Acura TSX Insurance Rates in Indianapolis

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A recent survey discovered that about 70% of customers have remained with the same auto insurance company for a minimum of four years, and almost 40% of drivers have never even compared rates from other companies. Drivers in the U.S. could pocket as much as $859 a year by just comparing rate quotes, but most just don't grasp the big savings they would realize if they switched.

Insurance for Acura TSXIf saving the most money is your goal, then the best way to find cheaper Acura TSX insurance is to start comparing prices regularly from insurance carriers that sell auto insurance in Indianapolis.

  • First, gain an understanding of how insurance companies determine prices and the things you can control to prevent expensive coverage. Many policy risk factors that result in higher rates such as traffic tickets, fender benders, and a negative credit history can be controlled by improving your driving habits or financial responsibility.
  • Second, request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive or Allstate, while agents who are independent can provide prices for many different companies.
  • Third, compare the new rate quotes to the premium of your current policy to see if a cheaper price is available. If you find a lower rate quote and buy the policy, ensure coverage does not lapse between policies.

An important part of this process is that you'll want to compare the same physical damage deductibles and liability limits on each price quote and and to compare as many auto insurance providers as possible. Doing this guarantees a level playing field and the best rate selection.

The companies in the list below offer comparison quotes in Indianapolis, IN. If multiple companies are listed, we recommend you visit several of them to find the most competitive car insurance rates.

Lower-cost Indianapolis auto insurance rates with discounts

Some providers do not list all their discounts in an easy-to-find place, so the next list breaks down a few of the more common as well as some of the hidden discounts that may be available.Cheaper auto insurance with discounts

  • Senior Citizen Rates - Mature drivers are able to get lower premium rates.
  • Lower Rates for Military - Being on active duty in the military could mean lower auto insurance rates.
  • Anti-lock Brake System - Vehicles with ABS and/or traction control are much safer to drive and qualify for as much as a 10% discount.
  • Switch and Save Discount - A few companies allow discounts for switching policies before your current TSX insurance policy expires. It could save around 10% when you buy Indianapolis car insurance online.
  • Accident Waiver - This one is not really a discount per se, but some companies like Progressive, Allstate, and Liberty Mutual will allow you to have one accident without raising rates if your claims history is clear for a set time period.
  • Claim-Free Discount - Claim-free drivers get the best auto insurance rates compared to policyholders that have many claims.
  • Professional Memberships - Being in specific professional or occupational memberships or organizations could qualify you for a break when getting a Indianapolis car insurance quote.
  • Low Mileage Discounts - Low annual miles can qualify you for lower prices due to less chance of an accident.
  • Data Collection Discounts - Policyholders that allow their company to look at driving habits by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate may see discounts as long as they are good drivers.
  • Defensive Driving Course - Participating in a defensive driver course is a good idea and can lower rates depending on where you live.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Most only cut the price of certain insurance coverages like medical payments or collision. So when it seems like you would end up receiving a 100% discount, auto insurance companies aren't that generous.

The information below illustrates the difference between Acura TSX car insurance costs with and without discounts applied to the premium. The data assumes a female driver, no violations or accidents, Indiana state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, claim-free, safe-driver, and multi-car discounts applied.

Insurance companies that possibly offer these benefits are:

If you need lower rates, check with all the companies which discounts you may be entitled to. A few discounts might not be offered on policies in Indianapolis. For a list of companies that offer many of these discounts in Indianapolis, follow this link.

Coverage analysis

The price information displayed next covers estimates of insurance coverage prices for Acura TSX models. Being aware of how car insurance prices are established is important for you to make decisions when shopping around.

Acura TSX Insurance Rates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $172 $358 $270 $16 $80 $896 $75
TSX Technology Package $172 $358 $270 $16 $80 $896 $75
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price information does not factor in vehicle location which can lower or raise auto insurance rates substantially.

Higher deductibles save money

The hardest decision when buying coverage is where should you set your physical damage deductibles. The rates below approximate how much more you'll pay when you choose different deductibles. The first data set uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Acura TSX insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $272 $514 $238 $14 $72 $1,135 $95
TSX Technology Package $272 $514 $238 $14 $72 $1,135 $95
Get Your Own Custom Quote Go
Acura TSX insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TSX $152 $270 $238 $14 $72 $746 $62
TSX Technology Package $152 $270 $238 $14 $72 $746 $62
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price information does not factor in specific garaging location which can influence rates significantly.

Based on the above data, using a $100 deductible will cost you roughly $33 more each month or $396 for a full year averaged for all TSX models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 27 months between claim filings, you would probably save some money if you choose a higher deductible. The table below illustrates the way you can make this decision for your own policy.

Average monthly premium for $100 deductibles: $95
Average monthly premium for $1,000 deductibles (subtract): - $62
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One thing to be aware of is that increasing deductibles to lower your rates results in a higher out-of-pocket expense when you do file a claim. That will require some money saved in the event you need to pay more for the deductible.

