Want to learn how to save money and find more affordable Acura TSX insurance in Pittsburgh? Overwhelmed by the sheer number of car insurance providers in your area? Many other drivers are as well. Pennsylvania consumers have so many options that it can turn into a challenge to find a more affordable company. Pittsburgh is an excellent city in which to live, but expensive car insurance can make it nearly impossible for many drivers to affordably insure vehicles.
It’s safe to assume that auto insurance companies don’t want you shop around. Drivers who shop for lower rates are inclined to switch car insurance companies because there is a good chance of finding discount prices. A recent survey found that consumers who compared rates regularly saved an average of $850 each year compared to those who don’t make a habit of comparing rates.
If saving money on insurance in Pittsburgh is the reason you’re here, then having a grasp of how to shop and compare insurance premiums can make it easier to find better rates.
It’s important to know that quoting more helps increase your odds of locating the best offered rates.
The companies in the list below are ready to provide price quotes in Pennsylvania. If you wish to find the cheapest auto insurance in Pennsylvania, it’s highly recommended you visit several of them in order to find the lowest rates.
Analysis of Acura TSX rates
The premium table displayed below covers a range of insurance costs for Acura TSX models. Being able to understand how insurance quotes are established can benefit drivers when making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TSX | $174 | $366 | $338 | $20 | $102 | $1,000 | $83 |
| TSX Technology Package | $174 | $366 | $338 | $20 | $102 | $1,000 | $83 |
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in specific Pittsburgh garaging location which can impact prices substantially.
Comparison of policy deductibles
When buying auto insurance, a common question is which deductible level should you buy. The following insurance rates summarize the differences in price between high and low policy deductibles. The first pricing table uses a $100 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 | $320 | $602 | $280 | $16 | $84 | $1,327 | $111 |
| TSX Technology Package | $320 | $602 | $280 | $16 | $84 | $1,327 | $111 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TSX | $234 | $408 | $280 | $16 | $84 | $1,022 | $85 |
| TSX Technology Package | $234 | $408 | $280 | $16 | $84 | $1,022 | $85 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in zip code location which can raise or lower prices considerably.
Using the data above, we can ascertain that using a $100 deductible will cost you approximately $26 more each month or $312 for a full year than choosing the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you average at least 15 months between claims, you would come out ahead by going with a higher deductible.
How much more does full coverage cost?
The chart below shows the difference between Acura TSX insurance rates with and without full coverage. The information is based on no accidents, no driving violations, $100 deductibles, drivers are not married, and no discounts are applied.
When to eliminate full coverage
There isn’t a steadfast formula that works best for making the decision to drop physical damage insurance, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Acura TSX claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying the physical damage deductible. If it’s costing you more than $700 annually for physical damage coverage, then you might consider buying liability only.
There are some scenarios where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.
Insurance can be complex
When choosing coverage online or from an agent, there really is no “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply.
For example, these questions might point out if your insurance needs could use an agent’s help.
- Am I covered when delivering products for my home-based business?
- Can I rent a car in Mexico?
- What is medical payments coverage?
- Do I need motorclub coverage?
- What are the liability requirements in my state?
- When should I not file a claim?
- Is business property covered if stolen from my car?
- What states are considered no-fault?
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.
Auto insurance is available from your local insurance agencies
Many drivers still prefer to get advice from a local agent and that is recommended in a lot of cases The best thing about getting online price quotes is you may find cheap rate quotes and still buy from a local agent. Supporting local agencies is definitely important in Pittsburgh.
By using this quick form, your insurance data is sent to local insurance agents who can give free rate quotes for your coverage. There is no need to leave your computer since price quotes are sent to you. You can most likely find cheaper rates and work with a local agent. If you have a need to get a rate quote from one company in particular, don’t hesitate to navigate to their website and complete a quote there.
Exclusive and independent Pittsburgh car insurance agents
If you need to find a local insurance agency, you should know the different types of agencies and how they can quote your rates. Insurance agencies in Pittsburgh may be either independent or exclusive.
Independent Auto Insurance Agents
Independent insurance agents can quote rates with many companies so as a result can place your coverage with lots of companies and find the cheapest rate. If you want to switch companies, they simply switch companies in-house and you don’t have to switch agencies. If you are comparing rate quotes, you will want to get some free quotes from at a minimum one independent agency to have the most options to choose from. Most can insure with less well-known companies that many times have cheaper rates.
Shown below is a list of independent insurance agents in Pittsburgh that can possibly get you price quote information.
- Brown Insurance Agency
5001 Baum Blvd #515 – Pittsburgh, PA 15213 – (412) 681-7114 – View Map - Riley Insurance
2544 Library Rd # 205 – Pittsburgh, PA 15234 – (412) 563-2390 – View Map - Liberty Insurance Agency
1910 Cochran Rd #800 – Pittsburgh, PA 15220 – (412) 571-5700 – View Map
Exclusive Agents
These type of agents can usually just insure with one company and some examples include State Farm, Allstate, and Farm Bureau. Exclusive agents cannot provide prices from multiple companies so keep that in mind. These agents are well trained on their company’s products which helps offset the inability to provide other markets. Consumers sometimes use the same exclusive agent primarily because of the brand name rather than low rates.
Below are Pittsburgh exclusive insurance agencies that are able to give comparison quotes.
- Tad Paterra – State Farm Insurance Agent
984 Greentree Rd – Pittsburgh, PA 15220 – (412) 922-2622 – View Map - Lindsay Brown – State Farm Insurance Agent
300 Cedar Blvd #205 – Pittsburgh, PA 15228 – (412) 344-3030 – View Map - Jack Dumbaugh – State Farm Insurance Agent
1236 Grove Rd – Pittsburgh, PA 15234 – (412) 884-8100 – View Map
Finding a good car insurance agent requires you to look at more than just a cheap price. These questions are important to ask:
- Can you choose the body shop in case repairs are needed?
- Is the quote a firm price?
- What is their Better Business Bureau rating?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they review policy coverages at every renewal?
Upon getting positive feedback to any questions you may have as well as cheap TSX insurance quotes, you’ve probably found an insurance agency that will provide auto insurance coverage.
Which auto insurance company is best in Pittsburgh?
Selecting the best insurer can be a challenge considering how many choices there are in Pittsburgh. The company rank data in the next section could help you decide which companies to look at comparing prices from.
Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 93%
- The Hartford – 93%
- The General – 91%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- Erie Insurance – 87%
- State Farm – 87%
- Travelers – 87%
- Safeco Insurance – 86%