Overwhelmed by the wide range of insurance providers available to you? There are such a large number of options that it can quickly become a challenge to find the best rates for Acura TSX insurance in Orlando. Orlando is the perfect city to reside in, but the high premiums for insurance can make it nearly impossible to be able to afford adequate coverage.
It’s astonishing, but 70% of consumers kept their coverage with the same insurance company for well over three years, and approximately 38% of consumers have never shopped around. Orlando consumers could save an average of approximately 55% each year, but they just don’t understand how easy it is to compare rate quotes.
Cheap car insurance in Orlando, FL
The companies shown below can provide free rate quotes in Florida. To find the best cheap auto insurance in Florida, we recommend you visit several of them to get the best price comparison.
Statistics and details
The table shown below covers detailed analysis of insurance prices for Acura TSX models. Understanding more about how insurance policy rates are calculated is important for drivers to make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TSX | $194 | $394 | $400 | $24 | $120 | $1,132 | $94 |
| TSX Technology Package | $194 | $394 | $400 | $24 | $120 | $1,132 | $94 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price information does not factor in specific location information which can lower or raise coverage rates noticeably.
Physical damage deductibles
One common question asked by Orlando drivers is which deductible level should you buy. The comparison tables below show the premium difference between low and high policy deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.
| 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 | |||||||
| 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 | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium costs do not factor in specific Orlando garaging location which can alter premium rates substantially.
Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $48 more each month or $576 annually than selecting the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 19 months between claim filings, you would save money by selecting a higher deductible. The table below shows a better example of how this calculation is made.
| Average monthly premium for $100 deductibles: | $140 |
| Average monthly premium for $1,000 deductibles (subtract): | – $92 |
| Monthly savings from raising deductible: | $48 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $48 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
An important thing to remember is that raising deductibles to get cheaper rates means you will have to pay more of your own money when you have to file a claim. That will require some savings in the bank in the event you need to pay the deductible.
Acura TSX liability-only versus full coverage
The diagram below shows the difference between Acura TSX yearly insurance costs with full coverage and liability only. The prices are based on no claims, a clean driving record, $1,000 deductibles, drivers are single, and no discounts are applied.
When to stop paying for full coverage
There isn’t a written rule to stop paying for physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Acura TSX claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after paying your deductible. If you are paying in excess of $200 annually for physical damage coverage, then it might be time to buy liability only.
There are some situations where removing full coverage is not recommended. If you still have a lienholder on your title, you have to keep full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not remove full coverage.
Eight Tips to Get Cheaper Orlando Insurance Prices
The best way to find cheaper insurance is to take a look at the rating factors that go into determining the level of your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that may result in cheaper rates.
Incidental coverages that aren’t used – Insurance policies have a lot of additional extra coverages you can purchase if you aren’t diligent. Insurance for things like roadside assistance, high-cost glass coverage, and additional equipment coverage are examples of these. You may think they are a good idea when discussing your needs, but if you have no use for them eliminate them to save money.
Continuous coverage lowers prices – Having an insurance coverage lapse will be a fast way to increase your insurance rates. Not only will rates go up, the inability to provide proof of insurance will get you a fine, jail time, or a revoked license.
Consolidating policies can get discounts – Some insurers give lower prices to people that purchase more than one policy. It’s known as a multi-policy discount. Even with this discount applied, it’s always a smart idea to check prices from other companies to help guarantee you have the best rates. It’s possible to still find a better deal by buying insurance from a different company.
Accidents mean higher rates – Being a careful driver influences premium rates substantially. Attentive drivers pay lower auto insurance prices as compared to careless drivers. Having a single chargeable violation can boost insurance rates by twenty percent. People who have flagrant citations like reckless driving or DUI are required to maintain a SR-22 with their state’s licensing department in order to legally drive a vehicle.
The diagram below shows how speeding tickets and at-fault accidents can increase Acura TSX insurance costs for each age group. The rate quotes are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are factored in.
Is insurance cheaper for men or women? – The statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. They both are in fender benders in similar percentages, but males cause more damage and cost insurance companies more money. They also receive more major tickets like driving under the influence (DUI).
The example below illustrates the comparison of Acura TSX insurance premiums for male and female drivers. The price estimates are based on no accidents or driving violations, full physical damage coverage, $1,000 deductibles, single status, and no discounts are taken into consideration.
