Insurance rates Acura TSX in DenverWant to learn how to buy more competitive Acura TSX insurance in Denver? Did you make the mistake of buying high-priced Acura TSX insurance in Denver? Don't feel bad because many Denver consumers are in the same pinch.

Astonishing but true, most consumers have been with the same company for four years or more, and just under half have never compared rates to find cheaper insurance. Denver drivers could save almost $605 a year just by comparing rates, but they mistakenly think it's difficult to find cheaper insurance by shopping around. Big companies like GEICO, Farmers Insurance and State Farm all claim big savings, bombarding you with catchy ads and it is challenging if not impossible to see past the geckos and flying pigs and take the time to shop coverage around.

It's a great practice to do price comparisons once or twice a year because car insurance rates change frequently. Despite the fact that you may have had the best deal on Acura TSX insurance in Denver a year ago the chances are good that you can find a lower price today. Forget all the misinformation about car insurance because it's time to teach you the fastest way to save money, get proper coverage and the best rates.

Educated Choices Result in Lower Insurance Prices

Smart consumers have a good feel for the rating factors that help calculate your premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that could help you find cheaper rates.

Teenage drivers are expensive to insure - Young drivers in Colorado are proven to be easily distracted when driving with friends and because of this, their car insurance rates are much higher. Parents adding a teen driver onto your car insurance can cause a big jump in price. More experienced drivers have been proven to be more responsible, file fewer claims, and tend to be get fewer driving tickets.

Car features impact premiums - Choosing a vehicle with advanced anti-theft systems can earn a premium discount. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart vehicle theft.

Gender and insurance premiums - Over time, data shows women tend to be less risk to insure than men. That doesn't necessarily mean that females are better drivers. Both sexes are in accidents at about the same rate, but men have accidents that have higher claims. In addition to higher claims, males also receive more major tickets like driving under the influence (DUI).

Raise your deductibles for better costs - Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some instances where coverage would apply would be a broken side mirror, vandalism, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more of the claim the insured has to pay upfront, the better rate you will receive.

No policy lapses lowers prices - Allowing your car insurance policy to lapse is a quick way to drive up your policy premiums. And not only will your rates increase, getting caught without coverage will get you a license revocation or jail time. You may need to file a SR-22 with the Colorado department of motor vehicles.

The companies shown below are ready to provide quotes in Colorado. If the list has multiple companies, we recommend you compare several of them to find the most affordable car insurance rates.

Acura TSX Insurance Rates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $148 $288 $286 $16 $86 $824 $69
TSX Technology Package $184 $332 $304 $18 $92 $930 $78
Get Your Own Custom Quote Go

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in Denver location which can alter coverage prices substantially.

How high should deductibles be?

A question often asked by Denver drivers is the level to set your comp and collision deductibles. The data tables below summarize the difference in cost of buying low and high physical damage deductibles. The first pricing table uses a $100 deductible and the second set of prices uses a $500 deductible.

Acura TSX insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $342 $644 $298 $18 $90 $1,417 $118
TSX Technology Package $342 $644 $298 $18 $90 $1,417 $118
Get Your Own Custom Quote Go
Acura TSX insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $250 $434 $298 $18 $90 $1,090 $91
TSX Technology Package $250 $434 $298 $18 $90 $1,090 $91
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rates do not factor in Denver location which can influence premiums greatly.

Based on these figures, using a $100 deductible will cost in the ballpark of $27 more each month or $324 each year than choosing the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 15 months between claim filings, you would most likely save money by selecting a higher deductible.

Rate comparison of men versus women

The information below illustrates the difference between Acura TSX auto insurance rates for male and female drivers. The costs are based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

Advertising and car insurance

Colorado consumers can't avoid all the ads for car insurance savings by Allstate, GEICO and Progressive. They all seem to make an identical promise that people will save if you just switch your policy.

How does each company lower your rates? You have to listen carefully.

Companies have strict underwriting profiles for the type of customer they prefer to insure. For instance, this type of driver might have to be over the age of 50, has other policies, and insures a new vehicle. A customer who fits that profile will qualify for the lowest rates in Denver and have a good chance to cut their Acura TSX insurance rates if they switch.

Potential insureds who do not meet these stringent criteria will probably have to pay a higher premium and this can result in the customer buying from a different company. The ads state "people that switch" not "everyone that quotes" save money. That is how companies can make the claims of big savings. Because each company has a different risk profile, it is so important to get Denver auto insurance quotes from several different companies. It is just not possible to predict which insurance companies will fit you best based on your risk profile.

Three good reasons to insure your vehicle

Despite the potentially high cost of Acura TSX insurance, insurance is mandatory in Colorado but it also protects more than you think.

The benefits of carrying adequate insurance outweigh the cost, especially if you ever need it. The average driver in America is overpaying more than $750 every year so it's recommended you shop around every year to help ensure money is not being wasted.

Discounts mean cheaper rates for Acura TSX insurance in Denver

Car insurance companies don't always publicize every disount available in a way that's easy to find, so here is a list a few of the more well known as well as the least known insurance savings.Discount insurance

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like adding up those discounts means a free policy, nobody gets a free ride.

Insurance companies that have these money-saving discounts include:

When getting a coverage quote, ask each company which discounts you may be entitled to. All car insurance discounts may not be offered in your state. If you would like to choose from a list of providers with the best Acura TSX insurance discounts in Colorado, click here.

Local neighborhood Denver car insurance agents

Many drivers just want to get advice from a local agent and that can be a great decision Insurance agents will help you protect your assets and give you someone to call. A nice benefit of price shopping on the web is that you can find cheaper car insurance rates and still choose a local agent.

Find insurance agent in DenverAfter completing this short form, your coverage information is submitted to agents in your area that provide free Denver auto insurance quotes for your insurance coverage. You won't even need to visit any agencies since price quotes are sent to you directly. If for some reason you want to quote rates from a particular provider, you can always visit that company's website and give them your coverage information.

Selecting an provider requires more thought than just the premium amount. Here are some questions you should ask.

Choose an insurance agent wisely

If you are searching for a reliable agent, there are two different types of agencies and how they differ in how they quote coverages. Insurance policy providers can be classified as either exclusive or independent (non-exclusive). Either one can properly insure your vehicles, but we need to point out the differences since it can affect your selection of an agent.

Exclusive Insurance Agencies

Exclusive agencies can only place business with one company and examples are AAA, Allstate, State Farm, or Farmers Insurance. These agents are not able to provide other company's prices so keep that in mind. These agents are well schooled on what they offer which helps them sell on service rather than price.

The following is a list of exclusive insurance agents in Denver willing to provide price quote information.

671 E 19th Ave - Denver, CO 80203 - (303) 744-0757 - View Map

1145 S Federal Blvd - Denver, CO 80219 - (303) 975-8911 - View Map

1900 Wazee St #1538 - Denver, CO 80202 - (303) 595-5500 - View Map

More insurance agents

Independent Agents

Independent insurance agents are not required to write business for one company and that gives them the ability to insure with an assortment of companies and get the cheapest rates. To move your coverage to a new company, they can switch companies in-house and you can keep the same agent. When shopping rates, you will definitely want to compare quotes from several independent insurance agents for the best price selection.

Listed below are Denver independent agents who can help you get price quote information.

67 Knox Ct - Denver, CO 80219 - (303) 935-3661 - View Map

2696 CO-2 - Denver, CO 80222 - (303) 377-1172 - View Map

4704 Harlan St #360 - Denver, CO 80212 - (303) 237-5445 - View Map

More insurance agents

Compare. Compare. Compare.

Lower-priced Acura TSX insurance in Denver is possible from both online companies as well as from independent agents in Denver, so you need to shop Denver auto insurance with both to have the best selection. Some auto insurance companies don't offer price quotes online and most of the time these small, regional companies prefer to sell through local independent agencies.

When trying to cut insurance costs, it's not a good idea to sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time they didn't have enough coverage. Your strategy should be to buy enough coverage at the best possible price but still have enough coverage for asset protection.

We just presented many ways to shop for Acura TSX insurance online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even be surprised to find that the biggest savings come from the smaller companies. They often have lower car insurance rates on specific markets compared to the large companies like Progressive and GEICO.

Even more information can be found at these sites: