2013 Acura TSX Sport Wagon Car Insurance Cost – 7 Tips for Cheaper Prices

Want lower car insurance rates for your Acura TSX Sport Wagon? When trying to find lower-priced insurance, are you frustrated by the sheer number of car insurance providers in your area? Many other drivers are as well. There are so many choices that it can easily turn into a real difficult job to find better car insurance rates.

You need to quote other rates periodically because prices fluctuate regularly. Just because you found the best deal for TSX Sport Wagon insurance a year ago a different company probably has better premium rates today. There is a lot of bad information regarding car insurance online but we’re going to give you some good information on how to put money back in your pocket.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. The purpose of this article is to let you in on how to get online quotes and some tricks to saving. But vehicle owners can benefit from knowing the methods companies use to price online insurance.

Drivers save money with with these seven discounts

Companies don’t necessarily list all available discounts very well, so the following is a list of both well-publicized and also the lesser-known discounts that you may qualify for. If you’re not getting every credit available, you may be paying too high a price.

  • Save with a New Car – Putting coverage on a new car can save up to 30% due to better safety requirements for newer vehicles.
  • Good Grades Discount – Maintaining excellent grades may save as much as 25% on a auto insurance quote. Earning this discount can benefit you up to age 25.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices can help prevent theft and that can save you a little bit as well.
  • Distant Student – Any of your kids who attend college more than 100 miles from home and won’t have access to an insured vehicle could get you a discount.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents so companies give up to a 10% discount.
  • Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts may get savings of 20 to 30 percent.
  • Organization Discounts – Being a member of a professional or civic organization may earn a discount on your next car insurance statement.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like you could get a free car insurance policy, nobody gets a free ride. Any amount of discount should help lower your policy premium.

A list of companies and some of their more popular discounts are included below.

  • American Family offers premium reductions for air bags, TimeAway discount, Steer into Savings, defensive driver, accident-free, bundled insurance, and early bird.
  • Farm Bureau offers discounts including multi-vehicle, youthful driver, safe driver, good student, and 55 and retired.
  • State Farm has savings for safe vehicle, accident-free, good student, good driver, defensive driving training, Steer Clear safe driver discount, and Drive Safe & Save.
  • Travelers may include discounts for payment discounts, multi-policy, hybrid/electric vehicle, home ownership, and student away at school.
  • The Hartford offers discounts for bundle, vehicle fuel type, good student, air bag, driver training, defensive driver, and anti-theft.
  • Geico may offer discounts for seat belt use, membership and employees, driver training, five-year accident-free, good student, and daytime running lights.
  • Progressive includes discounts for continuous coverage, multi-vehicle, online quote discount, online signing, multi-policy, good student, and homeowner.

When comparing rates, check with each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier may not be offered everywhere. To choose providers with discount car insurance rates, click here to view.

How to compare car insurance quotes

When comparison shopping, there are several ways of comparing price quotes from many available car insurance companies in your state. The easiest way by far to find the cheapest 2013 Acura TSX Sport Wagon insurance rates is to jump online and get quotes. This is quite simple and can be completed in a couple minutes as outlined below.

  • If you don’t have a lot of time, the easiest way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This easy form eliminates the need for boring form submissions for each company you want a rate for. Completing one form will return price quotes from many national carriers. It’s definitely the quickest method.
  • A slightly less efficient method to get quotes online is to manually visit each individual company website and fill out a new quote form. For example, we’ll pretend you want to compare rates from Auto-Owners, Liberty Mutual and Farmers. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, and that explains why we recommend the first method.

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

  • The most difficult method of getting rate comparisons is driving around to different agent offices. Quoting online makes this process obsolete unless you have a complicated situation and need the guidance that only an agent can give. If you prefer, some companies allow you to find lower rates online and get advice from an agent in your area.

Take whichever approach you prefer, but do your best to use nearly identical coverage limits for every quote you compare. If you use mixed coverages you can’t possibly decipher which rate is best. Slightly different insurance coverages could skew the results. And when price shopping your coverage, comparing all the rates in your area helps you find lower pricing.

Your situation helps dictate your coverage

When buying adequate coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine if your situation might need an agent’s assistance.

  • Is my cargo covered for damage or theft?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need rental car coverage?
  • What if I total my 2013 Acura TSX Sport Wagon and owe more than it’s worth?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I getting all the discounts available?
  • Are all vehicle passengers covered by medical payments coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverage information

Learning about specific coverages of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision coverage protection

This pays for damage to your TSX Sport Wagon from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a building, crashing into a ditch, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, damage from getting keyed and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as hospital visits, chiropractic care, funeral costs and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability

This will cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as medical services, repair bills for other people’s vehicles, medical expenses, structural damage and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Compare but don’t skimp

Drivers switch companies for a number of reasons such as poor customer service, policy cancellation, policy non-renewal or even being labeled a high risk driver. No matter why you want to switch, finding the right car insurance provider is actually quite simple.

Cheaper car insurance can be purchased from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies do not offer online price quotes and most of the time these small insurance companies prefer to sell through independent agents.

As you quote auto insurance, it’s a bad idea to buy poor coverage just to save money. There are too many instances where someone dropped liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.

Much more information about car insurance can be read at the links below