2011 Acura TSX Sport Wagon Insurance Cost – 5 Discounts for Cheaper Prices

Sick and tired of robbing Peter to pay Paul to pay high auto insurance rates every month? You’re in the same situation as many other drivers. Insurance companies such as Geico, Farmers Insurance and State Farm increase brand awareness with catchy ads and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

It’s important to price shop coverage yearly because auto insurance prices are constantly changing. Even if you think you had the best deal on TSX Sport Wagon insurance two years ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the fastest way to find great coverage at a great price.

The quickest way to compare car insurance rates is to take advantage of the fact all the major auto insurance companies pay for the opportunity to quote your coverage. To start a quote, the only thing you need to do is give them some information including your general credit rating, your education level, level of coverage desired, and whether you drive to work or school. Your insurance information gets sent immediately to many of the top insurers and they return cost estimate immediately.

If you wish to get multiple quotes for your 2011 Acura TSX Sport Wagon now, click here and complete the quick form.

Save money by receiving these five discounts

Not too many consumers would say car insurance is affordable, but there may be some discounts that can dramatically reduce your bill. Some discounts apply automatically when you purchase, but a few need to be inquired about before you get the savings.

• Discount for Swiching Early – Some car insurance companies give discounts for renewing your policy before your current coverage expires. It could save around 10% when you buy car insurance online.
• Distant College Student Discount – Youth drivers who are enrolled in higher education away from home without a vehicle on campus could qualify for this discount.
• First Accident Forgiveness – Not necessarily a discount, but companies like Allstate and Geico may permit one accident before raising your premiums if you are claim-free for a specific time period.
• Savings for New Vehicles – Adding a new car to your policy can get you a discount because new vehicles keep occupants safer.
• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices help deter theft so companies will give you a small discount.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most only cut the cost of specific coverages such as comp or med pay. So when the math indicates you could get a free car insurance policy, you won’t be that lucky.

A partial list of companies that may include most of the discounts above possibly include:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

When quoting, ask every company what discounts are available to you. Some discounts listed above may not be available in your area.

Your auto insurance coverage should be tailored to you

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might point out if you might need professional guidance.

• Where can I get insurance after a DUI in my state?
• Does my policy cover me when driving someone else’s vehicle?
• Am I covered if hit by an uninsured driver?
• Do I pay less for low miles?
• Can I rent a car in Mexico?
• Should I drop comprehensive coverage on older vehicles?
• Am I covered when delivering products for my home-based business?
• Do I need to file an SR-22 for a DUI in my state?
• When should I buy a commercial auto policy?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Auto insurance coverage specifics

Knowing the specifics of your auto insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages found on the average auto insurance policy.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for immediate expenses for dental work, surgery, nursing services, hospital visits and rehabilitation expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This will pay to fix damage to your TSX Sport Wagon resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as damaging your car on a curb, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability insurance – Liability insurance can cover injuries or damage you cause to other people or property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like bail bonds, emergency aid and structural damage. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Comprehensive insurance – This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, hitting a deer and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Smart shoppers get results

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. The ultimate goal is to buy enough coverage at the best cost.

You just learned a lot of techniques to shop for 2011 Acura TSX Sport Wagon insurance online. The key concept to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the lowest priced insurance comes from a small mutual company. Regional companies may cover specific market segments cheaper than their larger competitors like State Farm, Geico and Nationwide.

For more information, feel free to visit the articles below:

• Safety Belts FAQ (iihs.org)
• Frontal Crash Tests (iihs.org)
• Think You’re a Safe Driver? (State Farm)
• What is a Telematics Device? (Allstate)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)