The best way we recommend to find cheaper prices for auto insurance rates is to regularly compare price quotes from insurance carriers in Stockton. You can shop around by following these steps.
Step 1: It will benefit you to learn about coverages and the things you can control to lower rates. Many policy risk factors that drive up the price such as accidents, traffic tickets, and bad credit can be rectified by improving your driving habits or financial responsibility.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agents can quote rates from many different companies.
Step 3: Compare the new rates to the price on your current policy to see if switching to a new carrier will save money. If you can save money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Provide notification to your current agent or company of your decision to cancel your current auto insurance policy. Submit the completed application along with a down payment for the new coverage. As soon as coverage is bound, safely store the certificate verifying proof of insurance with your vehicle’s registration.
A key point to remember is to try to use the same coverage limits and deductibles on each quote request and and to get price estimates from as many carriers as you can. Doing this guarantees a level playing field and the best rate selection.
Anyone knows that auto insurance companies don’t want you shop around. Consumers who shop around for better prices are very likely to buy a different policy because of the good chance of finding coverage at a cheaper rate. A recent study showed that consumers who compared prices regularly saved as much as $3,500 over four years compared to other drivers who never compared rates.
If saving money on auto insurance is your objective, then having some insight into the best way to shop and compare coverage rates can make shopping around easier.
Choosing the best insurance company for you in Stockton is actually quite easy if you know where to start. If you have a current insurance policy or are looking for a new policy, use these cost-cutting techniques to cut your premiums and still have adequate protection. Drivers only need to know the most time-saving way to shop for insurance from multiple carriers.
Best companies for Acura TSX insurance
The companies in the list below have been selected to offer free quotes in Stockton, CA. If several companies are displayed, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Rates and information analytics
The information shown below showcases detailed analysis of insurance coverage prices for Acura TSX models. Learning more about how policy rates are calculated can be of help when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TSX | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| TSX Technology Package | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in garaging location in Stockton which can revise coverage prices greatly.
Choosing deductibles
One of the most common car insurance questions is how low should you set your deductibles. The following tables can help show the difference in cost when you select higher and lower comp and collision deductibles. The first set of rates uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TSX | $386 | $678 | $376 | $22 | $112 | $1,599 | $133 |
| TSX Technology Package | $386 | $678 | $376 | $22 | $112 | $1,599 | $133 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TSX | $314 | $546 | $376 | $22 | $112 | $1,370 | $114 |
| TSX Technology Package | $314 | $546 | $376 | $22 | $112 | $1,370 | $114 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price information does not factor in your specific Stockton location which can influence premium rates greatly.
Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $19 more each month or $228 for a full year than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 13 months between claims, you would probably come out ahead if you decide on a higher deductible.
The illustration below illustrates how your deductible choice and can influence Acura TSX insurance rates for different age categories. The price estimates are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
Car insurance cost for men versus women
The illustration below compares Acura TSX insurance rates for male and female drivers. Data assumes a clean driving record, no at-fault accidents, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied to the premium.
Liability only or full coverage
The diagram below visualizes the comparison of Acura TSX auto insurance rates with and without physical damage coverage. The prices are based on no accidents, no driving violations, $100 deductibles, marital status is single, and no discounts are taken into consideration.
Should you be buying full coverage?
There is no definitive rule for eliminating physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s say your Acura TSX replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after the policy deductible has been paid. If it’s costing you more than $400 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are some cases where only buying liability is not recommended. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Do you qualify for discounts?
Auto insurance is easily one of your largest bills, but you may qualify for discounts that many consumers don’t even know exist. Many discounts should be triggered when you purchase, but some may not be applied and must be inquired about prior to receiving the credit.
- Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts can save up to 15% off the medical payments premium.
- Student Discount for Driver Training – Teen drivers should complete a driver education course if it’s offered in school.
- Lower Rates for Military – Being on active duty in the military may lower your prices slightly.
