Lower Your 2007 Acura TSX Car Insurance Cost

Looking for cheaper car insurance rates for your Acura TSX? If you’re new to shopping for insurance coverage quotes online, by this point your are probably bewildered by the confusing number of companies who claim to have the best car insurance rates.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. This article will help educate you on the most effective way to quote insurance and some tips to save money. Although drivers need to have an understanding of how companies sell insurance online and take advantage of how the system works.

How to compare auto insurance quotes

There are a lot of ways to compare auto insurance prices but some are more efficient than others. You can waste a lot of time driving to insurance agencies in your area, or you could save time and use the internet to get rates in a matter of minutes.

Most of the larger companies enroll in a system where prospective buyers enter their coverage request one time, and every company can provide price quotes based on that data. This system prevents you from having to do quote requests to every company.

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

One minor caviat to using this type of system is that you can’t choose which insurance companies to get pricing from. So if you prefer to choose specific providers to compare prices, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make sure you are using exactly the same coverage limits on every price quote you get. If you use differing limits you can’t possibly determine which rate is truly the best. Having just a slight variation in limits could throw off the whole comparison. Just remember that comparing a large number of companies increases your odds of finding a better price.

Affordable insurance rates with discounts

Some insurers do not list the entire discount list very clearly, so the following is a list of some of the best known and the harder-to-find discounts you could be receiving when you buy insurance coverage online.

• Air Bag Discount – Factory air bags may get savings up to 30%.
• Seat Belts Save – Drivers who require all occupants to buckle up before driving could cut 10% or more off the PIP or medical payment premium.
• Good Students Pay Less – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
• Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance coverage quote.
• No Claim Discounts – Drivers who stay claim-free pay less in comparison to insureds who have frequent claims or accidents.
• Government Employees – Active or retired federal employment could cut as much as 10% off on TSX coverage depending on your insurance provider.
• Data Collection Discounts – Insureds who allow data collection to look at when and where they use their vehicle remotely such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they are good drivers.

As is typical with insurance, most credits do not apply to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, insurance companies aren’t that generous.

A few of the larger companies and a summarized list of policyholder discounts are outlined below.

• State Farm may have discounts that include good student, student away at school, multiple autos, safe vehicle, driver’s education, and anti-theft.
• Geico offers discounts for emergency military deployment, federal employee, good student, air bags, five-year accident-free, and multi-policy.
• SAFECO offers discounts including anti-lock brakes, drive less, teen safety rewards, accident prevention training, anti-theft, teen safe driver, and homeowner.
• Farmers Insurance discounts include youthful driver, bundle discounts, early shopping, alternative fuel, and multi-car.
• AAA offers premium reductions for anti-theft, good student, multi-car, education and occupation, AAA membership discount, and pay-in-full.
• USAA may offer discounts for driver training, defensive driver, annual mileage, multi-vehicle, family discount, and multi-policy.

It’s a good idea to ask all companies you are considering the best way to save money. Some credits may not be available in your area. To locate providers who offer online insurance quotes, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions may help you determine whether your personal situation could use an agent’s help.

• Do I need motorclub coverage?
• Should I buy full coverage?
• What can I do if my company denied a claim?
• Can my babysitter drive my car?
• Do all my vehicles need collision coverage?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Which companies will insure high-risk drivers?
• Is a blown tire covered by insurance?
• Should I file a claim if it’s only slightly more than my deductible?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form.

Insurance costs are influenced by these factors

A large part of saving on car insurance is knowing some of the elements that aid in calculating your car insurance rates. When consumers understand what controls the rates you pay, this allows you to make educated decisions that could result in better car insurance rates.

The itemized list below are some of the most common factors companies use to determine your prices.

• Get a ticket, pay higher costs – Attentive drivers receive lower rates as compared to careless drivers. Having a single speeding ticket or other violation can increase the cost of insurance by as much as thirty percent. Drivers with severe violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
• Defend yourself with liability – Liability insurance kicks in in the event that you are ruled to be at fault for personal injury or accident damage. This coverage provides you with a defense in court to defend your case. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
• Male rates may be higher – Over the last 30 years, statistics show women tend to be less risk to insure than men. The data does not necessarily mean that males are worse at driving than females. Both sexes have fender benders in similar numbers, but the male of the species cause more damage. Men also statistically get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
• Eliminate extra policy coverages – Insurance companies have many extra coverages that you can buy if you aren’t careful. Coverages like vanishing deductibles, accident forgiveness, and term life insurance are probably not needed. These coverages may sound good when deciding what coverages you need, but now you might not need them so remove them from your policy.
• Premiums are affected by your credit history – Having a bad credit history is a large factor in calculating your premium rate. Insureds with high credit scores tend to be less risk to insure than those with poor credit. Therefore, if your credit score leaves room for improvement, you could potentially save money when insuring your 2007 Acura TSX by improving your rating.
• How do annual miles impact costs? – Driving a lot of miles in a year the higher your rates will be. A lot of companies rate vehicles based upon how the vehicle is primarily used. Cars and trucks not used for work or commuting receive better premium rates than those used for commuting. Improper usage on your TSX is just wasting money. It’s always a good idea to double check that your declarations sheet shows the correct usage.
• Cheaper rates by combining – The majority of car insurance companies allow discounts to buyers that have more than one policy, otherwise known as a multi-policy discount. Discounts can amount to 10 percent or more. Even if you’re getting this discount drivers will still want to compare rates to ensure the best deal.
• Age of drivers impacts prices – Older drivers are viewed as being more responsible, file fewer claims , and are generally more financially stable.Youthful drivers tend to be less responsible behind the wheel so they pay higher car insurance rates.

Advertising myths

Popular insurance providers such as State Farm, Geico and Progressive endlessly run ads on TV and radio. They all make an identical promise of big savings if you move your coverage. That’s great but how can every company lower your rates? It’s all in the numbers.

All companies can use profiling for the type of driver that makes them money. For example, a profitable insured should be between 25 and 40, is a homeowner, and has a short commute. Any customer that matches those criteria gets the lowest rates as well as cut their rates if they switch.

Drivers who do not fit this ideal profile will have to pay a higher premium which results in business going elsewhere. The trick is to say “drivers who switch” not “everybody who quotes” save that much money. That’s why insurance companies can confidently advertise the savings. This really emphasizes why it is so important to compare quotes as often as possible. It’s just too difficult to predict which insurance company will provide you with the cheapest premium rates.

Specific coverages for an Acura TSX

Knowing the specifics of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Liability

Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as court costs, repair costs for stationary objects, bail bonds, structural damage and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

Collision coverage pays for damage to your TSX from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, vandalism, damage from getting keyed, rock chips in glass and hitting a deer. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like EMT expenses, X-ray expenses, hospital visits and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2007 Acura TSX.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Affordable insurance is out there

Drivers switch companies for many reasons like high prices, lack of trust in their agent, delays in paying claims and not issuing a premium refund. It doesn’t matter what your reason, switching companies is pretty simple and you could end up saving a buck or two.

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. In many cases, an insured cut uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Cheaper 2007 Acura TSX insurance can be sourced on the web and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not provide online price quotes and these regional carriers only sell coverage through independent insurance agencies.

More resources

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Distracted Driving Extends Beyond Texting (State Farm)
• Top Signs Your Brakes are Giving Out (State Farm)
• Credit and Insurance Scores (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)