Save on 2008 Acura TSX Car Insurance Quotes

Trying to find the cheapest insurance rates for your Acura TSX? Are you burned out from trying to scrape together enough money to insure your Acura every month? You have the same problem as the majority of other consumers. Companies like GEICO and Progressive continually bombard you with ad campaigns and it is difficult to see past the geckos and flying pigs and find the best price available.

If you have a current insurance policy or need a new policy, you can use these techniques to cut your premiums and possibly find even better coverage. Choosing the best insurance company for you is not rocket science. Consumers just need to understand the tricks to compare price quotes online.

Take advantage of every car insurance discount

Car insurance companies do not list all their discounts in a way that’s easy to find, so we took the time to find a few of the more well known and the more hidden discounts you could be receiving when you buy insurance online. If you don’t get every credit you deserve, you are not getting the best rate possible.

  • No Charge for an Accident – Not a discount per se, but some insurance companies allow you one accident without getting socked with a rate hike so long as you haven’t had any claims prior to being involved in the accident.
  • Good Student Discount – Maintaining excellent grades may save you up to 25%. You can use this discount normally up until you turn 25.
  • Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts can save a little off the personal injury premium cost.
  • Theft Deterent Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and earn discounts up to 10% off your insurance quote.
  • Anti-lock Brakes – Vehicles that have steering control and anti-lock brakes can reduce accidents and the ABS can save up to 10%.
  • Good Driver Discounts – Accident-free drivers can pay as much as 50% less on TSX coverage as compared to drivers with claims.
  • Memberships – Having an affiliation with qualifying employment or professional organizations could qualify you for a break on car insurance.
  • E-sign Discounts – A handful of car insurance companies will provide an incentive for buying your policy on your computer.
  • Senior Discount – Seniors could receive a slight reduction on a insurance quote on TSX coverage.
  • Fewer Miles Equal More Savings – Low annual miles could earn slightly better rates than normal.

Consumers should know that many deductions do not apply to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, it just doesn’t work that way.

Companies and some of their more popular discounts can be read below.

  • Progressive may have discounts that include multi-policy, homeowner, continuous coverage, good student, online quote discount, and online signing.
  • The Hartford may include discounts for good student, anti-theft, defensive driver, driver training, vehicle fuel type, bundle, and air bag.
  • Mercury Insurance offers discounts including good student, multi-policy, professional/association, annual mileage, location of vehicle, multi-car, and type of vehicle.
  • GEICO has savings for anti-lock brakes, daytime running lights, emergency military deployment, good student, multi-vehicle, and federal employee.
  • AAA offers premium reductions for anti-theft, AAA membership discount, pay-in-full, good driver, good student, and multi-policy.
  • State Farm has discounts for anti-theft, passive restraint, driver’s education, good driver, defensive driving training, and good student.

When getting a coverage quote, ask each company or agent how many discounts you can get. Some discounts might not be offered in your area. If you would like to see a list of insurers who offer cheap car insurance quotes, click here.

Shop car insurance online

Shopping for lower car insurance rates is a ton of work if you don’t utilize the fastest way to get free quotes. You could spend your day talking about coverages with agents in your area, or you can utilize the web to quickly compare rates.

All the larger companies are enrolled in a marketplace where prospective buyers submit one quote, and each participating company then gives them pricing determined by their information. This prevents consumers from doing repetitive form submissions to each company.

To enter your information into the quoting system, click here (opens in new window).

One minor caviat to doing it this way is you don’t know exactly which carriers you want pricing from. If you wish to select specific providers to request quotes from, we have a listing of companies who write car insurance in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but be certain you are entering the exact same coverage data on every quote you get. If your comparisons have different values for each quote it will be impossible to get a fair rate comparison.

You can change your insurance costs

Lots of factors are considered when you get a price on insurance. A few of the factors are predictable such as your driving history, although others are not quite as obvious such as your credit history and annual miles driven.

  • Premiums and your address – Having an address in small towns and rural areas may provide you with better prices when shopping for auto insurance. Lower population means less chance of accidents and also fewer theft and vandalism claims. Residents of big cities have more road rage incidents and longer commute times. Longer commute distances can result in more accidents.
  • Men drivers tend to cost more – Statistics show that females tend to be a little less risky than males. However, this does not mean women are BETTER drivers than men. Both sexes are in accidents in similar numbers, but the men get into accidents with more damage. Men also tend to get more serious tickets like reckless driving and DUI.
  • Drivers with high credit save on car insurance – Having a good credit history is likely to be a major factor in determining premium rates. If your credit rating can use some improvement, you could potentially save money when insuring your 2008 Acura TSX by spending a little time repairing your credit. Drivers who have excellent credit tend to file fewer claims and have better driving records than drivers with bad credit.
  • Keep the miles off and save – The more you drive every year the more it will cost to insure it. A lot of insurance companies price each vehicle’s coverage based on their usage. Vehicles that have low annual miles cost less to insure as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your car insurance policy is showing the proper vehicle usage, because it can save money. Incorrect rating for your TSX may be wasting your money.
  • Buy a safe car and pay less – Safer cars are cheaper to insure. These vehicles have better occupant injury protection and lower rates of occupant injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Acura has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

How to know if you need help

When buying adequate coverage, there is no single plan that fits everyone. Each situation is unique and your policy should reflect that. For instance, these questions can aid in determining if you might need professional guidance.

  • Is rental equipment covered for theft or damage?
  • What is covered by UM/UIM coverage?
  • Who is covered when they drive my 2008 Acura TSX?
  • What is an SR-22 filing?
  • Am I covered if I crash into my own garage door?
  • Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and can help protect your family.

But the ad said I’d save 15% in 15 minutes!

Consumers can’t escape the ads that promise big savings for switching from companies such as GEICO, State Farm and Progressive. All the companies advertise the message that you can save after switching your coverage.

How is it possible that every company can have lower policy pricing? This is the trick they use.

Auto insurance companies have a certain “appetite” for the right customer that earns them a profit. A good example of a desirable insured may need to be over the age of 40, has other policies, and drives a safe vehicle. Any customer who matches those parameters will get low prices and will probably cut their rates if they switch.

Insureds who fall outside the requirements will be charged higher prices which results in the customer not purchasing. The trick companies use is to say “drivers that switch” not “all people who quote” can get the lowest rates when switching. That’s the way insurance companies can lure you into getting a quote.

That is why drivers should get as many free insurance quotes as possible. It’s not possible to predict the company that will provide the lowest rates.

Auto insurance coverage information

Knowing the specifics of your car insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from car insurance companies.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like surgery, chiropractic care, rehabilitation expenses and pain medications. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverage – This coverage can cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like repair costs for stationary objects, loss of income, attorney fees, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision – Collision coverage covers damage to your TSX resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, sustaining damage from a pot hole, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, a broken windshield, a tree branch falling on your vehicle, rock chips in glass and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Acura TSX.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

More comparisons equals lower rates

Cheaper car insurance is available from both online companies as well as from insurance agents, so you need to quote insurance with both so you have a total pricing picture. Some car insurance companies may not provide rate quotes online and many times these regional carriers provide coverage only through local independent agents.

We just presented a lot of tips how to get a better price on 2008 Acura TSX insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding cheaper insurance. Drivers may discover the biggest savings come from a smaller regional carrier. Smaller companies may have significantly lower premium rates on certain market segments than their larger competitors like GEICO and State Farm.

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