The information below shows how choosing a deductible and can increase or decrease Acura TSX annual premium costs for different insured age categories. The premium estimates are based on a single male driver, full coverage, and no discounts are applied.

How violations and accidents impact rates

The chart below illustrates how violations and fender-benders can affect Acura TSX insurance premiums for each different age category. The premiums are based on a single male driver, full coverage, $500 deductibles, and no additional discounts are factored in.

Compare rate quotes but buy from a local neighborhood Indianapolis car insurance agent

Many drivers just want to talk to a local agent and that is a smart decision Insurance agents are highly skilled in risk management and will help you if you have claims. The biggest benefit of comparing auto insurance online is you can get cheap rate quotes and still buy from a local agent.

Insurance agency in IndianapolisTo find an agent, once you fill out this form (opens in new window), your information is emailed to local insurance agents in Indianapolis that provide free Indianapolis car insurance quotes to get your business. There is no reason to contact any agents since price quotes are sent immediately to you. In the event you want to get a price quote from a specific company, feel free to search and find their rate quote page and give them your coverage information.

Picking an insurer requires more thought than just a low price. These are some questions your agent should answer.

  • Are there any discounts for paying up front?
  • What is their Better Business Bureau rating?
  • Do they assist clients in filing claims?
  • How long has the business existed?
  • Is coverage determined by price?

Car insurance agents in Indianapolis come in two varieties

When looking for a reliable insurance agency, there are two types of agencies and how they function. Indianapolis agents can either be exclusive or independent agents depending on their company appointments. Both sell affordable auto insurance policies, but it is a good idea to know why they differ because it can impact the kind of agent you use.

Exclusive Insurance Agencies

Agents of this type can only provide pricing for a single company and some examples include Allstate, Farmers Insurance or State Farm. These agents are unable to compare rates from other companies so it's a take it or leave it situation. Exclusive agencies are usually quite knowledgeable on the products they sell and that enables them to sell even at higher rates.

The following are Indianapolis exclusive insurance agencies that can give you price quote information.


7035 E 96th St Suite S-2 - Indianapolis, IN 46250 - (317) 897-1900 - View Map


7550 S Meridian St d - Indianapolis, IN 46217 - (317) 887-1400 - View Map


5685 Lafayette Rd #700 - Indianapolis, IN 46254 - (317) 387-9182 - View Map

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Independent Auto Insurance Agents

Independent insurance agents are not locked into one company so as a result can place your coverage with multiple insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply switch companies in-house and you can keep the same agent.

When searching for an agent, we recommend you include price quotes from a few independent agents to ensure the widest selection of prices.

Listed below is a short list of independent insurance agents in Indianapolis willing to provide price quotes.


9302 N Meridian St #297 - Indianapolis, IN 46260 - (317) 844-4701 - View Map


8000 S Meridian St - Indianapolis, IN 46217 - (317) 888-6007 - View Map


201 N Illinois St - Indianapolis, IN 46204 - (317) 641-4572 - View Map

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Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there really isn't a best way to insure your cars. Everyone's needs are different so your insurance should reflect thatAuto insurance savings Here are some questions about coverages that can help discover whether or not you might need professional guidance.

  • If my car is totaled with they pay enough to replace it?
  • What is the difference between comprehensive and collision coverage?
  • Is my custom paint covered by insurance?
  • Why do I have to buy liability insurance?
  • What does UM/UIM cover?
  • Can my babysitter drive my car?
  • What are the liability requirements in my state?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It's fast, free and you can get the answers you need.

Auto insurance 101

Learning about specific coverages of your policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you'll find the normal coverages found on the average car insurance policy.

Uninsured and underinsured coverage - This coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle's damage.

Due to the fact that many Indiana drivers only carry the minimum required liability limits (25/50/10), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for liability - This coverage provides protection from injuries or damage you cause to other's property or people that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/10 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $10,000 paid for damaged property.

Liability coverage protects against things such as repair costs for stationary objects, repair bills for other people's vehicles and pain and suffering. How much coverage you buy is your choice, but it's cheap coverage so purchase as high a limit as you can afford. Indiana requires drivers to carry at least 25/50/10 but you should consider buying better liability coverage.

The next chart demonstrates why buying low liability limits may not be enough.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for dental work, rehabilitation expenses and prosthetic devices. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages - This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, vandalism, hail damage and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Collision - This pays for damage to your TSX resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, driving through your garage door, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible on your TSX to get cheaper collision coverage.

Shop around and save

Lower-priced auto insurance in Indianapolis can be purchased from both online companies and with local Indianapolis insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don't offer rates over the internet and many times these small insurance companies sell through local independent agencies.

We covered a lot of techniques to compare Acura TSX insurance prices in Indianapolis. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even find the best prices are with an unexpected company. Regional companies often have lower rates on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.

Additional detailed information is available at these sites: