Cheap 2014 Acura TSX Sport Wagon Insurance Rates

Looking for cheaper car insurance rates? Shoppers have many options when shopping for low-cost Acura TSX Sport Wagon insurance. They can either spend hours struggling with agents to get rate comparisons or utilize the internet to compare rates. There is a right way and a wrong way to compare car insurance rates and we’ll show you the best way to quote coverages on a Acura and obtain the lowest price.

Finding insurance coverage

Most larger insurance companies make it easy to get prices for coverage from their websites. Getting prices online doesn’t take much effort as all you need to do is type in into the form. Behind the scenes, the system obtains information on your driving record and credit history and gives you a price quote based on many factors.

Quoting online simplifies rate comparisons, but having to visit multiple sites and enter the same data into a form is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes if you want to find a lower rate.

A more efficient way to compare rates uses just one form that gets price quotes from several companies at one time. The form is fast, eliminates form submissions, and makes price shopping online much simpler. After your information is entered, it is quoted and you are able to buy any or none of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. It takes less than 15 minutes and can result in significant savings.

To compare rates now, simply click here to open in new window and enter your information. If you have coverage now, it’s recommended you type in coverages and limits as shown on your current policy. Doing this guarantees you will receive comparison quotes using the same coverage and limits.

Drivers can save with these rate-reducing discounts

Car insurance can cost a lot, but there could be available discounts that can help lower your rates. Some discounts will apply when you complete an application, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • Life Insurance Discount – Some insurance coverage companies give a discounted premium rate on car insurance if you buy a life insurance policy as well.
  • Pay Early and Save – If you pay your bill all at once instead of making monthly payments you may have a lower total premium amount.
  • Resident Student – Older children who attend college more than 100 miles from home and do not take a car to college may be able to be covered for less.
  • Theft Prevention Discount – Cars with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify for a discount when you quote insurance for TSX Sport Wagon coverage depending on your company.
  • Passive Restraints – Vehicles equipped with air bags can get savings of up to 25% or more.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Homeowners Discount – Owning your own home or condo may trigger a policy discount on insurance coverage because of the fact that having a home means you have a higher level of financial diligence.
  • Seat Belt Discounts – Buckling up and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • New Vehicle Savings – Buying a new car instead of a used car can save up to 30% compared to insuring an older model.

A quick disclaimer, most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though it appears you would end up receiving a 100% discount, companies don’t profit that way.

Insurance companies that may offer policyholders these benefits include:

Before buying, ask each company or agent which discounts can lower your rates. Some discounts listed above may not be offered in your state. To see insurance companies who offer discounts, click here.

Buy cheap insurance coverage with these tips

Lots of things are used in the calculation when quoting car insurance. Most are fairly basic such as traffic violations, although some other factors are not as apparent like your vehicle usage and annual miles driven.

  • Do you need those extra policy coverages? – Insurance companies have many additional extra coverages you can purchase on your insurance coverage policy. Things like roadside assistance, accidental death, and additional equipment coverage may be costing you every month. These may sound like a good investment when discussing your needs, but your money might be better spent on other coverage so remove them and pocket the money.
  • Reserve insurance coverage claims for larger damages – Auto insurance companies give discounts to people who only file infrequent claims. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Your insurance policy is designed for larger claims.
  • Get married and get cheaper prices – Having a significant other can actually save you money on insurance coverage. It demonstrates that you tend to be more responsible and insurance companies reward insureds because drivers who are married file infrequent claims.
  • Safer the car lower the rate – Safer cars tend to have better insurance rates. These vehicles result in less severe injuries and fewer serious injuries means lower claim amounts and thus lower rates. If your Acura TSX Sport Wagon has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • Does insurance cost less for females? – Statistics demonstrate that women are safer drivers than men. However, don’t assume that females are better at driving than males. Both genders get in accidents at a similar rate, but the male of the species get into accidents with more damage. Men also receive more major tickets like driving under the influence (DUI). Young men ages 16 to 20 are the most expensive to insure and therefore are the most expensive to insure.
  • More people means more accidents – Living in a small town may provide you with better prices when buying insurance coverage. Fewer drivers and short commutes translates into fewer accident claims as well as less vandalism and auto theft. Drivers in populated areas regularly have congested traffic and a longer drive to work. More time commuting means more chance of being in an accident.
  • Low comp and collision deductibles mean high rates – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some instances where coverage would apply are a windshield shattered by a rock, hail damage, and windstorm damage. Comp and collision deductibles define how much you are willing to pay before your insurance coverage pays a claim. The more damage repair cost you’re willing to pay, the less your company will charge you for insurance for TSX Sport Wagon coverage.
  • Liability protection is cheap – Liability insurance will provide protection if a court rules you are at fault for causing damage or personal injury in an accident. It will provide you with a defense in court which can cost a lot. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Do I need special coverages?

When it comes to choosing the best car insurance coverage, there really is not a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that may help highlight whether your personal situation might need an agent’s assistance.

  • Are my friends covered when driving my car?
  • How do I insure my teen driver?
  • When can I cancel my policy?
  • What is an SR-22 filing?
  • What is no-fault insurance?
  • Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Do drivers who switch really save $471 a year?

Consumers get pounded daily by advertisements that claim the best car insurance rates by Allstate and Progressive. All the ads have a common claim that drivers can save some big amount if you move your policy.

It sounds good, but how can they all save you money? It’s all in the wording.

Most companies can use profiling for the type of insured that is profitable for them. For example, a driver they prefer could possibly be between the ages of 40 and 55, has no claims, and drives less than 5,000 miles a year. Any person that meets those criteria will get the preferred rates and as a result will probably cut their rates if they switch.

People who fall short of those standards will be quoted higher rates which translates to the customer buying from someone else. If you listen to the ad wording, they say “drivers that switch” not “everybody who quotes” save money. That’s why insurance companies can make those claims. This illustrates why it is so important to get as many free insurance quotes as possible. Because you cannot predict which company will have better premium rates than you’re paying now.

Auto insurance coverage information

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like theft, damage from a tornado or hurricane and vandalism. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

Collision coverage will pay to fix damage to your TSX Sport Wagon resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with another moving vehicle, colliding with a tree, crashing into a building, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Acura TSX Sport Wagon.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Liability insurance

Liability coverage protects you from injuries or damage you cause to people or other property in an accident. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as medical expenses, medical services and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for doctor visits, dental work, prosthetic devices and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

In any little way, save everyday

Insureds who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, unfair underwriting practices, poor customer service or lack of trust in their agent. Regardless of your reason for switching companies, finding a great new company can be easier than you think.

In this article, we covered some good ideas how you can save on 2014 Acura TSX Sport Wagon insurance. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best price on insurance is with a lesser-known regional company.

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. There are too many instances where an insured cut liability limits or collision coverage to discover at claim time that it was a big mistake. Your strategy should be to find the BEST coverage at an affordable rate, but do not skimp to save money.

For more information, take a look at the resources below: