2013 Acura TSX Car Insurance Rates – 7 Tips to Save

No one in their right mind cherishes buying insurance coverage, particularly when their premiums are through the roof.

Multiple insurance companies compete to insure your vehicles, so it’s not easy to compare every insurer and uncover the absolute best rate

Consumers should take time to compare rates yearly since rates change quite often. Just because you found the lowest price on TSX coverage a year ago you will most likely find a better rate today. Starting right now, forget all the misinformation about insurance coverage because you’re about to learn the best way to save money, get proper coverage and the best rates.

How to Compare Car Insurance Rates

All the larger car insurance companies allow you to get coverage prices directly from their websites. Getting online quotes doesn’t take much effort as you simply enter your coverage preferences into the quote form. When the form is submitted, their rating system gets your driving and credit reports and provides a quote. Being able to quote online makes comparing rates easy, but the work required to visit a lot of sites and fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to have as many quotes as possible if you are searching for a lower rate.

The easiest way to get multiple rate quotes requires only one form to get prices from a lot of companies. It’s a real time-saver, reduces the work, and makes comparison shopping much more efficient. Immediately after submitting the form, it is rated with multiple companies and you can pick any one of the pricing results.

If you find a better price you simply finish the application and buy the policy. This process can be completed in a matter of minutes and may save quite a bit of money.

To save time and use this form to compare rates, click here to open in new window and enter your information. To compare your current rates, we recommend you input the limits and deductibles as close as possible to your current policy. This guarantees you’re receiving an apples-to-apples comparison using the exact same coverages.

Is there truth in advertising?

21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. All the companies make the same claim of big savings if you switch your coverage to them. How do they all claim to save you money? It’s all in the numbers.

All the different companies can use profiling for the type of customer that earns them a profit. A good example of a desirable insured might be profiled as over the age of 50, has no driving citations, and has great credit. A customer who fits that profile receives the best rates and as a result will probably cut their rates substantially.

Drivers who are not a match for this ideal profile must pay a higher premium which leads to business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently claim big savings.

This illustrates why you absolutely need to get as many comparisons as possible. It’s not possible to predict the company that will fit your personal profile best.

How to save on 2013 Acura TSX insurance

The price of auto insurance can be rather high, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of quoting, but a few must be manually applied prior to getting the savings.

  • Sign Online – Some insurance companies may give you up to $50 for buying a policy and signing up on their website.
  • Life Insurance Discount – Larger companies have better rates if you take out auto and life insurance together.
  • Resident Student – Kids in college living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. The discount lasts until age 25.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on TSX coverage than their less cautious counterparts.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Senior Citizens – Older drivers may qualify for a discount up to 10% on TSX coverage.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, insurance companies aren’t that generous. Any qualifying discounts will cut the amount you have to pay.

Car insurance companies that may offer these benefits include:

It’s a good idea to ask every prospective company which discounts they offer. Discounts might not be offered in every state.

Tailor your coverage to you

When buying adequate coverage, there really is not a “best” method to buy coverage. Every situation is different so your insurance needs to address that. For instance, these questions may help you determine whether you would benefit from professional advice.

  • Am I covered when using my vehicle for business?
  • Why do I need rental car insurance?
  • Are my friends covered when driving my car?
  • Is my camper covered by my car insurance policy?
  • Is other people’s property covered if stolen from my vehicle?
  • What is medical payments coverage?
  • When should my teen driver be added to my policy?
  • Am I covered if I break a side mirror?
  • Can I rent a car in Mexico?
  • What is covered by UM/UIM coverage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverage considerations

Understanding the coverages of insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages found on the average insurance policy.

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, a tree branch falling on your vehicle, falling objects, vandalism and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability

This coverage will cover damage or injury you incur to other’s property or people in an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like legal defense fees, pain and suffering, medical services and loss of income. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Coverage for collisions

This coverage covers damage to your TSX resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as backing into a parked car, colliding with a tree, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Acura TSX.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses for hospital visits, EMT expenses, pain medications, doctor visits and chiropractic care. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Best coverage at the best price

When shopping online for insurance coverage, it’s not a good idea to reduce needed coverages to save money. There have been many cases where an insured cut full coverage and learned later that they should have had better coverage. Your goal should be to find the BEST coverage for the lowest price, not the least amount of coverage.

Low-cost 2013 Acura TSX insurance can be sourced from both online companies and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide the ability to get a quote online and these small insurance companies work with independent agents.

Additional detailed information is located at these sites: