Save on 2004 Acura TSX Car Insurance Quotes

Scraping up a payment for overpriced Acura TSX insurance can dwindle your checking account and force you to make sacrifices. Doing a price comparison is a smart way to tighten up your finances.

Lots of auto insurance companies contend for your insurance dollar, and it can be difficult to compare rates and uncover the absolute best price available.

How to Compare Insurance

There are several ways you can shop for Acura TSX insurance but there is one way that is more efficient than others. You could spend your day driving to insurance agencies in your area, or you can stay home and use online quotes for quick rates.

All the larger companies participate in an industry program where insurance shoppers send in one quote, and at least one company then gives them pricing based on that data. This prevents consumers from doing repetitive form submissions for every insurance company.

To compare 2004 Acura TSX rates using this form now click here to start a free quote.

The only drawback to getting quotes like this is buyers cannot specifically choose which companies you want pricing from. If you prefer to choose individual companies to compare prices, we have a page of the cheapest insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but make darn sure you compare exactly the same coverages for each price quote. If you use higher or lower deductibles then you won’t be able to determine the lowest rate for your Acura TSX. Having just a slight variation in coverages may result in a large different in cost. Just remember that more quotes helps locate a better price.

Everyone needs different coverages

When it comes to buying the best auto insurance coverage, there really is no “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.

When does my teenage driver need to be added to my policy?
Does my personal policy cover me when driving out-of-state?
Are all vehicle passengers covered by medical payments coverage?
Am I missing any policy discounts?
Does having multiple vehicles earn me a discount?
Why is insurance for a teen driver so high?
Does my car insurance cover rental cars?
Do I need roadside assistance coverage?
Can my teen drive my company car?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Car insurance coverage information

Understanding the coverages of your car insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages offered by car insurance companies.

Liability

This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as loss of income, emergency aid, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive auto coverage

This coverage covers 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 claims such as damage from flooding, a broken windshield, hitting a deer, hitting a bird and falling objects. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for collisions

Collision insurance pays for damage to your TSX resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sustaining damage from a pot hole, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, chiropractic care and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage