Want a free price quotes on more competitive Acura TLX insurance in Tucson? Saving money on Acura TLX insurance in Tucson could be frustrating for people new to online rate comparisons. With such a large number of agents and companies, it can turn into a real challenge to find cheaper prices in Arizona.
A recent auto insurance study discovered that over 70% of drivers have been with the same company for well over three years, and just short of a majority have never compared rates to find cheaper insurance. Tucson drivers can cut their rates by up to $700 a year, but they just assume it takes a lot of time to compare rates and save money.
Compare Acura TLX insurance rates
When price shopping your coverage, quoting more helps increase your odds of locating a better price. Not every company does Tucson TLX insurance quotes over the internet, so you should also compare rates from them, too.
The companies in the list below are ready to provide price comparisons in Arizona. To locate the best cheap car insurance in Arizona, we suggest you compare several of them in order to get a fair rate comparison.
Choosing TLX insurance is an important decision
Despite the potentially high cost of Acura TLX insurance, maintaining insurance serves a purpose in several ways.
- Almost all states have minimum liability requirements which means the state requires specific limits of liability protection in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Acura, it’s most likely the lender will have a requirement that you have full coverage to guarantee payment of the loan. If you let the policy lapse, the lender may insure your Acura at a much higher premium rate and force you to pay for the expensive policy.
- Car insurance preserves both your Acura and your personal assets. Insurance will also pay for hospital and medical expenses that are the result of an accident. Liability coverage will also pay attorney fees in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance outweigh the cost, particularly for liability claims. Unknowingly, the average driver is overpaying more than $800 each year so compare quotes from several companies at every renewal to make sure the price is not too high.
Get cheaper Acura TLX insurance in Tucson with discounts
Properly insuring your vehicles can get expensive, but there could be available discounts that could help you make your next renewal payment. Certain discounts will be applied at the time you complete a quote, but some must be requested specifically prior to getting the savings.
- Defensive Driver Discount – Successfully completing a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
- No Claim Discounts – Good drivers with no accidents are rewarded with significantly better rates on Tucson auto insurance quote when compared with insureds who have frequent claims or accidents.
- ABS Brakes – Cars that have anti-lock braking systems are safer to drive and will save you 10% or more on TLX insurance in Tucson.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but a handful of insurance companies will let one accident slide before raising your premiums if you have no claims for a specific time period.
- Discounts for Multiple Vehicles – Insuring several vehicles with the same car insurance company can get a discount for every vehicle.
- New Car Discount – Insuring a vehicle that is new can cost up to 25% less because newer models have to meet stringent safety requirements.
- Sign Early and Save – A few car insurance companies give discounts for switching companies before your current coverage expires. This can save 10% or more.
- Payment Method – If you pay your entire premium ahead of time rather than paying in monthly installments you could save up to 5%.
- Driver Education Discount – Require your teen driver to enroll in driver’s education as it will make them better drivers and lower rates.
One last thing about discounts, most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck.
Insurance companies that may offer many of the previously listed discounts may include but are not limited to:
Check with all the companies which discounts can lower your rates. Savings might not be offered in Tucson. To view car insurance companies that offer multiple discounts in Tucson, follow this link.
Local agents and car insurance
A lot of people still prefer to buy from a local agent and that can be a smart move A good thing about getting free rate quotes online is that you can obtain the best rates but also keep your business local. And buying from neighborhood agents is especially important in Tucson.
After completing this short form, your insurance data is instantly submitted to participating agents in Tucson who can give free rate quotes to get your business. You won’t even need to drive around since rate quotes are delivered to the email address you provide. Get lower rates AND an agent nearby. If you want to compare rates from a specific company, you would need to navigate to their website and submit a quote form there.
Choose an insurance agent wisely
When narrowing the list to find a reliable agent, it can be helpful to understand the different agency structures that you can choose from. Car insurance agents in Tucson may be either independent or exclusive depending on the company they work for.
Independent Car Insurance Agencies
Agents in the independent channel often have many company appointments and that is an advantage because they can write policies with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, they can switch companies in-house and you won’t have to switch agencies.
