Auto Insurance Rate Quotes for an Acura TSX in New Orleans

It’s shocking but most insurance buyers have stayed with the same insurance company for four years or more, and 38% of drivers have never even compared quotes to find lower-cost rates. New Orleans drivers could save an average of up to $900 each year just by shopping around, but most tend to underestimate the amount of money they would save if they switched to a cheaper policy.

Insurance quote for Acura TSX in New OrleansIt takes a few minutes, but the best way to get affordable Acura TSX insurance in New Orleans is to make a habit of comparing prices annually from insurance carriers who can sell car insurance in Louisiana.

An important bit of advice to remember is that you use the same level of coverage on each quote and and to get price estimates from as many companies as you can. Doing this ensures a fair rate comparison and a thorough price selection.

Shopping around for the most affordable policy in New Orleans is actually quite simple. In a nutshell, everyone who shops around for insurance will most likely find a lower price. Nevertheless, Louisiana consumers do need to understand how big insurance companies determine premium rates and take advantage of how the system works.

Lower-cost Acura TSX insurance in New Orleans

Companies offering auto insurance don’t list all available discounts in an easy-to-find place, so we break down both well-publicized and the harder-to-find discounts that you can inquire about if you buy New Orleans auto insurance online.Cheaper auto insurance with discounts

Policy discounts save money, but some of the credits will not apply to the whole policy. Most only reduce specific coverage prices like medical payments or collision. Even though the math looks like you can get free auto insurance, it just doesn’t work that way.

The chart below visualizes the comparison of Acura TSX insurance prices with and without some available policy discounts. The premiums assume a male driver, no claims or violations, Louisiana state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-car, multi-policy, and claim-free discounts applied.

A few of the larger companies and some of the premium reductions they offer can be found below.

If you are trying to find affordable New Orleans auto insurance quotes, ask each insurance company which credits you are entitled to. Some credits may not apply to policyholders in New Orleans. To see insurers who offer discounts in New Orleans, click here to view.

All the larger car insurance companies make it easy to get prices on their websites. Getting quotes for Acura TSX insurance in New Orleans is pretty painless as you simply type in your personal and coverage information on the page. Upon sending the form, the company’s rating system obtains information on your driving record and credit history and generates pricing information based on the data you entered. Using the web to get rates for Acura TSX insurance in New Orleans simplifies rate comparisons, and it is imperative to perform this step if you want to get a lower rate.

To quickly get comparison pricing now, compare rates now from the companies shown below. To compare your current rates, we recommend you type in the insurance coverages identical to your current policy. This way, you will be getting rate comparison quotes for exact coverage.

The car insurance companies shown below have been selected to offer comparison quotes in Louisiana. If you want the best auto insurance in Louisiana, we recommend you compare several of them in order to find the cheapest rates.

Acura TSX insurance statistics and information

The coverage information below outlines detailed analysis of coverage costs for Acura TSX models. Having a better understanding of how auto insurance policy rates are established helps drivers make decisions on the best policy coverages.

Acura TSX Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $284 $564 $414 $24 $124 $1,410 $118
TSX Technology Package $284 $564 $414 $24 $124 $1,410 $118
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can change prices considerably.

Choosing deductibles

When shopping for insurance, a common question is which deductibles should you choose. The rates below help summarize the difference in cost between low and high insurance deductibles. The first data set uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Acura TSX insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $406 $712 $394 $24 $118 $1,679 $140
TSX Technology Package $406 $712 $394 $24 $118 $1,679 $140
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Acura TSX insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $330 $574 $394 $24 $118 $1,440 $120
TSX Technology Package $330 $574 $394 $24 $118 $1,440 $120
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rates do not factor in garaging location in New Orleans which can lower or raise auto insurance rates significantly.

Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $20 more each month or $240 for a full year averaged for all TSX models than requesting the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 13 months between claim filings, you would probably be better off if you elect the higher deductible.

Calculation for determining deductible levels

Average monthly premium for $250 deductibles: $140
Average monthly premium for $500 deductibles (subtract): – $120
Monthly savings from raising deductible: $20
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One big caveat is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. You will want to have enough disposable income in the event you have to pay the deductible for vehicle repair.

Accidents and violations increase rates

The chart below illustrates how traffic citations and accident claims influence Acura TSX insurance prices for different age groups. The rates are based on a single male driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

Full coverage or liability only

The example below illustrates the difference between Acura TSX insurance premiums with full coverage and liability only. The rate quotes are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are applied.

Guidelines for eliminating full coverage

There isn’t a written rule to exclude physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Acura TSX settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $6,000 after the policy deductible has been paid. If you are currently paying more than $600 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where dropping physical damage coverage is not a good idea. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

Special considerations

When quoting and choosing the best auto insurance coverage for your personal vehicles, there is no one-size-fits-all type of policy. Your financial needs are unique so your insurance needs to address that.Auto insurance savings
For instance, these questions could help you determine if your situation will benefit from professional help.

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

When should I contact an insurance agent?

Many drivers would prefer to go talk to an agent and that is recommended in a lot of cases One of the benefits of price shopping on the web is the fact that drivers can get cheap rate quotes but still work with a licensed agent. Putting coverage with small agencies is important especially in New Orleans.

Insurance agents in New OrleansAfter completing this short form, your insurance coverage information is transmitted to insurance agents in New Orleans that can provide free New Orleans auto insurance quotes for your coverage. It’s much easier because you don’t need to search for an agent as quotes are delivered to you directly. You’ll get the best rates AND an agent nearby. If you wish to get a price quote for a specific company, you just need to visit that company’s website to submit a rate quote request.

How to choose the best car insurance agent in New Orleans

When looking for a reputable insurance agent or broker, it can be helpful to understand the different types of agents and how they function. New Orleans agents can be classified as either independent (non-exclusive) or exclusive.

Independent Agents (or Brokers)

Agents that elect to be independent are normally appointed by many insurers so they have the ability to put coverage with any number of different companies and potentially find a lower price. If premiums increase, they can switch companies in-house and the insured can keep the same agent. When comparison shopping, you will want to get rate quotes from a few independent agents so that you can do a thorough price comparison.

Featured below are New Orleans independent insurance agents that may be able to provide pricing information.

1510 Robert E Lee BlvdNew Orleans, LA 70122(504) 284-7778View Map

3239 Bienville StNew Orleans, LA 70119(504) 371-5519View Map

145 Robert E Lee Blvd #202New Orleans, LA 70124(504) 486-7441View Map

View more New Orleans agents

Exclusive Car Insurance Agents

Agents of this type have only one company to place business with like State Farm, Allstate and AAA. Exclusive agents are unable to compare rates from other companies so always compare other rates. Exclusive insurance agents are well schooled in insurance sales which aids in selling service over price.

Listed below is a list of exclusive agents in New Orleans that can give you rate quotes.

4822 Prytania StNew Orleans, LA 70115(504) 891-2886View Map

3536 Holiday Dr aNew Orleans, LA 70114(504) 367-6660View Map

701 Dante St cNew Orleans, LA 70118(504) 861-2700View Map

View more New Orleans agents

Picking an car insurance agent requires more thought than just the price. The questions below may impact your decision as well.

Upon receiving good responses to your questions and cheaper TSX insurance quotes, you may have found a car insurance agent that meets the criteria to adequately provide car insurance. Just be aware that you have the power to terminate your policy whenever you wish so never assume you are locked into a specific company indefinitely.

Auto insurance companies ranked

Finding the right insurance provider can be a challenge considering how many companies are available to choose from in Louisiana. The company information in the lists below could help you analyze which insurers you want to consider shopping prices with.

Top Auto Insurance Companies in New Orleans
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Auto insurance coverages explained

Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by auto insurance companies.

Liability auto insurance

This provides protection from damage that occurs to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 15/30/25 which stand for a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and $25,000 of coverage for damaged property. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as attorney fees, loss of income, bail bonds and court costs. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible. Louisiana requires minimum liability limits of 15/30/25 but it’s recommended drivers buy higher limits.

The chart below shows why low liability limits may not be enough.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for X-ray expenses, hospital visits and EMT expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

This will pay to fix damage to your TSX caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sideswiping another vehicle, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible on your TSX in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Acura TSX.

Because many people carry very low liability coverage limits (15/30/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are set the same as your liability limits.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, damage from flooding, hail damage and a broken windshield. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

In conclusion

As you prepare to switch companies, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

More affordable auto insurance in New Orleans is possible online as well as from independent agents in New Orleans, and you should compare price quotes from both to have the best selection. Some companies don’t offer online quoting and most of the time these small, regional companies sell through independent agencies.

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