and a not-so-good credit rating can be improved by being financially responsible and driving safely. Continue reading for additional tips to prevent expensive rate increases and find hidden discounts.
  2. Get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from multiple insurance companies. View prices
  3. Compare the new rate quotes to your existing rates to determine if you can save on TSX insurance. If you find a lower rate and change companies, make sure coverage is continuous and does not lapse.
  4. Provide notification to your current company to cancel your existing policy and submit a down payment and signed policy application to your new insurance company. Be sure to place the new proof of insurance certificate in an easily accessible location.

An important part of this process is to make sure you’re comparing identical limits and deductibles on each quote request and and to look at as many auto insurance providers as possible. This ensures an accurate price comparison and maximum price selection.

Just remember that getting more free quotes helps improve the odds of finding better pricing.

The following companies offer comparison quotes in Oklahoma City, OK. If multiple providers are shown, we suggest you visit several of them to get a more complete price comparison.

Coverage analysis

The coverage information shown next outlines a range of rate quotes for Acura TSX models. Understanding how insurance policy premiums are determined can help guide drivers when making decisions when shopping your coverage around.

Acura TSX Insurance Rates in Oklahoma City, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $374 $846 $430 $26 $128 $1,804 $150
TSX Technology Package $374 $846 $430 $26 $128 $1,804 $150
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in specific zip code location which can influence premiums significantly.

The diagram below demonstrates how deductible levels and can change Acura TSX insurance costs for each different age group. The data is based on a single male driver, full physical damage coverage, and no discounts are applied.

Acura TSX liability-only versus full coverage

The information below compares Acura TSX insurance prices with full physical damage coverage compared to only buying liability only. The information is based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

Are you wasting money on full coverage?

There is no exact formula to eliminate full coverage, but there is a general convention. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Acura TSX settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $8,000 after paying your deductible. If premiums are more than $800 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some conditions where only buying liability is not advised. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Discounts can help lower premiums on Acura TSX insurance in Oklahoma City

Some companies don’t always list every policy discount very clearly, so we took the time to find a few of the more well known and also the more inconspicuous car insurance savings.Save money with discounts

As is typical with insurance, many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like it’s possible to get free car insurance, it’s just not the way it works.

The diagram below visualizes the comparison of Acura TSX auto insurance costs with and without discounts. The price estimates are based on a male driver, a clean driving record, no claims, Oklahoma state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, safe-driver, multi-car, and claim-free discounts applied.

A few companies who may offer some of the discounts shown above include:

When getting a coverage quote, ask each insurance company how many discounts you can get. Savings might not be offered in Oklahoma City. To locate insurance companies who offer car insurance discounts in Oklahoma, click here to view.

Three main reasons to buy car insurance

Even though Oklahoma City TSX insurance rates can get expensive, insuring your vehicle may be required and benefits you in several ways.

The benefits of insuring your car greatly outweigh the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver is currently overpaying as much as $865 each year so compare quotes from several companies each time the policy renews to ensure rates are inline.

Oklahoma City auto insurance company ratings

Insuring your vehicle with a highly-rated insurance provider can be rather challenging considering how many companies provide coverage in Oklahoma City. The ranking data in the lists below could help you analyze which providers to look at buying from.

Top 10 Oklahoma City 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

Top 10 Oklahoma City 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%

Tailor your auto insurance coverage to you

Always keep in mind that when comparing coverage online or from an agent for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.Auto insurance savings

These are some specific questions may help you determine if your situation might need an agent’s assistance.

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Get rate quotes but buy from a local Oklahoma City insurance agent

Some people prefer to get advice from a local agent and that is a smart decision One of the benefits of comparing rates online is you may find better rates and still choose a local agent. And buying from local agents is especially important in Oklahoma City.

Insurance agency in Oklahoma CityTo find an agent, once you fill out this quick form, the coverage information is sent to insurance agents in Oklahoma City who will gladly provide quotes for your coverage. You won’t even need to even leave your home due to the fact that quote results will go immediately to you. You can find better rates AND a local agent. If you wish to get a rate quote for a specific company, just search and find their rate quote page and fill out the quote form the provide.

If you want to use a local Oklahoma City insurance agency, you need to know there are two different agency structures that you can select. Agents in Oklahoma City are categorized either independent agents or exclusive agents.

Independent Insurance Agents

Independent agencies can sell policies from many different companies and that gives them the ability to insure with multiple insurance companies enabling the ability to shop coverage around. If they quote lower rates, they can switch companies in-house without you having to go to a different agency.

When comparison shopping, you absolutely need to compare prices from a few independent agents in order to have the best price comparison.

Featured below is a small list of independent insurance agents in Oklahoma City that may be able to give competitive price quotes.

3232 W Britton Rd # 150Oklahoma City, OK 73120(405) 285-4040View Map

5119 N Western AveOklahoma City, OK 73118(405) 217-8851View Map

Dan Ryan Insurance
6300 S Western AveOklahoma City, OK 73139(405) 631-6300View Map

More insurance agents

Exclusive Insurance Agencies

Agents of this type have only one company to place business with like State Farm, Allstate and AAA. Exclusive agents are unable to provide other company’s prices so they really need to provide good service. Exclusive agencies are highly trained on their company’s products and that enables them to sell even at higher rates.

Below are Oklahoma City exclusive insurance agents that are able to give comparison quotes.

Jim Hoffhines – State Farm Insurance Agent
3838 NW 36th St #160Oklahoma City, OK 73112(405) 948-8881View Map

5909 Northwest Expy #105Oklahoma City, OK 73132(405) 722-5858View Map

840 NW 50th StOklahoma City, OK 73118(405) 787-2626View Map

More insurance agents

Finding a good insurance agency should depend on more than just the premium amount. Agents should be asked these questions:

After you get reasonable responses for all questions you ask as well as a affordable price, chances are good that you have found an insurance agent that is a good match to provide car insurance coverage.