Big cities mean more claims – Choosing to live in less populated areas can be a good thing when buying insurance. Fewer drivers means a lower chance of having an accident in addition to fewer liability claims. Urban drivers tend to have much more traffic and higher rates of accident claims. More time behind the wheel can result in more accidents.
Premiums are lower the older you get – Older drivers are more responsible, tend to file fewer claims, and receive fewer citations. Teen drivers are known to be inattentive in a vehicle so they pay higher insurance rates.
The chart below uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Get better rates if married – Having a wife or husband actually saves money when shopping for insurance. Having a spouse generally demonstrates drivers are more mature and responsible and statistics show being married results in fewer claims.
Discount Orlando car insurance quotes
Some insurers do not list every policy discount in an easy-to-find place, so we researched a few of the more well known and the more hidden credits that you can use to lower your rates.
- Senior Citizen Rates – Seniors may be able to get better car insurance rates.
- Drive Less and Save – Maintaining low annual mileage may enable drivers to earn better prices on cars that stay parked.
- Passenger Safety Discount – Factory options such as air bags or motorized seat belts may get savings up to 30%.
- No Charge for an Accident – This isn’t a discount exactly, but companies like State Farm and Progressive may permit one accident without raising rates as long as you don’t have any claims for a specific time period.
- Club Memberships – Having an affiliation with a professional or civic organization may earn a discount when getting a Orlando auto insurance quote.
Remember that some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, it just doesn’t work that way.
The chart below compares Acura TSX insurance prices with and without some available policy discounts. The information is based on a male driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, safe-driver, multi-car, and marriage discounts applied.
A list of car insurance companies and their possible discounts are:
- State Farm has discounts for student away at school, anti-theft, good driver, multiple autos, multiple policy, and passive restraint.
- GEICO may offer discounts for seat belt use, multi-policy, air bags, emergency military deployment, driver training, and military active duty.
- Allstate offers premium reductions for early signing, FullPay discount, multi-policy, senior citizen, resident student, and 55 and retired.
- SAFECO may include discounts for multi-car, anti-theft, teen safe driver, bundle discounts, safe driver, and homeowner.
- Farm Bureau includes discounts for driver training, safe driver, multi-policy, good student, and 55 and retired.
- Progressive may have discounts that include continuous coverage, homeowner, good student, online quote discount, multi-policy, online signing, and multi-vehicle.
- AAA has savings for education and occupation, multi-policy, pay-in-full, good student, and AAA membership discount.
Double check with each company which discounts you qualify for. Some of the earlier mentioned discounts might not apply in your area. If you would like to view insurers that offer the discounts shown above in Orlando, click this link.
Insurance quotes from local neighborhood Orlando car insurance agents
Certain consumers prefer to buy from a licensed agent and doing so can bring peace of mind The biggest benefit of comparing insurance prices online is that drivers can save money and get cheap rate quotes but also keep your business local.
To make it easy to find an agent, after completing this simple form, the coverage information is submitted to companies in Orlando who will give you bids for your insurance coverage. There is no reason to find an agent on your own since rate quotes are delivered to you instantly. You can get cheaper insurance rates without the usual hassles of price shopping. If for some reason you want to compare rates for a specific company, you can always jump over to their website and submit a quote form there.
Selecting an provider should depend on more than just a cheap quote. Any agent in Orlando should be willing to answer these questions.
- If your car is in the repair shop, do you have coverage for a rental car?
- Is the agency covered by Errors and Omissions coverage?
- Is coverage determined by price?
- Do they have 24-hour customer assistance?
- Are they able to provide referrals?
- Which companies can they place coverage with?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Not all car insurance agents are the same
If you’re trying to find a local agent, there are two different types of agencies that differ in how they can insure your vehicles. Insurance policy providers can be categorized as either exclusive agents or independent agents.
Exclusive Agencies
These type of agents work for only one company and examples are Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to compare rates from other companies so they are skilled at selling on more than just price. They receive extensive training in insurance sales which helps them sell insurance even at higher premiums. Consumers often buy from exclusive agents mostly because of the brand name rather than low rates.
Shown below is a list of exclusive insurance agents in Orlando who can help you get price quote information.