If you are comparing rate quotes, you will definitely want to compare quotes from at a minimum one independent agency to get the most accurate price comparison. Most independent agents also contract with smaller regional carriers which could offer lower prices.
Shown below is a partial list of independent agencies in Tucson who may be able to give you competitive price quotes.
- McElwain Insurance
1717 N Tucson Blvd – Tucson, AZ 85716 – (520) 327-3369 – View Map - ETNA INSURANCE AGENCY, INC.
3430 N 1st Ave #2 – Tucson, AZ 85719 – (520) 887-4700 – View Map - Tucson Insurance Associates
51 W Wetmore Rd #101 – Tucson, AZ 85705 – (520) 396-4727 – View Map
Exclusive Agencies
Exclusive agents can only write with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agencies are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive agents are highly trained in insurance sales which helps overcome the inability to quote other rates. Some people will only buy from the same agent for years partially due to the prominent brand name rather than low price.
Below are exclusive insurance agencies in Tucson that are able to give rate quotes.
- Joe Robinette – State Farm Insurance Agent
4640 E Sunrise Dr #103 – Tucson, AZ 85718 – (520) 577-8833 – View Map - American Family Insurance – Marla Avina Agency Inc.
1101 S Sherwood Village Dr – Tucson, AZ 85710 – (520) 546-8877 – View Map - Tim Hill – State Farm Insurance Agent
727 N Swan Rd – Tucson, AZ 85711 – (520) 321-1333 – View Map
Finding the right car insurance agent requires you to look at more than just a cheap price quote. Any agent in Tucson should have no problem answering these questions:
- Do they have designations such as AIC, CPCU, or CIC?
- If independent agents, which companies do they recommend?
- Who are their largest clients?
- Are there any extra charges for paying monthly?
- How often do they review coverages?
Do I need special coverages?
When quoting and choosing a policy, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that.
For instance, these questions may help you determine whether your personal situation could use an agent’s help.
- When should I drop full coverage on my Acura TLX?
- Do I need roadside assistance coverage?
- Which companies will insure me after a DUI?
- Is water damage covered by my policy?
- What companies insure drivers after a DUI or DWI?
- How much underlying liability do I need for an umbrella policy?
- What is GAP insurance?
- Can I cancel at any time?
If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.
What is the best car insurance company in Tucson?
Finding a high-quality insurer is hard considering how many companies provide coverage in Arizona. The ranking data in the lists below may help you choose which car insurance providers you want to consider comparing price quotes from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Smart consumers save more
As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. There have been many situations where an insured dropped comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. The goal is to get the best coverage possible for the lowest cost, but do not skimp to save money.
Some companies don’t offer online price quotes and most of the time these small insurance companies only sell through independent agents. Affordable Acura TLX insurance in Tucson is definitely available from both online companies as well as from insurance agents, so compare prices from both to have the best chance of lowering rates.
We just showed you a lot of information how to save on Acura TLX insurance in Tucson. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even be surprised to find that the biggest savings come from a lesser-known regional company. Regional companies often have lower premium rates on specific markets than the large multi-state companies such as Allstate or State Farm.
How to find affordable Acura TLX insurance in Tucson
The easiest way to find cheaper auto insurance rates in Tucson is to make a habit of regularly comparing prices from insurance carriers who sell insurance in Arizona. You can compare rates by completing these steps.
First, read about what is in your policy and the things you can change to prevent high rates. Many rating criteria that result in higher prices like traffic citations and an unacceptable credit history can be rectified by making minor driving habit or lifestyle changes.
Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO and Allstate, while independent agencies can provide prices for a wide range of companies.
Third, compare the new rate quotes to your existing coverage to determine if you can save on TLX insurance in Tucson. If you find a lower rate and change companies, verify that coverage does not lapse between policies.
A key point to remember is to compare identical limits and deductibles on each quote and and to get rates from as many companies as feasibly possible. Doing this provides a fair price comparison and a complete price analysis.
More information can be read on the following sites:
- Vehicle Insurance in the U.S. (Wikipedia)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Teen Driving Statistics (iihs.org)