View 2008 Acura TSX Insurance Cost

There isn’t a single person who fancies paying their premiums for insurance coverage, especially when they know the cost is way too high. Due to the increasing number of options, it’s difficult to pick a more affordable insurance company.

Get lower-cost insurance quotes with discounts

Companies that sell car insurance don’t always list all their discounts in a way that’s easy to find, so the list below gives a summary of both well-publicized and also the lesser-known discounts that you may qualify for.

  • Driving Data Discount – Drivers who elect to allow driving data submission to study driving habits by using a telematics device in their vehicle such as State Farm’s In-Drive could possibly reduce rates if they are good drivers.
  • Accident-Free Discounts – Drivers who stay claim-free are rewarded with significantly better rates on auto insurance quote in comparison with accident-prone drivers.
  • Passive Restraints – Factory options such as air bags or motorized seat belts may get savings as much as 30%.
  • Sign Early and Save – Some insurance companies provide a discount for switching policies prior to your current policy expiring. You can save around 10% with this discount.
  • Good Grades Discount – Excelling in school can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
  • Waiver for an Accident – This isn’t a discount exactly, but companies like Progressive, Allstate, and Liberty Mutual allow you one accident without the usual rate increase if your claims history is clear for a specific time period.

As is typical with insurance, many deductions do not apply to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like you could get a free insurance policy, it’s just not the way it works.

A few popular companies and some of the discounts are outlined below.

  • State Farm policyholders can earn discounts including safe vehicle, student away at school, defensive driving training, good student, multiple policy, and good driver.
  • Liberty Mutual offers discounts for new vehicle discount, newly married, multi-policy, new graduate, preferred payment discount, and safety features.
  • American Family has discounts for good student, good driver, early bird, TimeAway discount, and mySafetyValet.
  • Progressive offers discounts including multi-policy, online signing, homeowner, online quote discount, multi-vehicle, continuous coverage, and good student.
  • Farmers Insurance may offer discounts for distant student, youthful driver, alternative fuel, good student, pay in full, and mature driver.
  • Auto-Owners Insurance may include discounts for company car, student away at school, mature driver, multi-policy, and paid in full.
  • SAFECO may have discounts that include multi-car, bundle discounts, drive less, accident prevention training, anti-theft, and teen safety rewards.

Double check with every company how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders in your area.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique and your policy should reflect that. For example, these questions may help highlight whether your personal situation may require specific advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Is motorclub coverage worth it?
  • What companies insure drivers after a DUI or DWI?
  • Are my friends covered when driving my 2008 Acura TSX?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my car insurance cover rental cars?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Be skeptical of insurance coverage ads

Drivers get pounded daily by advertisements that promise big savings from companies such as Geico, State Farm and Progressive. They all seem to try to convey promises of big savings if you get a free auto insurance quote and switch your insurance coverage coverage to their company.

But how can every company give you a better price? Here is the trick they use.

All companies have underwriting criteria for the type of customer that will be a good risk. An example of a profitable risk profile should be over the age of 35, insures multiple vehicles, and drives less than 7,500 miles a year. Any person that matches those criteria will probably get the lowest premium rates and will save money with a new company.

Insureds who don’t measure up to these standards will probably be forced to pay higher prices which results in the driver buying from a lower-cost company. The ad wording is “people that switch” not “everyone that quotes” will save that much if they switch. That is how insurance companies can make the claims of big savings.

This emphasizes why drivers should get a wide range of price quotes. It’s just too difficult to predict the company that will give you the biggest savings.

Insurance coverage options for an Acura TSX

Having a good grasp of insurance can be of help when determining appropriate coverage for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. These are typical coverage types offered by insurance companies.

Collision coverage protection

Collision insurance will pay to fix damage to your TSX resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, colliding with a tree 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. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for short-term medical expenses such as EMT expenses, rehabilitation expenses and doctor visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hail damage, vandalism, damage from getting keyed and falling objects. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Acura TSX.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are set the same as your liablity limits.

Auto liability insurance

This coverage provides protection from injuries or damage you cause to a person or their property. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like medical expenses, court costs, loss of income and emergency aid. How much coverage you buy is up to you, but consider buying as large an amount as possible.

More choices the merrier

The cheapest 2008 Acura TSX insurance is definitely available both online and with local insurance agents, so get free auto insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who don’t offer the ability to get a quote online and usually these regional carriers provide coverage only through local independent agents.

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. In many cases, an insured cut uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage for the lowest cost while still protecting your assets.

More detailed insurance coverage information is available in the articles below: