Compare 2014 Acura TSX Insurance Rates

Looking for lower auto insurance rates for your Acura TSX? Are you a victim of overpriced auto insurance? Believe me when I say there are many people just like you. Numerous car insurance companies battle for your insurance dollar, so it’s not easy to compare every provider to get the lowest rate possible.

Low Cost Insurance Coverage

There are multiple methods to compare 2014 Acura TSX insurance coverage quotes, but one way is less labor-intensive and much quicker. You can waste a few hours (or days) driving to insurance companies in your area, or you can utilize online quoting to get rate comparisons in just a few minutes.

The majority of car insurance companies participate in an industry program where insurance shoppers submit one quote, and each company then returns a price quote based on that data. This saves time by eliminating quotation requests to each company.

To find out how much you can save on insurance coverage click here to start a free quote.

The one downside to doing it this way is that you can’t choose which companies you will receive quotes from. So if you prefer to choose specific providers to compare prices, we have a listing of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing apples-to-apples coverage information on every quote you get. If each company quotes differing limits it’s not possible to truly determine the lowest rate.

Are you getting all your discounts?

Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. Some discounts apply automatically when you purchase, but some may not be applied and must be asked about before being credited. If you don’t get every credit available, you’re paying more than you need to.

  • Good Student – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Passive Restraints – Cars that have air bags may earn rate discounts of up to 25% or more.
  • Paperless Signup – Certain companies may give you up to $50 for buying a policy and signing up digitally online.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Organization Discounts – Affiliation with certain professional organizations may earn a discount on insurance coverage on TSX coverage.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less on TSX coverage than drivers with accidents.
  • Student in College – Kids in college who are attending college without a vehicle on campus may be able to be covered for less.
  • Senior Citizens – Older drivers may qualify for better insurance coverage rates on TSX coverage.
  • Drive Less and Save – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you could get a free insurance coverage policy, companies don’t profit that way. But all discounts will cut the cost of coverage.

To see a list of companies with discount insurance coverage rates, click here.

Tailor your coverage to you

When it comes to choosing coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that could help you determine if your insurance needs may require specific advice.

  • Does my insurance cover my expensive audio equipment?
  • Is my ex-spouse still covered by my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I rate my 2014 Acura TSX as pleasure use or commute?
  • Do I have coverage when using my vehicle for my home business?
  • Why do I only qualify for high-risk insurance?
  • Is my custom paint covered by insurance?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Acura TSX insurance rates have many determining factors

Smart consumers have a good feel for the different types of things that help determine the price you pay for insurance. Understanding what determines base rates helps enable you to make changes that will entitle you to lower insurance prices.

The following are some of the factors that factor into prices.

  • Where you live – Residing in small towns and rural areas can be a good thing when insuring your vehicles. Fewer people translates into fewer accidents and a lower car theft rate. City drivers regularly have much more traffic to deal with and longer commutes to work. Higher commute times can result in more accidents.
  • Bundling policies can get discounts – Many insurance companies provide better rates to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible. You may still find a better deal by insuring with multiple companies.
  • Do you need the policy add-ons? – There are a ton of extra bells and whistles that you can get tricked into buying on your insurance policy. Coverages like rental car reimbursement, accidental death and term life insurance may be wasting your money. They may seem good when you first buy your policy, but if they’re wasting money get rid of them and save.
  • No coverage gaps is important – Not having insurance is against the law and you will pay a penalty because you let your coverage lapse. And not only will insurance be more expensive, getting caught without coverage will get you a steep fine or even jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • How credit affects insurance rates – Having a bad credit rating is a big factor in determining your rates. People with high credit ratings tend to be more responsible as compared to drivers with lower ratings. If your credit history can use some improvement, you could be paying less to insure your 2014 Acura TSX by spending a little time repairing your credit.

The fine print in insurance ads

Drivers can’t get away from ads for car insurance savings from the likes of Allstate, GEICO and Progressive. They all seem to make an identical promise about savings if you move your coverage to them.

How do they all say the same thing? It’s all in the numbers.

Insurance companies have a preferred profile for the type of driver that is profitable for them. An example of a desirable insured might be profiled as between 25 and 40, owns a home, and has excellent credit. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and most likely will save a lot of money.

Drivers who don’t measure up to the “perfect” profile will be quoted higher prices and ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can confidently make those claims.

This emphasizes why it’s extremely important to get quotes from several different companies. You cannot predict the company that will give you the biggest savings on Acura TSX insurance.

Insurance coverage specifics

Understanding the coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for chiropractic care, dental work and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Acura TSX.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, rock chips in glass and hitting a bird. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

This can cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you from legal claims by others, and does not provide coverage for 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. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as attorney fees, emergency aid, structural damage, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage protection

This coverage covers damage to your TSX from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sustaining damage from a pot hole, hitting a parking meter, backing into a parked car, crashing into a building and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Smart shoppers get results

Discount 2014 Acura TSX insurance is available both online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some auto insurance companies may not provide online price quotes and these small insurance companies work with independent agents.

We just showed you a lot of techniques to lower your insurance rates. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the biggest savings come from the smaller companies. They may only write in your state and offer lower rates compared to the large companies like Progressive or GEICO.

Additional detailed information can be read at these sites: