Best Acura TLX Car Insurance in 2024 (Compare the Top 10 Companies)
State Farm, Geico, and The General are the best Acura TLX car insurance providers to consider for your Acura TLX. They offer affordable rates monthly starting at $50 and a wide range. These insurance providers offer competitive coverage that meets your needs while saving you premiums.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Nov 17, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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17,760 reviewsCompany Facts
Full Coverage for Acura TLX
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
19,116 reviewsCompany Facts
Full Coverage for Acura TLX
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
823 reviewsCompany Facts
Full Coverage for Acura TLX
A.M. Best Rating
Complaint Level
823 reviewsState Farm, Geico, and The General offer the best Acura TLX car insurance, starting at $50/mo. They provide comprehensive coverage and customer support.
Acura TLX insurance rates are higher than average, with full coverage costing around $131 per month. To stay compliant, it’s important to understand the minimum liability car insurance coverage required in your state.
Our Top 10 Company Picks: Best Acura TLX Car Insurance
| Company | Rank | Good Driver Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 20% | B | Low Rates | State Farm |
 | #2 | 25% | A++ | Competitive Pricing | Geico |
 | #3 | 20% | A+ | Comprehensive Coverage | The General |
 | #4 | 15% | A+ | Coverage Options | Progressive |
 | #5 | 10% | A++ | Military Families | USAA |
 | #6 | 10% | A+ | Customer Service | Allstate |
 | #7 | 15% | A+ | Regional Coverage | Erie |
 | #8 | 10% | A | Budget Friendly | Safeco |
 | #9 | 15% | A | Full Coverage | Nationwide |
 | #10 | 10% | A | Flexible Plans | Mercury |
The highest rates are for teens, who can save about $479 a month, as they’re considered to be high-risk, inexperienced drivers.
Using our free online comparison tool, you can now compare quotes for Acura TLX car insurance rates from some of the best companies.
- Minimum coverage costs around $50/month
- A liability-only policy costs around $53/month
- The highest rates are for teenage drivers at around $479/month
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#1 – State Farm: Top Overall Pick
Pros
Pros- Comprehensive Coverage: It offers extensive coverage options, including accident forgiveness and rental car reimbursement, making it a solid choice for the best Acura TLX car insurance.
- Local Agents: Nationwide’s network of local agents provides personalized service and support, ideal for securing the best Acura TLX car insurance.
- Strong Financial Stability: High financial strength ratings ensure reliability in handling claims and long-term stability. Learn more in our State Farm car insurance review.
Cons
- Premiums: Premiums can be higher for drivers with less-than-perfect driving records, potentially affecting the affordability of the best Acura TLX car insurance.
- Customer Service Variability: Service quality can vary depending on the local agent, leading to inconsistent experiences with the best Acura TLX car insurance.
#2 – Geico: Best for Competitive Pricing
Pros
Pros- Competitive Pricing: Known for some of the lowest rates available, especially for drivers with clean records for the best Acura TLX car insurance.
- User-Friendly Online Tools: Efficient website and mobile app for managing policies and filing claims quickly, enhancing the experience of obtaining the best Acura TLX car insurance.
- Fast Claims Processing: Quick and efficient claims process to get you back on the road faster. Dive deeper into our “Geico Car Insurance Review.”
Cons
- Customer Service: Customer service can be less personalized compared to companies with local agents, which might impact the quality of service for the best Acura TLX car insurance.
- Coverage Options: Limited customization for coverage options compared to some competitors, which could affect the breadth of the best Acura TLX car insurance.
#3 – The General: Best for Comprehensive Coverage
Pros
Pros- Flexible Coverage: Offers flexible policies catering to high-risk drivers and those with less-than-perfect credit, making it a viable option for the best Acura TLX car insurance.
- No Down Payment: Provides options for policies with no initial down payment, making it more accessible for the best Acura TLX car insurance. Learn more about The General car insurance review.
- 24/7 Customer Service: Around-the-clock customer service ensures assistance whenever needed, crucial for reliable support with the best Acura TLX car insurance.
Cons
- Higher Premiums: Rates can be higher due to coverage for high-risk drivers, potentially making it less economical for the best Acura TLX car insurance.
- Limited Discounts: Fewer discount options compared to major insurers like Geico and State Farm, which may affect overall savings on the best Acura TLX car insurance.
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#4 – Progressive: Best for Coverage Options
Pros
Pros- Variety of Coverage Options: Offers a wide range of coverage options and add-ons, ideal for finding the best Acura TLX car insurance. Read more in our Progressive car insurance review.
