It’s safe to conclude that insurance companies don’t want their customers to go rate shopping. Drivers who shop around annually will probably buy a new policy because there is a good chance of finding coverage at a cheaper rate. A recent study showed that consumers who faithfully checked for cheaper rates saved about $3,450 over four years as compared to drivers who don’t regularly compare prices.
If finding low prices for insurance in Baltimore is the reason for your visit, then learning about the best way to compare auto insurance can make the process more efficient.
The best way we recommend to get cheaper Acura TSX insurance in Baltimore is to annually compare prices from different companies who can sell car insurance in Maryland.
Step 1: Take a few minutes and learn about how companies price auto insurance and the factors you can control to keep rates in check. Many rating factors that cause rate increases like traffic violations, accidents, and poor credit rating can be eliminated by being financially responsible and driving safely.
Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO and Allstate, while independent agents can quote prices for a wide range of companies.
Step 3: Compare the new rates to the price on your current policy and determine if cheaper TSX coverage is available. If you find a lower rate quote and buy the policy, ensure there is no coverage lapse between policies.
Step 4: Notify your current company to cancel your current policy and submit the application along with any required down payment to your new carrier. Immediately upon receiving it, place your new proof of insurance paperwork in an easily accessible location.
A good piece of advice is to make sure you’re comparing similar deductibles and liability limits on each quote request and and to get rates from as many carriers as you can. Doing this helps ensure an apples-to-apples comparison and many rates to choose from.
Pricing the cheapest policy in Baltimore is not as hard as you think. Nearly each driver who is required to buy car insurance will more than likely find a better price. But Maryland drivers must know how the larger insurance companies set your policy premium.
Car insurance discounts help lower rates for Acura TSX insurance in Baltimore
Car insurance is not inexpensive, but you can get discounts that many people don’t even know exist. Some of these discounts will be visible at the time you complete a quote, but some must be manually applied in order for you to get them. If you do not double check each discount available, you are paying more than you should be.
- Low Miles Discount – Driving fewer miles could be rewarded with slightly better prices than normal.
- ABS Braking Discount – Cars with ABS and/or traction control can avoid accidents and earn discounts up to 10%.
- Discounts for Federal Employees – Simply working for the federal government could qualify for a slight premium decrease with select insurance companies.
- Clubs and Organizations – Affiliation with a professional or civic organization could trigger savings when getting a Baltimore car insurance quote.
- Online Discount – Some of the larger companies will give a small break get Baltimore car insurance over the internet.
- Cautious Drivers – Safe drivers may save up to 50% more than drivers with accident claims.
- Service Members Pay Less – Having an actively deployed family member could be rewarded with lower premium rates.
- Early Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you may have a lower total premium amount.
- Multi-policy Discount – If you have multiple policies and insure them with the same company they may give you a discount of approximately 10% to 15%.
- Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts up to 30%.
As is typical with insurance, many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way.
The diagram below visualizes the comparison of Acura TSX car insurance costs with and without discounts applied to the policy premium. The prices are based on a female driver, no accidents or driving violations, Maryland state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, multi-policy, homeowner, and safe-driver discounts applied.
Companies that may have these money-saving discounts are:
If you need lower rates, check with every insurance company how many discounts you can get. Some discounts listed above may not apply to policyholders in Baltimore.
The best way to get rate comparisons for Acura TSX insurance in Baltimore is to understand all the major auto insurance companies actually pay money for the chance to compare rate quotes. The only thing you need to do is give the companies some data such as daily mileage, what you do for a living, if a SR-22 is needed, and level of coverage desired. That rating data is automatically sent to many different companies and they return cost estimate instantly.
To check rates for your car now, click here and enter your zip code.
The providers in the list below can provide free quotes in Maryland. To buy the best auto insurance in Maryland, we suggest you get price quotes from several of them to get the lowest price.
Rates and other information
The premium information below highlights estimates of insurance costs for Acura TSX models. Being able to understand how prices are established is important for you to make smart buying decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|TSX Technology Package||$304||$610||$390||$24||$116||$1,444||$120|
|Get Your Own Custom Quote Go|
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in specific Baltimore garaging location which can change premium rates greatly.
The information below demonstrates how deductibles and can affect Acura TSX insurance rates for different age categories. The rates are based on a single male driver, full coverage, and no discounts are applied.
Premiums by gender and age
The example below compares Acura TSX insurance costs for male and female drivers. The price estimates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are single, and no other discounts are factored in.
Do I need a local insurance agent?
A small number of people still prefer to get advice from a local agent and that can be a great decision The biggest benefit of getting free rate quotes online is you may find cheap rate quotes and still buy from a local agent. Supporting small agencies is especially important in Baltimore.
By using this short form, the coverage information is transmitted to insurance agents in Baltimore who want to provide quotes for your auto insurance coverage. You don’t have to contact any insurance agencies since price quotes are sent to your email. You can find better rates and a licensed agent to work with. If you need to get a rate quote from a specific company, you would need to go to their quote page and fill out the quote form the provide.
When searching for a reputable agency, there are a couple of different agency structures that differ in how they can insure your vehicles. Auto insurance agencies are considered either independent agents or exclusive agents depending on their employer.
Independent Auto Insurance Agencies
These agents can sell policies from many different companies so as a result can place your coverage with multiple insurance companies and find the cheapest rate. If you want to switch companies, your agent can just switch to a different company and you don’t have to switch agencies. When comparing rate quotes, you will want to get rate quotes from at a minimum one independent agency in order to compare the most rates. Most also have access to different regional companies which may have better rates.
Shown below are independent agencies in Baltimore that may be able to give you free auto insurance rate quotes.
- Allied Insurance Agency
7840 Eastern Ave – Baltimore, MD 21224 – (410) 282-1111 – View Map
- Nationwide Insurance: Bruce Cohee Agency Inc
502 Baltimore Ave – Towson, MD 21204 – (410) 823-8777 – View Map
- Goad Insurance Agency
3229 Erdman Ave – Baltimore, MD 21213 – (410) 558-0396 – View Map
These type of agents work for only one company like American Family, State Farm, and AAA. These agents are unable to compare other company’s rates so they have to upsell other benefits. Exclusive agents receive a lot of sales training on their products and sales techniques and that allows them to sell at a higher price point. Drivers often purchase coverage from exclusives partially due to the prominence of the brand and the convenience of having all coverages with one company.
Shown below is a short list of exclusive insurance agents in Baltimore who can help you get price quotes.
- Bob Duda – State Farm Insurance Agent
7939 Honeygo Blvd #105 – Baltimore, MD 21236 – (410) 529-2523 – View Map
- Paul Funk – State Farm Insurance Agent
307 Frederick Rd – Baltimore, MD 21228 – (410) 744-0077 – View Map
- David Rosario – State Farm Insurance Agent
3121 Eastern Ave – Baltimore, MD 21224 – (410) 850-4949 – View Map
Picking the best auto insurance agent needs to be determined by more than just a cheap price. These questions are important to ask:
- Is insurance their full-time profession?
- Do they feel the quoted coverages are adequate?
- What insurance companies do they recommend if they are an independent agent?
- Do they have any clout with companies to ensure a fair claim settlement?
- Will one accident increase rates?
- What company holds the largest book of business for them?
- Is assistance available after office hours?
If you get satisfactory answers and a low price estimate, you have narrowed it down to an insurance agent that can be relied on to properly service your auto insurance policy. Just be aware that you are able to cancel a policy whenever you want so don’t feel that you’re stuck with the auto insurance policy for the full policy term.
Insurance coverage specifics
Learning about specific coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Collision coverage covers damage to your TSX resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as hitting a mailbox, sideswiping another vehicle, hitting a parking meter and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible on your TSX in order to get cheaper collision rates.
Liability insurance provides protection from damage that occurs to a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 30/60/15 which stand for a $30,000 limit per person for injuries, a total of $60,000 of bodily injury coverage per accident, and a total limit of $15,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability can pay for things like medical expenses, legal defense fees and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford. Maryland requires drivers to carry at least 30/60/15 but you should think about purchasing better liability coverage.
The illustration below shows why buying low liability limits may not provide adequate coverage.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as rehabilitation expenses, prosthetic devices, funeral costs, X-ray expenses and doctor visits. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like vandalism, damage from a tornado or hurricane and hail damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Acura TSX.
Because many people have only the minimum liability required by law (which is 30/60/15), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.
Shop smart and save
Consumers switch companies for any number of reasons including high prices, poor customer service, policy non-renewal or even delays in paying claims. Regardless of your reason, choosing a new insurance company can be pretty painless.
We just covered many ideas to reduce Acura TSX insurance car insurance rates online in Baltimore. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting inexpensive Baltimore car insurance quotes. Consumers could even find that the best car insurance rates are with the least-expected company.
When you buy Baltimore car insurance online, it’s a bad idea to reduce needed coverages to save money. In many cases, consumers will sacrifice full coverage only to find out that they should have had better coverage. Your goal is to find the BEST coverage at a price you can afford, but do not skimp to save money.
To learn more, feel free to visit the articles below:
- Five Mistakes to Avoid (Insurance Information Institute)
- Who Has Affordable Baltimore Car Insurance Quotes for Drivers Over Age 60? (FAQ)
- What Car Insurance is Cheapest for State Employees in Baltimore? (FAQ)
- Who Has Cheap Baltimore Auto Insurance Quotes for High Risk Drivers? (FAQ)
- What Auto Insurance is Cheapest for a Subaru Outback in Baltimore? (FAQ)
- Teen Driving and Texting (State Farm)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Teen Driving Statistics (iihs.org)