2004 Acura TSX Car Insurance Cost

Searching for cheaper insurance rates? Consumers have options when looking for the best price on Acura TSX insurance. You can either spend your time calling around to compare prices or leverage the internet to compare rates.

There is a better way to find insurance online so you’re going to learn the proper way to quote coverages on a Acura and get the lowest possible price from local insurance agents and online providers.

If you have insurance now or are shopping for new coverage, you can use these tips to shop for the lowest rates and possibly find even better coverage. The purpose of this post is to introduce you to how car insurance quotes work. Drivers just need to understand the proper methods to compare company rates online.

Drivers can save with with these discounts

The price of auto insurance can be rather high, but you might find some hidden discounts that you may not know about. Some discounts will apply when you quote, but once in a while a discount must be requested specifically before being credited.

  • Discounts for Safe Drivers – Safe drivers can save as much as half off their rates for TSX coverage than their less cautious counterparts.
  • Home Ownership Discount – Just being a homeowner can get you a discount since home ownership requires a higher level of personal finance.
  • ABS Braking Discount – Cars and trucks that have anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Early Payment Discounts – If you can afford to pay the entire bill instead of paying each month you may reduce your total bill.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Onboard Data Collection – People who choose to allow driving data submission to look at their driving habits by using a telematic data system such as State Farm’s In-Drive may see discounts if they exhibit good driving behavior.
  • Switch and Save Discount – Select insurance companies give a discount for renewing your policy early. The savings is around 10%.
  • Senior Citizen Rates – Drivers over the age of 55 may receive a discount up to 10% for TSX coverage.

Remember that most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.

The best insurance companies and some of the premium reductions they offer are included below.

  • State Farm may offer discounts for good student, defensive driving training, Drive Safe & Save, student away at school, driver’s education, and good driver.
  • Progressive offers discounts for online quote discount, online signing, multi-vehicle, continuous coverage, homeowner, multi-policy, and good student.
  • Travelers has savings for new car, payment discounts, good student, continuous insurance, and student away at school.
  • American Family may have discounts that include air bags, good driver, mySafetyValet, good student, early bird, TimeAway discount, and multi-vehicle.
  • Liberty Mutual offers premium reductions for hybrid vehicle, newly retired, multi-policy, preferred payment discount, exclusive group savings, newly married, and good student.

It’s a good idea to ask every company which discounts can lower your rates. Some of the discounts discussed earlier might not be available to policyholders in every state.

Compare insurance coverage quotes online

Cutting your insurance coverage rates is a great way to save money. You just need to take a few minutes comparing rates to find the company with affordable auto insurance quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

If you don’t have a lot of time, the easiest way to get quotes is an all-inclusive rate comparison click to view form in new window. This method eliminates the need for a different quote for every company. Taking the time to complete one form will get you price quotes from all major companies. This is by far the quickest method.

A more time consuming way to find better pricing is going to the website of each company to complete a price quote. For examples sake, we’ll assume you want to get rates from Farmers, Liberty Mutual and State Farm. You would need to spend time on each company’s site and enter your information, which explains why we recommend starting with the first method. For a list of links to companies insuring cars in your area, click here.

Whichever way you choose to compare rates, compare the exact same quote data for every company. If you use different values for each quote you can’t possibly make a fair comparison for your Acura TSX.

Your situation helps dictate your coverage

When choosing coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions could help you determine if you would benefit from professional advice.

  • What is covered by UM/UIM coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • How can I get my company to pay me more for my totalled car?
  • Does my 2004 Acura TSX qualify for pleasure use?
  • What if I total my 2004 Acura TSX and owe more than it’s worth?
  • Am I covered when pulling a rental trailer?
  • Do I have coverage when making deliveries for my home business?
  • Does my policy pay for OEM or aftermarket parts?
  • Does coverage extend to Mexico or Canada?
  • How high should my medical payments coverage be?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Auto insurance coverages and their meanings

Having a good grasp of a auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses like funeral costs, surgery, pain medications, nursing services and EMT expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, falling objects, a tree branch falling on your vehicle, rock chips in glass and theft. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage

Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like pain and suffering, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured or underinsured coverage

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Acura TSX.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Collision coverage

This coverage covers damage to your TSX resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like backing into a parked car, hitting a mailbox, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Online plus local equals savings

While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. In too many instances, an insured dropped collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The goal is to find the BEST coverage at the best possible price and still be able to protect your assets.

We just presented a lot of ways to reduce 2004 Acura TSX insurance premium rates online. It’s most important to understand that the more you quote auto insurance, the better likelihood of getting low cost auto insurance. You may be surprised to find that the best premium rates are with a smaller regional carrier.

Some insurance providers may not provide internet price quotes and usually these smaller providers sell through local independent agents. The cheapest 2004 Acura TSX insurance can be sourced online and from local agencies, and you need to comparison shop both to have the best rate selection.

More information is located at the links below