- Curtis Hunter – State Farm Insurance Agent
3354 Curry Ford Rd – Orlando, FL 32806 – (407) 898-0061 – View Map - Bruce Baltich – State Farm Insurance Agent
198 S Semoran Blvd – Orlando, FL 32807 – (407) 273-9170 – View Map - Alfredo Ortega – State Farm Insurance Agent
1118 Manor Dr – Orlando, FL 32807 – (407) 249-9999 – View Map
Independent Insurance Agencies
Independent agencies are not required to write business for one company so they can write business through lots of different companies depending on which coverage is best. To transfer your coverage to a different company, your agent can switch companies and you don’t have to do anything.
If you are comparing insurance prices, it’s recommended you get several quotes from at a minimum one independent agency to maximize your price options. They also have the ability to place coverage with small regional insurance companies that may provide cheaper insurance rates.
Listed below are Orlando independent insurance agencies who can help you get price quotes.
- Budget Insurance Agency
5574 N Orange Blossom Trail – Orlando, FL 32808 – (321) 270-6385 – View Map - Bud Redditt Insurance Agency Inc
1716 W Colonial Dr – Orlando, FL 32804 – (407) 855-6797 – View Map - J Meyers Insurance Agency
5003 Old Cheney Hwy – Orlando, FL 32807 – (407) 273-0230 – View Map
Best car insurance in Florida
Insuring your vehicle with the right auto insurance company can be rather challenging considering how many different insurance companies sell coverage in Florida. The rank data listed below may help you select which insurers you want to consider when comparing rate quotes.
Top 10 Orlando Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Don’t assume everyone needs the same insurance coverage
When it comes to choosing proper insurance coverage, there isn’t really a one-size-fits-all type of policy. Everyone’s situation is unique and your insurance should be unique as well.
Here are some questions about coverages that can help discover whether you will benefit from professional help.
- Does my policy pay for OEM or aftermarket parts?
- Do I need rental car coverage?
- Does my personal policy cover me when driving out-of-state?
- Is my teenager covered with friends in the car?
- Why am I required to buy high-risk coverage?
- Should I buy only the required Florida minimum liability coverage?
- Am I covered if I crash into my own garage door?
- Are my custom wheels covered?
If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.
The most affordable rates come from being thorough
We’ve covered many tips how you can get a better price on Acura TSX insurance in Orlando. The key concept to understand is the more companies you get prices for, the better chance you’ll have of finding affordable Orlando auto insurance quotes. Consumers could even find that the lowest premium rates come from a small local company. These companies may often insure only within specific states and give better rates than the large multi-state companies such as State Farm and Allstate.
When trying to cut insurance costs, it’s very important that you do not reduce needed coverages to save money. In many cases, consumers will sacrifice comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at the best possible price and still be able to protect your assets.
Steps to finding more affordable Acura TSX insurance in Orlando
If you want to find the absolute lowest rates, then the best way to find affordable Acura TSX insurance in Orlando is to do an annual price comparison from insurers who can sell car insurance in Florida.
- Take a few minutes and learn about what is in your policy and the things you can change to prevent high rates. Many rating factors that are responsible for high rates such as speeding tickets, careless driving and an imperfect credit history can be remedied by making lifestyle changes or driving safer.
- Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can quote rates from multiple companies.
- Compare the new quotes to the premium of your current policy to see if cheaper TSX coverage is available. If you can save some money and decide to switch, make sure there is no lapse in coverage.
- Notify your company or agent of your decision to cancel your current car insurance policy. Submit a down payment along with a signed application to your new insurance company. As soon as coverage is bound, place your new certificate verifying proof of insurance with the vehicle registration.
One tip to remember is to make sure you’re comparing the same level of coverage on each price quote and and to analyze as many companies as possible. This ensures an apples-to-apples comparison and a good representation of prices.
Additional detailed information can be read at these sites:
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Who Has Affordable Orlando Car Insurance Rates for Real Estate Agents? (FAQ)
- Who Has Cheap Car Insurance for a Subaru Outback in Orlando? (FAQ)
- Who Has Affordable Orlando Auto Insurance for Low Income Drivers? (FAQ)
- What Insurance is Cheapest for a Nissan Sentra in Orlando? (FAQ)
- What Car Insurance is Cheapest for State Employees in Orlando? (FAQ)
- Who Has Affordable Orlando Auto Insurance for Lyft Drivers? (FAQ)
- How Much are Orlando Auto Insurance Quotes for Unemployed Drivers? (FAQ)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Think You’re a Safe Driver? (State Farm)