Compare 2013 Acura TSX Insurance Quotes

Trying to find the cheapest auto insurance rates for your Acura TSX? Tired of sacrificing other expenses to keep your car insured? You’re in the same situation as millions of other people. Due to the increasing number of companies and agents to choose from, it can be diffult for drivers to locate the most cost effective auto insurance provider.

Lower-cost auto insurance rates with discounts

Companies offering auto insurance do not list all available discounts in an easy-to-find place, so we researched some of the best known and the more hidden discounts that you may qualify for.

• Drivers Ed for Students – Teen drivers should participate in a local driver’s education class in school or through a local driver safety program.
• Early Renewal Discounts – A few auto insurance companies give discounts for renewing your policy before your current coverage expires. It can save you around 10%.
• Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save 5% or more.
• Telematics Data – Policyholders that allow driving data submission to look at driving patterns through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they have good driving habits.
• Membership in Organizations – Being in a professional or civic organization could trigger savings on your policy.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like it’s possible to get free car insurance, it just doesn’t work that way.

The best auto insurance companies and some of the discounts are:

• State Farm has discounts for passive restraint, driver’s education, defensive driving training, anti-theft, and multiple policy.
• Geico offers discounts for federal employee, multi-policy, defensive driver, military active duty, and air bags.
• Progressive discounts include homeowner, online quote discount, multi-policy, good student, and continuous coverage.
• 21st Century may have discounts that include anti-lock brakes, automatic seat belts, theft prevention, teen driver, and good student.
• American Family policyholders can earn discounts including accident-free, multi-vehicle, early bird, air bags, and good driver.
• The Hartford has savings for bundle, air bag, defensive driver, anti-theft, vehicle fuel type, and good student.
• AAA includes discounts for good driver, good student, pay-in-full, anti-theft, multi-policy, and AAA membership discount.

If you are trying to find the cheapest car insurance quotes, ask all the companies which discounts you may be entitled to. Some discounts listed above may not apply in your state. To see a list of companies that offer discounts, click this link.

How insurance providers determine Acura TSX insurance prices

One of the most helpful ways to save on insurance coverage is to to have a grasp of a few of the rating criteria that go into determining the level of your policy premiums. When you understand what controls the rates you pay, this allows you to make educated decisions that could help you find cheaper rates. Multiple criteria are considered when quoting car insurance. Most are fairly basic such as your driving history, although some other factors are more obscure such as your credit history or how financially stable you are.

• File a policy claims and pay more – Companies give the best rates to people who are claim-free. If you are the type of insured that files lots of claims you can definitely plan on much higher rates or policy non-renewal. Your insurance policy is intended to be relied upon for larger claims.
• Bundle home and auto and save – Most major insurers apply discounts for people who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount applied, drivers will still want to compare other insurance prices to help ensure you have the lowest rates.
• High deductibles reduce costs – Comprehensive and collision coverage deductibles define how much the insured will be required to pay in the event of a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of covered claims would be colliding with a stationary object, collision with a deer, or theft of your vehicle. The more expense you choose to pay out-of-pocket, the better rate you will receive on TSX coverage.
• Teenage driver insurance rates – Beginning drivers are known to be less responsible when driving with friends so they pay higher insurance coverage rates. Adding a inexperienced driver onto a policy can be quite pricey. More experienced drivers are more responsible, cause fewer claims and accidents and receive fewer citations.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For instance, these questions could help you determine if you would benefit from an agent’s advice.

• If I drive on a suspended license am I covered?
• What can I do if my company denied a claim?
• When should my teen driver be added to my policy?
• How do I buy GAP insurance?
• How does medical payments coverage work?
• How much can I save by bundling my policies?
• Is my dog or cat covered if injured in an accident?
• How much liability do I need to cover my assets?
• Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Auto insurance ads are enticing

Consumers can’t ignore all the ads that promise big savings for switching from companies such as 21st Century, Allstate and State Farm. They all advertise claims about saving some big amount after switching your coverage.

That’s great but how can every company make almost identical claims? It’s all in the wording.

Companies have a preferred profile for the type of driver that is profitable for them. For instance, this type of driver might be between the ages of 30 and 50, has few claims, and insures a new vehicle. Anybody who matches those parameters is entitled to the best price and therefore will pay quite a bit less when switching companies.

Insureds who do not match the ideal profile will get higher rates which translates to the prospect going elsewhere. The ads state “people who switch” not “everyone who quotes” can save as much as they claim. That’s why insurance companies can make the claims of big savings. Each company has different criteria, so it is so important to do a price quote comparison at every renewal. It is just not possible to predict which auto insurance company will have the best premium rates.

Specific coverage details

Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most auto insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Acura TSX.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as vandalism, damage from a tornado or hurricane, theft, damage from flooding and damage from getting keyed. The maximum amount 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 it’s not worth carrying full coverage.

Liability insurance

Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like pain and suffering, court costs, legal defense fees, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Coverage for collisions

Collision insurance 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 scraping a guard rail, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as surgery, prosthetic devices and X-ray expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Better coverage you can count on

We just covered some good ideas how you can shop for 2013 Acura TSX insurance online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding affordable car insurance. Consumers could even find that the lowest priced insurance comes from the least-expected company. They can often provide lower car insurance rates in certain areas than their larger competitors like Allstate or State Farm.

More affordable insurance is possible both online in addition to local insurance agencies, and you need to price shop both to get a complete price analysis. There are still a few companies who may not have online quoting and these regional insurance providers sell through independent insurance agents.

More information

• Smart Auto Insurance Tips (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Child Safety Seats (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)