- Paper-free Discount – Certain auto insurance companies give back up to $50 for buying a policy and signing up on your computer.
- Good Driver Discount – Insureds who avoid accidents may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
- Defensive Driver Discounts – Taking part in a driver safety course could possibly earn you a 5% discount and also improve your driving technique.
- Senior Citizen Discount – If you’re over the age of 55, you can possibly qualify for reduced rates.
- No Claim Discounts – Stockton drivers who stay claim-free have much lower rates compared to drivers with a long claim history.
- Passive Restraints – Vehicles with factory air bags may earn rate discounts of 25 to 30%.
Policy discounts save money, but most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, auto insurance companies aren’t that generous.
The example below shows the comparison of Acura TSX car insurance costs with and without discounts. Data assumes a male driver, no violations or claims, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, marriage, multi-car, and multi-policy discounts applied.
Popular auto insurance companies and their offered discounts are included below.
- GEICO has savings for federal employee, seat belt use, good student, military active duty, multi-vehicle, and air bags.
- MetLife policyholders can earn discounts including multi-policy, accident-free, claim-free, defensive driver, and good student.
- State Farm has discounts for student away at school, defensive driving training, Steer Clear safe driver discount, multiple autos, good student, passive restraint, and multiple policy.
- Progressive may include discounts for homeowner, online signing, online quote discount, good student, and multi-policy.
- Mercury Insurance includes discounts for accident-free, ease of repair, annual mileage, multi-car, type of vehicle, professional/association, and anti-theft.
- 21st Century may have discounts that include 55 and older, automatic seat belts, good student, student driver, theft prevention, and teen driver.
- Allstate offers premium reductions for defensive driver, auto/life discount, early signing, utility vehicle, 55 and retired, and eSmart discount.
When getting a coverage quote, ask all companies you are considering how you can save money. All car insurance discounts might not be offered on policies in your state. If you would like to choose from a list of insurers that can offer you the previously mentioned discounts in California, click here.
Acura TSX Insurance Rates Can Be Lower
An important part of buying insurance is that you know some of the elements that go into determining the price you pay for insurance. If you understand what determines base rates, this allows you to make educated decisions that may result in big savings.
Bad driving leads to higher rates – Even a single citation can boost insurance rates by twenty percent. Good drivers have lower premiums compared to bad drivers. Drivers who have gotten serious citations like hit and run, DWI or reckless driving convictions may need to maintain a SR-22 with their state DMV in order to legally drive.
The chart below highlights how speeding tickets and at-fault accidents can influence Acura TSX auto insurance costs for each age group. The prices are based on a married female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
Vocation impacts rates – Do you work in a high-stress field? Occupations like military personnel, architects, and dentists are shown to have the highest rates attributed to job stress and incredibly demanding work hours. On the other hand, jobs such as farmers, athletes and performers receive lower rates.
Get better rates if married – Having a significant other can get you a discount compared to being single. Marriage is viewed as being more financially stable and insurance companies reward insureds because drivers who are married are more cautious.
High premiums for teenage drivers – Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims, and get fewer tickets. Young drivers are proven to get distracted easily when at the wheel of a vehicle and because of this, their insurance rates are much higher.
The next chart is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.
An active claims history can cost more – If you tend to file frequent claims, you should expect increased rates or even have your policy non-renewed. Companies in California generally give most affordable rates to insureds that do not abuse their auto insurance. Insurance coverage is meant to be used in the event of the large, substantial claims.
Your location is a factor – Residing in areas with lower population can be a good thing if you are looking for the lowest rates. People who live in big cities have more road rage incidents and more severe claims. Fewer drivers and short commutes means less chance of accidents.
Don’t assume everyone needs the same auto insurance coverage
When buying the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.
For instance, these questions can aid in determining if you could use an agent’s help.
- If I drive on a suspended license am I covered?
- Can I get a multi-policy discount?
- Does my insurance cover my expensive audio equipment?
- What policy terms are available?
- Are combined or split liability limits better?
- Is a driver training discount available?
If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.
Insurance quotes from local Stockton insurance agencies
Some consumers prefer to have an agent’s advice and that is just fine! Good insurance agents can help you choose the best coverages and help submit paperwork. A good thing about comparing insurance prices online is the fact that drivers can get better rates and still buy from a local agent.
To find an agent, once you fill out this simple form, your coverage information is transmitted to companies in Stockton that can provide free Stockton car insurance quotes for your business. It’s much easier because you don’t need to even leave your home since rate quotes are delivered to your email. If you need to compare prices from a specific company, you can always search and find their rate quote page and fill out the quote form the provide.
Selecting an provider is decision based upon more than just a cheap price. Here are some questions you might want to ask.
- Will the company cover a rental car if your car is getting fixed?
- How many years have they been established?
- Can you use your own choice of collision repair facility?
- What insurance companies do they recommend if they are an independent agent?
- Does the company use OEM repair parts?
When looking for a reliable agent, it’s helpful to know the different types of agents that you can choose from. Agents in Stockton may be either exclusive or independent. Either one can write insurance policies, but it is a good idea to know the differences since it could factor into the type of agent you choose.
Exclusive Insurance Agencies
Agents that choose to be exclusive can only place business with one company such as State Farm, Allstate and AAA. Exclusive agents are unable to place coverage with different providers so keep that in mind. These agents are well schooled in insurance sales and that allows them to sell at a higher price point. Consumers sometimes buy insurance from these agents partially due to loyalty to the company and strong financial ratings.
The following are Stockton exclusive insurance agencies that are able to give price quotes.
- Allstate Insurance Agent: Confidence Plus Insurance Services
6852 Pacific Ave b – Stockton, CA 95207 – (209) 473-4403 – View Map - Farmers Insurance: Edward Barney
1350 W Robinhood Dr #3 – Stockton, CA 95207 – (209) 477-6215 – View Map - Farmers Insurance: W. Faye Giovenetti
1833 W March Ln #2 – Stockton, CA 95207 – (209) 472-7704 – View Map
Independent Agents
Independent insurance agents can sell policies from many different companies so they have the ability to put coverage with lots of companies and get the cheapest rates. If your agent finds better pricing, they simply move your policy to a different company and you won’t have to switch agencies.
When comparing insurance rates, we highly recommend that you include rate quotes from independent agents in order to compare the most rates. Most also have access to additional companies that you may not be familiar with that may have much lower rates than larger companies.
Listed below is a short list of independent agencies in Stockton that are able to give comparison quotes.
- Raj Insurance Services
1743 Grand Canal Blvd #12 – Stockton, CA 95207 – (209) 472-2060 – View Map - Truex Insurance Agency
4609 Quail Lakes Dr #1 – Stockton, CA 95207 – (209) 477-1111 – View Map - Pan American Insurance Agency
2800 W March Ln – Stockton, CA 95219 – (209) 955-2600 – View Map
More comparisons equals affordable rates
Cost effective Acura TSX insurance can be bought online in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture. Some auto insurance companies don’t offer internet price quotes and many times these smaller providers provide coverage only through independent agents.
Insureds switch companies for any number of reasons including high prices, poor customer service, denial of a claim or even questionable increases in premium. Regardless of your reason, switching auto insurance companies is easier than you think.
We just covered a lot of ways to compare Acura TSX insurance premium rates in Stockton. The most important thing to understand is the more quotes you get, the higher your chance of finding inexpensive Stockton car insurance quotes. You may even find the most savings is with a company that doesn’t do a lot of advertising.
Other resources
- Neck Injury FAQ (iihs.org)
- How Much are Auto Insurance Rates for a Chevrolet Traverse in Stockton? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Vehicle Size and Weight FAQ (iihs.org)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Things to Know Before you Cancel Insurance (Allstate)