How Much Does 2011 Acura TSX Sport Wagon Insurance Cost?

Want better auto insurance rates for your Acura TSX Sport Wagon? Having to pay for high-priced Acura TSX Sport Wagon insurance can drain your bank account, especially in this economy. Shopping your coverage around is a great way to tighten up your finances.

Big companies like State Farm, Allstate, Geico and Progressive increase brand awareness with ad campaigns and it is difficult to separate fact from fiction and effectively compare rates to find the best deal.

If you have insurance now or are shopping for new coverage, you can use these techniques to find better prices while maximizing coverage. Buying car insurance is not that difficult. Vehicle owners just need to know the best way to get comparison rates over the internet.

How to buy auto insurance online

There are multiple methods to compare auto insurance quotes, and some are easier and takes less work. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can stay home and use the web to get the quickest rates.

Most of the best insurance companies enroll in a system where prospective buyers complete one form, and at least one company returns a rated price based on the submitted data. This eliminates the need for form submissions to every company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one disadvantage to getting quotes like this is you don’t know exactly which carriers you will receive quotes from. If you prefer to choose specific insurance companies to receive pricing from, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just do your best to use equivalent coverages on every price quote you get. If you use different data it’s impossible to truly determine the lowest rate.

Insurance coverage discounts are available to cut your rates

Companies offering auto insurance don’t necessarily list all possible discounts very well, so the below list has both well-publicized and the more hidden discounts that you may qualify for.

  • Service Members Pay Less – Having a family member in the military could qualify you for better insurance coverage rates.
  • Include Life Insurance and Save – If the company offers life insurance, you could get a discounted rate on car insurance if you buy some life insurance too.
  • Organization Discounts – Affiliation with specific professional or occupational memberships or organizations could earn you a nice discount on your bill.
  • Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • First Accident Forgiveness – Not a discount per se, but companies like Geico, State Farm, and Progressive allow you one accident before raising your premiums with the catch being you have to be claim-free prior to being involved in the accident.
  • Federal Employees – Active or former government employment may reduce rates when you quote insurance coverage for TSX Sport Wagon insurance depending on your insurance coverage provider.
  • 55 and Retired – Drivers that qualify as senior citizens may receive a slight reduction on a insurance coverage quote for TSX Sport Wagon insurance.
  • Buy New and Save – Putting insurance coverage coverage on a new car can save up to 30% because new vehicles keep occupants safer.

We need to note that most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like you could get a free insurance coverage policy, it’s just not the way it works.

A partial list of companies that may have these benefits may include but are not limited to:

If you need lower rates, check with each insurance company to apply every possible discount. Discounts may not apply to policyholders everywhere. To locate insurers that offer multiple discounts, click this link.

Six things that determine your insurance costs

Multiple criteria are considered when pricing auto insurance. Some are pretty understandable such as your driving record, but other criteria are less obvious such as your marital status or how financially stable you are.When buying insurance coverage it’s important to understand the different types of things that go into determining insurance coverage rates. When you know what positively or negatively positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to better insurance coverage rates.

The itemized list below are a partial list of the pieces utilized by car insurance companies to help set your rate level.

  • Long commutes cost more – The more miles you rack up on your Acura annually the higher your rate. A lot of companies charge to insure your cars based upon how the vehicle is primarily used. Cars that do not get driven very much can get a lower rate than vehicles that have high annual mileage. Having the wrong rating on your TSX Sport Wagon may be costing you higher rates. Ask your agent if your insurance coverage policy shows the right rating data, because it can save money.
  • Your spouse saves you money – Being married can get you a discount on your insurance coverage bill. Having a spouse may mean you are more stable financially and statistics show married drivers tend to have fewer serious accidents.
  • Low coverage deductibles can be expensive – The deductibles you choose are the amount of money you are required to pay if a claim is determined to be covered. Coverage for physical damage, also called comprehensive and collision insurance, insures against damage to your car. Examples of some claims that would be covered are colliding with a stationary object, fire damage, and damage from wind. The more of the claim you are required to pay out-of-pocket, the better rate you will receive for TSX Sport Wagon insurance.
  • Extra policy coverages can waste money – Policies have extra add-on coverages that can waste your money but may not be useful. Insurance for things like coverage for rental cars, better glass coverage, and additional equipment coverage may be costing you every month. These may sound like a good investment at first, but if you don’t need them think about removing them and cutting costs.
  • Defend yourself with liability protection – Liability insurance is the protection if ever you are responsible for personal injury or accident damage. Your liability coverage provides for a legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Policy claims cost money – Insurance companies generally give the best rates to policyholders that do not abuse their auto insurance. If you file a lot of claims you can expect either policy cancellation or increased premiums. Your car insurance is designed for major claims that would cause financial hardship.

Everyone needs different car insurance coverages

When choosing coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Is a new car covered when I drive it off the dealer lot?
  • What is roadside assistance coverage?
  • Does my insurance cover a custom paint job?
  • What is UM/UIM insurance?
  • Will my rates increase for filing one claim?
  • Which companies will insure high-risk drivers?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Educate yourself about insurance coverages

Knowing the specifics of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages found on most insurance policies.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants 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 damage to your Acura TSX Sport Wagon.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage – This pays for damage to your TSX Sport Wagon resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, rolling your car, hitting a parking meter, crashing into a ditch and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for medical payments – Med pay and PIP coverage reimburse you for expenses for ambulance fees, hospital visits, nursing services and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – Liability insurance can cover injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like repair costs for stationary objects, pain and suffering and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive coverages – This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, hitting a bird, vandalism and damage from getting keyed. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Quote more, save more

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed liability limits or collision coverage only to find out that the small savings ended up costing them much more. The aim is to find the BEST coverage at a price you can afford while still protecting your assets.

We just covered quite a bit of information on how to save on 2011 Acura TSX Sport Wagon insurance. The key concept to understand is the more rate quotes you have, the better likelihood of getting the cheapest insurance coverage. You may be surprised to find that the best price on insurance coverage is with some of the lesser-known companies. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive or Geico.

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