Compare Acura TSX Insurance Rates in Portland

Are you sick of overpaying and want the cheapest Acura TSX insurance in Portland? Are you burned out from not being able to scrape enough together to make your car insurance payment? You are in the same boat as most other consumers in Oregon.

Insurance rates Acura TSX in PortlandIt’s amazing but a large majority of car insurance policyholders in Oregon renewed their policy with the same company for more than four years, and virtually 40% of consumers have never shopped around. American drivers could save themselves roughly $850 a year by just comparing rate quotes, but they underestimate the amount of money they would save if they switch to a new company.

Due to the fact that there are so many choices for buying affordable insurance for an Acura TSX in Portland, it can be impossible to find a lower cost company.

Consumers should take time to check car insurance prices before your policy renews because car insurance rates change frequently. If you had the best premium rates on Acura TSX insurance in Portland last year you can probably find a lower rate today. Ignore everything you know about car insurance because you’re going to learn the tricks you need to know to remove unneeded coverages and save money.

Comparing rates for the most affordable auto insurance in Portland is easy if you know what you’re doing. In a nutshell, every car owner who needs lower cost auto insurance will find lower prices. But Oregon vehicle owners must learn the way companies calculate their prices and use it to your advantage.

How much does Acura TSX insurance in Portland cost?

Keep in mind that comparing more quotes increases the chance that you will find better pricing. Some regional insurers cannot provide price estimates online, so you need to compare prices from the smaller companies as well.

The providers in the list below provide quotes in Oregon. In order to find cheap car insurance in Oregon, we recommend you compare several of them to get the best price comparison.

Detailed insurance information

The coverage information shown below covers different rate quotes for Acura TSX models. Learning a little about how auto insurance prices are calculated can assist in making smart choices when choosing a car insurance company.

Acura TSX Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $218 $446 $354 $20 $106 $1,144 $95
TSX Technology Package $218 $446 $354 $20 $106 $1,144 $95
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Table data does not factor in zip code location which can influence insurance rates considerably.

An analysis of deductible level

When comparing auto insurance rates, the most common question is how high should the physical damage deductibles be. The premium rates below summarize the premium difference of buying low and high coverage deductibles. The first pricing table uses a $100 physical damage deductible and the second rate table uses a $1,000 deductible.

Acura TSX insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $310 $586 $272 $16 $82 $1,291 $108
TSX Technology Package $310 $586 $272 $16 $82 $1,291 $108
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Acura TSX insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $172 $308 $272 $16 $82 $850 $71
TSX Technology Package $172 $308 $272 $16 $82 $850 $71
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in zip code location which can revise coverage prices significantly.

Based on this data, using a $100 deductible will cost you roughly $37 more each month or $444 annually than opting for the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 24 months between claim filings, you would more than likely save some money if you decide on a higher deductible. Below is how this determination is made.

Average monthly premium for $100 deductibles: $108
Average monthly premium for $1,000 deductibles (subtract): – $71
Monthly savings from raising deductible: $37
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $37
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

One important note is that a higher deductible level results in more money out-of-pocket when you have to file a claim. You must have a higher level of savings in order to pay the deductible to have repairs made.

Acura TSX liability rates compared to full coverage

The chart below compares Acura TSX car insurance rates with and without full coverage. The data is based on no claims or driving violations, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

When to drop comp and collision

There is no clear-cut formula of when to phase out physical damage insurance, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s assume your Acura TSX claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $4,000 after the policy deductible has been paid. If premiums are more than $400 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where dropping physical damage coverage is not recommended. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Car insurance agents can help

A lot of people would prefer to talk to an insurance agent and that can be a great decision A good thing about comparing rate quotes online is that you can obtain cheap auto insurance quotes and still have a local agent. Buying from and supporting small agencies is especially important in Portland.

Insurance agents in PortlandFor easy comparison, once you complete this short form, your insurance data is immediately sent to local insurance agents who will give you quotes to get your business. You don’t have to do any legwork since price quotes are sent immediately to your email address. It’s the lowest rates and a licensed agent to work with. If you need to get a price quote from a specific company, don’t hesitate to go to their quote page and fill out the quote form the provide.

If you are wanting to purchase auto insurance from a reliable insurance agency, it’s important to understand the types of agencies and how they can write your policy. Portland agents can either be exclusive agents or independent agents.

Independent Agents

Agents that choose to be independent are not limited to a single company so they can write business with many different companies and find the cheapest auto insurance rates. To transfer your coverage to a different company, your agent can just switch to a different company and you don’t have to switch agencies.

If you are trying to find cheaper rates, you will want to get several quotes from multiple independent agents in order to compare the most rates.

Featured below is a small list of independent insurance agencies in Portland that may be able to provide price quotes.

9955 SE Washington St #103Portland, OR 97216(971) 213-1015View Map

1314 NW Irving StPortland, OR 97209(503) 287-8808View Map

5201 SW Westgate Dr #300Portland, OR 97221(503) 922-4847View Map

More Portland agents

Exclusive Auto Insurance Agencies

These type of agents can only place business with one company such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot give you multiple price quotes so you need to shop around if the rates are high. Exclusive insurance agents receive extensive training on what they offer which helps them sell on service rather than price.

Shown below are exclusive agents in Portland that are able to give comparison quotes.

7112 NE Sandy BlvdPortland, OR 97213(503) 253-9315View Map

322 NE 82nd AvePortland, OR 97220(503) 252-1114View Map

7113 SW Macadam AvePortland, OR 97219(503) 517-9090View Map

More Portland agents

Picking the best car insurance agent is decision based upon more than just a cheap price quote. The answers to these questions are important, too.

If you feel you receive answers to your satisfaction to these questions and an affordable coverage quote, most likely you have located a car insurance agent that is professional and can adequately provide auto insurance. Just understand that once you purchase a policy you can cancel a policy when you choose so don’t feel that you are obligated to any specific agency for the entire policy term.

Which car insurance company is best in Portland?

Finding a good quality car insurance provider can be a challenge considering how many different companies insure vehicles in Oregon. The ranking information shown next can help you analyze which insurers you want to consider comparing rates with.

Best Car Insurance Companies in Oregon
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
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Data Source: Best Car Insurance Companies