Compare 2014 Acura TSX Insurance Quotes

Trying to find cheaper insurance coverage rates for your Acura TSX? I doubt anyone enjoys paying for insurance coverage, especially when they could find lower prices if they just compared rates.

Big companies like State Farm, Allstate, Geico and Progressive constantly bombard you with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

It’s important to do rate comparisons yearly because insurance prices change regularly. Just because you found the lowest price for TSX coverage on your last policy you may be paying too much now. Forget all the misinformation about insurance coverage because you’re about to learn one of the quickest ways to get good coverage at a lower rate.

Are you earning every discount?

Some providers do not list all possible discounts very well, so the list below details some of the best known as well as some of the hidden credits available to bring down your rates. If they aren’t giving you every credit you qualify for, you are just wasting money.

  • Discount for Low Mileage – Low annual miles may allow you to get cheaper insurance coveragerates.
  • Senior Citizen Rates – Drivers over the age of 55 may be able to get lower premium rates for TSX coverage.
  • Good Students Pay Less – Being a good student could provide a savings of up to 20% or more. The good student discount can last until age 25.
  • Paperless Signup – Some larger companies will provide an incentive for signing up digitally online.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving may be able to save a few bucks off PIP or medical payments premium.
  • Organization Discounts – Participating in a civic or occupational organization may earn a discount when getting a auto insurance quote.
  • Discounts for Cautious Drivers – Drivers who don’t get into accidents can save up to 40% or more on their auto insurance quote for TSX coverage as compared to drivers with claims.
  • Accident Waiver – Not really a discount, but some companies like State Farm and Allstate permit an accident without getting socked with a rate hike with the catch being you have to be claim-free for a set time period.
  • Student in College – Kids who are attending college and leave their car at home may be able to be covered for less.
  • Early Switch Discount – Some insurance coverage companies reward drivers for renewing your policy before your current policy expires. It could save around 10% when you buy auto insurance online.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you can get free auto insurance, that’s just not realistic.

A few popular companies and their offered discounts can be found below.

  • The Hartford discounts include vehicle fuel type, anti-theft, driver training, bundle, and defensive driver.
  • American Family includes discounts for mySafetyValet, good driver, air bags, bundled insurance, Steer into Savings, good student, and multi-vehicle.
  • Progressive may offer discounts for continuous coverage, homeowner, multi-policy, online signing, good student, and online quote discount.
  • Travelers offers discounts including student away at school, hybrid/electric vehicle, IntelliDrive, continuous insurance, and good student.
  • Farmers Insurance has discounts for early shopping, pay in full, teen driver, mature driver, good student, and distant student.
  • USAA offers discounts for loyalty savings, annual mileage, family discount, vehicle storage, and defensive driver.
  • Liberty Mutual policyholders can earn discounts including newly married, exclusive group savings, new vehicle discount, preferred payment discount, multi-policy, multi-car, and hybrid vehicle.

Before you buy a policy, ask all companies you are considering which discounts can lower your rates. Some of the earlier mentioned discounts may not be offered in your area.

When in doubt talk to an agent

When it comes to choosing adequate coverage, there really is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining if your insurance needs could use an agent’s help.

  • Does my policy pay for OEM or aftermarket parts?
  • Are split liability limits better than a combined single limit?
  • What can I do if my company denied a claim?
  • Is my teen driver covered when they drive my company car?
  • Are there companies who specialize in insuring high-risk drivers?
  • At what point should I drop full coverage?
  • When would I need additional glass coverage?
  • What should my uninsured motorist coverage limits be in my state?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Can you really save if you switch?

Respected companies like Allstate, Geico and Progressive constantly bombard you with television, radio, and online ads. All the ads advertise claims that you can save if you just switch your policy. How do they all save you money? This is the trick they use.

All the different companies quote their cheapest rates for the driver that earns them the most money. One example of a desirable risk might have to be a married female, owns a home, and drives a car with an anti-theft system. Someone that hits that “sweet spot” will get low premium rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for those standards will probably have to pay a higher rate which leads to business not being written. The trick is to say “customers who switch” but not “all drivers who get quotes” save the amount stated. That is how companies can truthfully state the savings. This really drives home the point why you really need to compare as many free auto insurance quotes as you can. It is impossible to predict which car insurance company will fit your personal profile best.

Detailed coverages of your auto insurance policy

Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most auto insurance policies.

Collision protection

This will pay to fix damage to your TSX resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with a tree, crashing into a building, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, damage from a tornado or hurricane, fire damage, theft and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for expenses like hospital visits, EMT expenses and ambulance fees. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This can cover damage or injury you incur to people or other property that is your fault. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

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. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as legal defense fees, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Quote more, save more

When searching for cheap auto insurance quotes, make sure you don’t reduce coverage to reduce premium. There have been many cases where someone sacrificed uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

Lower-priced insurance coverage can be found from both online companies as well as from independent agents, so you need to shop auto insurance with both so you have a total pricing picture. Some insurance coverage companies may not have rates over the internet and most of the time these smaller providers work with independent agencies.

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