2012 Acura TSX Sport Wagon Insurance Cost – 10 Ways to Save

Want the cheapest auto insurance rates? Drivers have a choice when trying to find the lowest priced Acura TSX Sport Wagon insurance. You can either spend your time calling around to compare prices or use the internet to find the lowest rates. There are more efficient ways to buy auto insurance and you need to know the proper way to price shop coverage for your Acura and find the lowest possible price from both online companies and local agents.

It’s a good habit to take a look at other company’s rates periodically because prices are variable and change quite frequently. Just because you had the best deal on TSX Sport Wagon coverage at your last renewal other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re going to learn how to use the internet to save on auto insurance.

Quote insurance online

Lowering your 2012 Acura TSX Sport Wagon insurance rates is a fairly straight forward process. Consumers just need to spend a few minutes on the computer to compare free insurance quotes to find the company with affordable insurance quotes. It is quite easy and can be accomplished in several different ways.

  • The fastest and easiest way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating separate forms for every insurance company. Completing one form gets rate comparisons from all major companies. This is by far the quickest method.
  • A different way to find better pricing consists of visiting each company’s website and fill out a new quote form. For example, we’ll pretend you need rates from Liberty Mutual, Esurance and American Family. You would have to spend time going to each site individually to enter your coverage information, which is not fast way to get rate quotes.

    For a list of links to insurance companies in your area, click here.

  • The old school method to get comparison rates is to spend your day driving to insurance agents’ offices. Quoting and buying insurance online has reduced the need for local agents unless you prefer the guidance of a local agent. Although, it is possible compare online quotes and have a local agent actually service the policy.

It’s up to you how you get prices quotes, just make darn sure you compare equivalent coverages and limits for each quote you get. If the quotes have differing limits it’s impossible to truly determine the lowest rate.

Car insurance ads are enticing

Consumers can’t get away from ads that claim the best premium rates from companies such as Allstate, Geico and Progressive. They all seem to have a common claim that you can save if you get a free insurance quote and switch your coverage.

That’s great but how can every company claim to save you money? It’s all in the numbers.

Many companies have a preferred profile for the type of insured that earns them a profit. One example of a desirable insured could possibly be between the ages of 40 and 55, has a clear driving record, and chooses high deductibles. A propective insured who fits that profile receive the lowest rate quotes and most likely will save some money.

Drivers who don’t qualify for these stringent criteria may be forced to pay more expensive rates and this results in the customer not buying. Company advertisements say “drivers who switch” not “everyone who quotes” save that much money. That’s the way insurance companies can confidently advertise the savings. Because of the profiling, you should do a rate comparison at every renewal. Because you never know the company that will have the lowest rate quotes.

Get lower rates with these ten discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts to reduce the price significantly. Many of these discounts will be applied automatically at quote time, but lesser-known reductions have to be manually applied before you get the savings. If you are not receiving all the discounts you qualify for, you’re paying more than you need to.

  • Passive Restraints – Factory options such as air bags or automatic seat belts may earn rate discounts up to 30%.
  • Accident Forgiveness Coverage – Not necessarily a discount, but a few companies such as Geico, Allstate and Liberty Mutual will allow you to have one accident before your rates go up so long as you are claim-free for a certain period of time.
  • Telematics Discount – Drivers who agree to allow driving data collection to scrutinize driving habits by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they have good driving habits.
  • Early Switch Discount – A few companies allow discounts for buying a policy before your current policy expires. It can save you around 10%.
  • Discounts for Safe Drivers – Drivers who avoid accidents can save as much as half off their rates on TSX Sport Wagon coverage than drivers with accident claims.
  • Government Employees – Federal government employees can save as much as 8% on TSX Sport Wagon coverage with some insurance companies.
  • Military Deployment Discount – Being on active deployment in the military could trigger a small discount.
  • Discount for New Cars – Insuring a new car can get you a discount since newer vehicles are generally safer.
  • ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices help deter theft and therefore earn up to a 10% discount.

Policy discounts save money, but most of the big mark downs will not be given the the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, companies don’t profit that way. But any discount will lower your premiums.

Larger insurance companies and a selection of discounts can be found below.

  • State Farm has discounts for defensive driving training, good student, Steer Clear safe driver discount, Drive Safe & Save, accident-free, and student away at school.
  • Progressive discounts include multi-policy, online quote discount, online signing, good student, continuous coverage, homeowner, and multi-vehicle.
  • Progressive offers premium reductions for continuous coverage, online quote discount, homeowner, good student, multi-policy, multi-vehicle, and online signing.
  • MetLife offers discounts including multi-policy, good driver, claim-free, accident-free, good student, and defensive driver.
  • Farm Bureau may include discounts for youthful driver, 55 and retired, safe driver, multi-vehicle, multi-policy, good student, and renewal discount.
  • Geico has savings for military active duty, five-year accident-free, good student, daytime running lights, and federal employee.
  • SAFECO offers discounts for safe driver, drive less, homeowner, accident prevention training, anti-lock brakes, and anti-theft.

If you need the cheapest insurance quotes, ask all the companies which discounts can lower your rates. Some discounts listed above might not be offered in your state. To see companies with discount rates, follow this link.

Insurance can be complex

When it comes to choosing the best insurance coverage, there is no best way to insure your cars. Each situation is unique.

For instance, these questions could help you determine whether or not you could use an agent’s help.

  • Is my nanny covered when driving my vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Is rental equipment covered for theft or damage?
  • Which companies will insure high-risk drivers?
  • When does my teenage driver need to be added to my policy?
  • When should I remove comp and collision on my 2012 Acura TSX Sport Wagon?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, complete this form. It’s fast, free and may give you better protection.

Educate yourself about auto insurance coverages

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Auto liability insurance – This provides protection from damage that occurs to other people or property by causing an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as attorney fees, structural damage, loss of income and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive protection – This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hail damage, fire damage and hitting a bird. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for bills for funeral costs, surgery, rehabilitation expenses and EMT expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – This coverage will pay to fix damage to your TSX Sport Wagon caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, colliding with a tree, damaging your car on a curb, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Quote often and quote early

When trying to cut insurance costs, do not reduce needed coverages to save money. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your goal is to purchase a proper amount of coverage at the lowest possible cost.

Insureds change insurance companies for many reasons like extreme rates for teen drivers, questionable increases in premium, denial of a claim and high prices. Regardless of your reason, switching insurance coverage companies can be easy and end up saving you some money.

We just presented many tips how you can get a better price on 2012 Acura TSX Sport Wagon insurance. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding inexpensive insurance. You may be surprised to find that the lowest rates are with an unexpected company.

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