Are you sick and tired of sacrificing each month for insurance? You’re in the same situation as many other Missouri drivers.
Regrettably, over 70% of drivers kept their policy with the same company for over three years, and practically 40% of insurance customers have never quoted insurance rates at all. Many consumers in Missouri could save as much as 25% each year just by shopping around, but they think it’s difficult to do a rate comparison.
How to buy lower priced Acura TSX insurance in Kansas City
Truthfully, the best way to get cheaper car insurance rates is to annually compare prices from providers in Kansas City.
- Step 1: Read and learn about policy coverages and the changes you can make to keep rates low. Many things that drive up the price like speeding tickets, careless driving and a not-so-good credit score can be controlled by being financially responsible and driving safely. This article gives information to help find cheaper rates and find overlooked discounts.
- Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and State Farm, while independent agencies can give you price quotes for a wide range of companies.
- Step 3: Compare the quotes to your existing coverage to see if switching to a new carrier will save money. If you can save some money and buy the policy, verify that coverage does not lapse between policies.
An essential thing to point out is to try to use identical coverage information on every price quote and and to get price estimates from as many companies as feasibly possible. This enables a level playing field and a complete price analysis.
Many insurers vie for your hard-earned dollar, so it’s not easy to compare every insurer to find the lowest rate on Acura TSX insurance in Kansas City.
It is always a good idea to take a look at other company’s rates at least once a year because insurance prices tend to go up over time. Despite the fact that you may have had the best rate on Acura TSX insurance in Kansas City a few years ago there is a good chance you can find better premium rates now. Forget all the misinformation about insurance because you’re going to learn the quickest way to find better rates and still maintain coverage.
Cut your auto insurance rates with discounts
The cost of insuring your cars can be expensive, but you may find discounts to reduce the price significantly. Some of these discounts will be visible at quote time, but some discounts are required to be asked about before you get the savings. If you don’t get every credit available, it’s possible you qualify for a lower rate.
- Discounts for Safe Drivers – Drivers without accidents could pay up to 40% less than drivers with accidents.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but a few companies such as Progressive and Allstate allow you one accident before they charge you more for coverage so long as you haven’t had any claims for a specific time period.
- Senior Citizen Discount – Drivers that qualify as senior citizens may be able to get a slight reduction on a Kansas City car insurance quote.
- Switch and Save Discount – A few larger companies give discounts for switching companies prior to your current TSX insurance policy expiration. This can save 10% or more.
- Own a Home and Save – Owning a home in Kansas City may earn you a small savings since home ownership requires personal responsibility.
- Military Deployment Discount – Having a family member in the military could trigger a small discount.
Remember that most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way.
The example below shows the difference between Acura TSX yearly insurance costs with and without discounts applied to the policy rates. The rates are based on a female driver, a clean driving record, no at-fault accidents, Missouri state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, claim-free, marriage, and multi-policy discounts applied.
To see auto insurance companies who offer online Acura TSX insurance quotes in Missouri, click here to view.
The best way we recommend to compare rates for Acura TSX insurance in Kansas City is to realize auto insurance companies have advanced systems to compare their rates. To get started, all you need to do is provide information such as daily mileage, your general credit rating, your education level, and how old drivers are. Your insurance information is then sent to multiple top-rated companies and you will receive price estimates very quickly.
If you wish to get multiple quotes for your car now, click here and find out if lower rates are available in Kansas City.
The companies shown below can provide free quotes in Kansas City, MO. If you wish to find the best cheap auto insurance in Missouri, we recommend you visit two to three different companies to find the most competitive auto insurance rates.
Rate information and statistics
The coverage table displayed below highlights detailed analysis of rate quotes for Acura TSX models. Learning more about how auto insurance prices are established can be of help when making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TSX | $200 | $404 | $212 | $12 | $64 | $892 | $74 |
| TSX Technology Package | $200 | $404 | $212 | $12 | $64 | $892 | $74 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price information does not factor in your specific Kansas City location which can alter coverage prices significantly.
Comparison of policy deductibles
When buying car insurance, a common question is how high should the physical damage deductibles be. The following tables illustrate the cost difference when you select higher and lower insurance deductibles. The first table uses a $250 deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TSX | $232 | $408 | $226 | $14 | $68 | $973 | $81 |
| TSX Technology Package | $232 | $408 | $226 | $14 | $68 | $973 | $81 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TSX | $188 | $330 | $226 | $14 | $68 | $826 | $69 |
| TSX Technology Package | $188 | $330 | $226 | $14 | $68 | $826 | $69 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Premium amounts do not factor in Kansas City location which can affect coverage prices noticeably.
Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $12 more each month or $144 every year averaged for all TSX models than choosing the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have more than 21 months between claim filings, you would save more money if you choose a higher deductible. The table below shows an example of how you can decide this on your own policy.
| Average monthly premium for $250 deductibles: | $81 |
| Average monthly premium for $500 deductibles (subtract): | – $69 |
| Monthly savings from raising deductible: | $12 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $12 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One important note is that a higher deductible level results in having to pay to pay more out-of-pocket when you have to file a claim. That will require some available funds in the event you need to pay more to get your vehicle repaired.
The chart below highlights how deductible choice and can affect Acura TSX insurance prices for different age groups. The rates are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Acura TSX insurance premiums by gender in Kansas City
The diagram below compares Acura TSX insurance rates for male and female drivers. The costs are based on no claims or driving citations, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no discounts are applied.
Car insurance quotes from local Kansas City insurance agencies
A lot of people would rather buy from a local agent and often times that is recommended A nice benefit of comparing rate quotes online is that you can find cheap car insurance quotes but still work with a licensed agent.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information gets sent to local insurance agents who will give you quotes for your business. It makes it easy because there is no need to leave your house because prices are sent straight to your inbox. You can find better rates without a big time investment. If you wish to compare rates from a particular provider, feel free to jump over to their website and fill out the quote form the provide.
Finding the right insurance company requires more thought than just a cheap quote. Get answers to these questions too.
- Will the agent or a CSR service your policy?
- Which insurance companies are they affiliated with?
- Is there a Errors and Omissions policy in force?
- How would your car be valued if totaled?
- Is every driver in your family covered?
- Does the company use OEM repair parts?
- How are claims handled?
- How are they compensated?
Listed below are agents in Kansas City that may be willing to give price quotes for Acura TSX insurance in Kansas City.
Beverly Baker Insurance Agency Inc.
8708 N Oak Trafficway – Kansas City, MO 64155 – (816) 452-8600 – View Map
George Lounds – State Farm Insurance Agent
550 E 99th St – Kansas City, MO 64131 – (816) 941-0055 – View Map
Etta McKenzie – State Farm Insurance Agent
11818 Blue Ridge Blvd – Kansas City, MO 64134 – (816) 861-8600 – View Map
David Denny – State Farm Insurance Agent
8600 Ward Pkwy #2070 – Kansas City, MO 64114 – (816) 363-3187 – View Map
You can lower your insurance rates
We’ve covered some good ideas how you can save on Acura TSX insurance in Kansas City. The key thing to remember is the more you quote Kansas City car insurance, the higher your chance of finding affordable Acura TSX insurance quotes. You may even be surprised to find that the lowest rates are with some of the smallest insurance companies. They often have lower car insurance rates on specific markets than the large multi-state companies such as Progressive or GEICO.
While you’re price shopping online, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where someone dropped uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at the best price, but do not skimp to save money.
Lower-priced insurance in Kansas City is definitely available online and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who don’t offer internet price quotes and most of the time these smaller companies work with independent agents.
How to find cheaper rates for Acura TSX insurance in Kansas City
The easiest way to find cheaper prices for auto insurance rates in Kansas City is to compare prices regularly from providers that insure vehicles in Missouri. You can compare prices by following these steps.
- Learn about how insurance companies determine prices and the steps you can take to lower rates. Many policy risk factors that result in higher rates like tickets, at-fault accidents, and your credit history can be eliminated by being financially responsible and driving safely.
- Get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO and State Farm, while agents who are independent can provide prices for a wide range of insurance providers.
- Compare the quotes to the premium of your current policy and determine if cheaper TSX coverage is available in Kansas City. If you can save money and decide to switch, make sure coverage does not lapse between policies.
- Provide adequate notice to your current company of your intention to cancel your current policy. Submit a completed application and payment for your new policy. Make sure you keep the new certificate of insurance with the vehicle registration.
The most important part of this process is to use identical coverage information on each quote and and to get price estimates from every insurance company. This guarantees an accurate price comparison and the best rate selection.
To learn more, feel free to visit the resources below:
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- What Insurance is Cheapest with Multiple Speeding Tickets in Kansas City? (FAQ)
- How Much is Auto Insurance for a Ford F-150 in Kansas City? (FAQ)
- Who Has Affordable Auto Insurance Rates for Infrequent Drivers in Kansas City? (FAQ)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Tread Depth and Tire Safety (State Farm)
- A Tree Fell on Your Car: Now What? (Allstate)