- Snapshot Program: Usage-based insurance program that can lower rates for safe drivers based on driving behavior, enhancing the value of the best Acura TLX car insurance.
- Online Tools: Robust online tools for managing policies, comparing rates, and filing claims make it easier to secure the best Acura TLX car insurance.
Cons
- Price Fluctuations: Rates may vary significantly and can increase after an initial low rate period, impacting the consistency of the best Acura TLX car insurance.
- Customer Service Issues: Some customers report issues with claim handling and customer service, which can affect the overall experience with the best Acura TLX car insurance.
#5 – USAA: Best for Military Families
Pros
Pros- Excellent Customer Service: Highly rated for customer service and support, especially valued by military families, making it a top choice for the best Acura TLX car insurance.
- Competitive Rates: Offers some of the best rates available, especially for military members and their families. Dive deeper into our “USAA Car Insurance Review.”
- Comprehensive Coverage: Includes extensive coverage options and additional benefits like roadside assistance, enhancing the best Acura TLX car insurance.
Cons
- Eligibility: Only available to military members, veterans, and their families, limiting accessibility to others who may need the best Acura TLX car insurance.
- Limited Local Agents: Fewer local agents for in-person support, relying more on online and phone services, which might affect personalized support for the best Acura TLX car insurance.
#6 – Allstate: Best for Customer Service
Pros
Pros- Comprehensive Coverage Options: Offers a wide range of coverage options, including unique features like accident forgiveness and new car replacement, ideal for the best Acura TLX car insurance.
- Local Agents: Extensive network of local agents for personalized service, which helps in tailoring the best Acura TLX car insurance. Learn more in our Allstate car insurance review.
- Drivewise Program: Provides discounts based on driving behavior through their Drive wise program, contributing to the best Acura TLX car insurance rates.
Cons
- Higher Premiums: Rates can be higher compared to some other insurers, especially for drivers with a less-than-perfect driving record, that might affect price for the best Acura TLX car insurance.
- Claims Process: Some customers report a slow or cumbersome claims process, potentially impacting the experience of obtaining the best Acura TLX car insurance.
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#7 – Erie: Best for Regional Coverage
Pros
Pros- Affordable Rates: Known for competitive rates and affordable premiums, making it a strong candidate for the best Acura TLX car insurance. Read more on Erie car insurance review.
- Comprehensive Coverage: Offers extensive coverage options and benefits like roadside assistance and rental car coverage, enhancing the best Acura TLX car insurance.
- Customer Satisfaction: High customer satisfaction ratings and personalized service through local agents support the best Acura TLX car insurance experience.
Cons
- Regional Availability: Limited availability to specific regions, which might not cover all areas, affecting access to the best Acura TLX car insurance.
- Discounts: Fewer discount options compared to larger national insurers, potentially limiting savings on the best Acura TLX car insurance.
#8 – Safeco: Best for Budget Friendly
Pros
Pros- Flexible Coverage: Offers customizable policies and a variety of add-ons to tailor coverage to individual needs, making it a good option for the best Acura TLX car insurance.
- User-Friendly Mobile App: Effective mobile app for managing your policy and accessing information easily. Learn more on Safeco car insurance review.
- Customer Service: Good customer service with a focus on providing support and assistance for the best Acura TLX car insurance experience.
Cons
- Price Increases: Rates may increase significantly after the initial policy term, impacting the long-term cost of the best Acura TLX car insurance.
- Online Tools: Some customers find the online tools and app less user-friendly compared to competitors, which might affect managing the best Acura TLX car insurance.
#9 – Nationwide: Best for Full Coverage
Pros
Pros- Full Coverage Options: Offers a range of coverage options, including accident forgiveness and vanishing deductibles, which are beneficial for the best Acura TLX car insurance.
- Vanishing Deductible: Unique vanishing deductible program that reduces your deductible over time for safe driving. Read more on Nationwide car insurance review.
- Customer Support: Good customer service and support available through multiple channels enhance the experience of the best Acura TLX car insurance.
Cons
- Higher Premiums for Some: Premiums can be higher compared to some competitors, especially for those with recent accidents or violations, which may affect the cost of the best Acura TLX car insurance.
- Complex Policies: Coverage options can be complex and may require careful review to ensure adequate protection, potentially complicating the search for the best Acura TLX car insurance.
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#10 – Mercury: Best for Flexible Plans
Pros
Pros- Affordable Plans: Offers budget-friendly insurance plans with competitive pricing, making it a strong contender for the best Acura TLX car insurance. Read it more on Mercury car insurance review.
- Customizable Coverage: Allows for a high degree of customization in coverage options, ideal for tailoring the best Acura TLX car insurance to individual needs.
- Flexible Payment Plans: Provides flexible payment options and plans to accommodate different budgets, which helps in managing the best Acura TLX car insurance.
Cons
- Limited Discounts: Fewer discounts available compared to larger insurers, which might affect overall savings on the best Acura TLX car insurance.
- Customer Service: Some customers report issues with customer service and claims handling, potentially impacting the overall experience with the best Acura TLX car insurance.
Acura TLX Insurance Cost
This figure represents a typical range of what owners might expect to pay for comprehensive coverage, though actual rates can vary based on several factors.
Acura TLX Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $312 | $349 |
| $139 | $154 |
| $132 | $139 |
| $73 | $99 |
| $50 | $140 |
| $198 | $215 |
| $54 | $97 |
| $121 | $230 |
| $204 | $271 |
| $150 | $208 |
State Farm, Geico, and The General are leading options for best Acura TLX car insurance with the lowest minimum coverage. These factors include the driver’s location, driving history, age, and the specific insurance provider. You can check it on our page titled, “Average Car Insurance Rates.”
Understanding the Cost of Insuring an Acura TLX
The Acura TLX generally offers more affordable insurance rates compared to other luxury vehicles such as the Lexus ES 350, Lexus GS 300, and Chevrolet Corvette. This is due to the TLX’s balanced safety features car insurance discounts and moderate repair costs.
Acura TLX Car Insurance Monthly Rates by Vehicle
| Vehicle | Liability | Comprehensive | Collision | Full Coverage |
|---|---|---|---|---|
| Acura TLX | $33 | $28 | $57 | $131 |
| Lexus ES 350 | $26 | $30 | $55 | $123 |
| Lexus GS 300 | $28 | $29 | $55 | $123 |
| Chevrolet Corvette | $22 | $41 | $77 | $149 |
| Audi A4 | $33 | $28 | $55 | $129 |
| Porsche Panamera | $33 | $43 | $87 | $177 |
| Mercedes-Benz S450 | $33 | $41 | $82 | $169 |
However, there are a few things you can do to find the cheapest Acura insurance rates online. In contrast, the Lexus ES 350 typically incurs higher insurance premiums due to its higher repair costs and overall vehicle value.
The Lexus GS 300, with its high performance and luxury status, results in even higher insurance rates.
Car Insurance Discounts From the Top Providers for Acura TLX
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Safe Driver, Early Signing, Responsible Payer, Smart Student, Anti-Theft, Full Pay |
| Multi-Policy, Safe Driver, Good Student, Low Mileage, Loyalty, Defensive Driving Course |
| Multi-Policy, Safe Driver, Young Driver, Paid-in-Full, First Accident Forgiveness, Vehicle Equipment |
| Multi-Policy, Good Student, Safe Driver, Alternative Fuel, Affinity Group, Signal Program |
| Multi-Policy, Early Shopper, Military, New Car, Good Student, Hybrid Vehicle, Paperless Policy |
| Multi-Policy, SmartRide, Accident-Free, Defensive Driving, Good Student, Anti-Theft, Paperless Documents |
| Multi-Policy, Snapshot, Continuous Insurance, Homeowner, Good Student, Teen Driver, Online Quote |
| Multi-Policy, Safe Driver, Homeowners, Accident Prevention, Paid-in-Full, Anti-Theft |
| Multi-Policy, AARP Member, Defensive Driver, Vehicle Safety, Bundle and Save, Paid-in-Full |
| Multi-Policy, Safe Driver, Home Ownership, Continuous Insurance, Hybrid/Electric Vehicle, Good Student |
Meanwhile, the Chevrolet Corvette, known for its high-performance capabilities and elevated repair and replacement costs, often has the highest insurance premiums among these models.
Thus, while the TLX provides a relatively cost-effective insurance option, the other models tend to incur greater expenses. Enter your ZIP code to begin comparing.
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The Impacts of Acura TLX Insurance Costs
The trim and model of your Acura TLX can significantly impact the total cost of auto insurance coverage. Higher trim levels and performance models, such as the TLX Type S, often result in higher premiums due to increased repair costs, higher vehicle value, and a greater risk profile.
Conversely, more basic trims with fewer features generally come with more cheap insurance rates. The choice of trim and model affects factors such as repair costs, vehicle value, and risk assessments, which in turn influence the overall insurance premium.
Acura TLX Crash Test Ratings
If the Acura TLX crash test ratings are good, you could benefit from lower car insurance rates. Insurers often consider these ratings when calculating your policy costs. See the Acura TLX crash test results below:
Acura TLX Crash Testing Rates by Vehicle Tested
| Vehicle | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2020 Acura TLX 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2020 Acura TLX 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Acura TLX 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Acura TLX 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Acura TLX 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Acura TLX 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Acura TLX 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Acura TLX 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Acura TLX 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Acura TLX 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
This information can help you make an informed decision when choosing your insurance coverage. Higher safety ratings typically indicate better protection in the event of an accident, which can lead to reduced premiums.
Acura TLX Safety Features
Good Acura TLX safety features can result in insurers giving your car insurance discounts. The 2020 Acura TLX is equipped with several safety features to ensure passenger protection, including a driver airbag, passenger airbag, front head airbag, rear head airbag, and front side airbag.
Acura TLX Insurance Loss Probability
Compare the following Acura TLX auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.
Acura TLX Car Insurance Monthly Loss Probability by Coverage
| Coverage | Probability |
|---|---|
| Collision | -10% |
| Property Damage | -25% |
| Comprehensive | -3% |
| Personal Injury | -7% |
| Medical Payment | -26% |
| Bodily Injury | -23% |
The lower percentage means lower Acura TLX car insurance costs; higher percentages mean higher Acura TLX car insurance costs.
Acura TLX Finance and Insurance Cost
When financing an Acura TLX, most lenders require you to carry higher insurance coverage, including comprehensive coverage, to protect their investment in the vehicle. This ensures that the car is fully covered against various types of damage and loss.
It is essential to shop around and compare Acura TLX car insurance quotes from different providers to find the best full-coverage car insurance and rates. Additionally, be sure to inquire about available car insurance discounts that can help lower your premiums.
Using a comparison tool can help you secure the most suitable and affordable insurance that meets lender requirements and provides adequate protection for your financed vehicle. Enter your ZIP code now to begin comparing.
Top Acura TLX Insurance Companies
Leading insurers recognize the TLX’s safety technologies, such as collision avoidance systems, and provide tailored coverage that reflects these factors, often resulting in lower premiums.
Car Insurance Discounts From the Top Providers for Acura TLX
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Safe Driver, Early Signing, Responsible Payer, Smart Student, Anti-Theft, Full Pay |
| Multi-Policy, Safe Driver, Good Student, Low Mileage, Loyalty, Defensive Driving Course |
| Multi-Policy, Safe Driver, Young Driver, Paid-in-Full, First Accident Forgiveness, Vehicle Equipment |
| Multi-Policy, Good Student, Safe Driver, Alternative Fuel, Affinity Group, Signal Program |
| Multi-Policy, Early Shopper, Military, New Car, Good Student, Hybrid Vehicle, Paperless Policy |
| Multi-Policy, SmartRide, Accident-Free, Defensive Driving, Good Student, Anti-Theft, Paperless Documents |
| Multi-Policy, Snapshot, Continuous Insurance, Homeowner, Good Student, Teen Driver, Online Quote |
| Multi-Policy, Safe Driver, Homeowners, Accident Prevention, Paid-in-Full, Anti-Theft |
| Multi-Policy, AARP Member, Defensive Driver, Vehicle Safety, Bundle and Save, Paid-in-Full |
| Multi-Policy, Safe Driver, Home Ownership, Continuous Insurance, Hybrid/Electric Vehicle, Good Student |
Additionally, the best usage-based car insurance companies with the highest market share are known for their reliability and comprehensive coverage options.
By choosing from these top insurers, you can secure cost-effective coverage that aligns with your Acura TLX’s unique features and your individual needs.
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Compare Free Acura TLX Insurance Quotes Online
Using our free online comparison tool, you can start comparing quotes for Acura TLX insurance from some of the top car insurance companies today.
- The 2018 Acura TLX is a restyled luxury performance sedan with a starting price of $2,750
- You have the option to between a 206hp 2.4L 4-cylinder engine or an upgraded 290hp 3.5L V6 engine
- The new styling is sporty and portrays how powerful the engine with a dark chrome Diamond Pentagon Grille
Acura isn’t just a luxury brand; it is Japan’s very first luxury automotive brand. Interestingly enough, Acura isn’t just a solo car maker.
It is actually a division of Honda Motor Company, which had already been in business for 40 years before deciding to branch off and create the first luxury brand to be sold in America.
Honda was already an innovator in the industry and became an even bigger competitor with the launch of the Acura luxury division.
The Integra and the Legend were the first models to be released under the new Acura logo in 1986. Because they were so extremely popular, the carmaker started designing even more high-performance luxury models suitable for all kinds of drivers.
One popular design that was released in 2015 was the Acura TLX car insurance sedan. Compare car insurance quotes today to find the best rate for the coverage you need. Enter your zip code to use our free quote tool today!
Luxury Meets Performance and Technology of Acura TLX Car Insurance Solutions
The Acura TLX is a stylish four-door sedan between the compact ILX and the larger RLX. Compared to competitors like the Lexus IS or Audi A4 car insurance, the TLX stands out for its performance and value.
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For the best Acura TLX car insurance, consider exploring options from State Farm, Geico, and The General. These providers can offer both affordability and coverage tailored to your TLX. Enter your ZIP code now to get quotes and find the best insurance coverage for your Acura TLX.
You may consider State Farm, Geico, and The General when you are looking for lowest but best Acura TLX car insurance. Get your quote now.
Frequently Asked Questions
What factors affect Acura TLX car insurance rates?
Several factors influence Acura TLX car insurance rates, including the driver’s age and gender, driving record, vehicle location, model year, trim level, safety features, annual mileage, credit history, and chosen coverage and deductibles.
How can I find and compare insurance rates for an Acura TLX?
To find the best insurance for your Acura TLX, research reputable insurance providers in your area, gather details about your vehicle, request quotes through various channels, and provide accurate information about your driving history and coverage needs.
Compare quotes based on coverage options, deductibles, and premiums, consider additional factors like the insurer’s reputation and customer service, and make an informed decision based on your research and comparison. Enter your ZIP code now.
Are insurance rates higher for new Acura TLX models than for older ones?
Insurance rates for new Acura TLX models are typically higher than for older ones due to their higher value, advanced features, and increased theft risk. For accurate rates tailored to your situation, it’s best to obtain personalized quotes from insurance providers.
Learn more about this on in our “Best Usage-Based Car Insurance Companies.”
Do Acura TLX safety features affect insurance rates?
Yes, Acura TLX safety features can lower insurance rates. Advanced features like anti-lock brakes, airbags, and lane departure warning may qualify you for discounts by reducing accident risks. Inform your insurer about these features to potentially lower your premium.
How does the location of the insured vehicle affect Acura TLX car insurance rates?
The location of your Acura TLX affects insurance rates due to factors like population density, crime rates, accident statistics, and natural disaster risk. Higher risk areas can lead to increased premiums, while low-risk areas may reduce costs. Enter your ZIP code now.
What factors should I consider when choosing the best car insurance for an Acura TLX?
When choosing the best insurance for an Acura TLX, consider factors such as the insurer’s rates, coverage options, discounts, customer service, and how well they account for the TLX’s safety features and advanced technologies.
Additionally, check for the company’s reputation for handling claims and its financial stability.
Are there specific discounts available for Acura TLX drivers?
Yes, Acura TLX drivers may be eligible for various discounts, including those for having advanced safety features (like collision avoidance systems), being a safe driver, bundling policies, and maintaining a good credit score.
Many insurers offer discounts for vehicles with high safety ratings and anti-theft devices.
How does the trim level of my Acura TLX affect my insurance rates?
The trim level of your Acura TLX can impact insurance rates, as higher trims with more features or better performance capabilities generally result in higher premiums. This is due to increased repair costs and higher vehicle values.
Conversely, base trims typically have lower insurance costs. Enter your ZIP code now.
How can I find the most affordable insurance for my Acura TLX?
To find the most affordable insurance for your Acura TLX, compare quotes from multiple insurance providers using comparison tools. Evaluate coverage options, available discounts, and the insurer’s reputation.
Consider factors like your driving record, location, and the TLX’s safety features to get the best rate. You may check it on our page titled “Factors That Affect Car Insurance Rates.”
Does the location where I live affect my Acura TLX insurance rates?
Yes, your location significantly affects Acura TLX insurance rates. Insurers consider factors such as local crime rates, accident statistics, and natural disaster risks. Living in an area with higher risks can lead to higher premiums, while a lower-risk area may result in more affordable insurance.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.