How Much Does 2010 Acura TSX Car Insurance Cost?

Searching for cheaper insurance coverage rates? Consumers have options when looking for low-cost Acura TSX insurance. They can either spend hours calling around to get rate comparisons or leverage the internet to compare rates. There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the proper way to quote coverages on a Acura and get the lowest price.

How to compare free insurance price quotes

Cutting your insurance rates is a great way to save money. All you need to do is take time comparing rate quotes to find the company with cheap insurance quotes. Shoppers can get rates using one of these methods.

  1. If you are pressed for time, the simplest way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This method saves time by eliminating separate quotes for every company. One form submission gets you coverage quotes instantly. It’s the fastest way to compare.
  2. A slightly less efficient method to get comparison quotes is to take the time to go to each company website and go through the quote process again. For example, let’s say you want rates from Liberty Mutual, Allstate and GMAC. In order to get each rate, you would have to spend time on each company’s site and enter your policy data, which can take a lot of time.

    For a list of links to insurance companies in your area, click here.

  3. The old school way to find and compare rates is going to insurance agencies in your area. The ability to quote online eliminates the need for an insurance agent unless your situation requires the professional assistance of a local agency. Although, it is possible price shop your coverage online but buy from a local insurance agent.

However you get your quotes, make sure you are using apples-to-apples coverage data for every company. If you compare different liability limits it will be next to impossible to determine the best price for your Acura TSX.

You may qualify for discounts

Auto insurance companies do not advertise every disount available in a way that’s easy to find, so below is a list both the well known and the more hidden credits available to bring down your rates.

  • Sign Early and Save – A few larger companies offer discounts for buying a new policy before your current coverage expires. This can save 10% or more.
  • Membership in Organizations – Belonging to a qualifying organization can get you a small discount on your policy.
  • Bundled Policy Discount – When you have multiple policies with the same insurance company you may earn at least 10% off all policies.
  • Payment Method – If you pay your entire premium ahead of time rather than spreading payments over time you can actually save on your bill.
  • Homeowners Discount – Being a homeowner can save a few bucks since owning and maintaining a home is proof of financial responsibility.
  • Telematics Devices – People who choose to allow their car insurance company to analyze where and when they drive by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they show good driving skills.

It’s important to understand that some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, companies don’t profit that way.

Large car insurance companies and the discounts they provide are:

  • American Family includes discounts for multi-vehicle, air bags, early bird, good driver, bundled insurance, defensive driver, and Steer into Savings.
  • State Farm has savings for passive restraint, good student, student away at school, multiple policy, anti-theft, Drive Safe & Save, and multiple autos.
  • 21st Century offers discounts for driver training, anti-lock brakes, teen driver, homeowners, defensive driver, automatic seat belts, and air bags.
  • Travelers offers discounts including hybrid/electric vehicle, driver training, new car, early quote, and student away at school.
  • GEICO may have discounts that include driver training, defensive driver, good student, daytime running lights, air bags, emergency military deployment, and anti-lock brakes.

If you want low cost insurance quotes, ask every insurance company to apply every possible discount. Some discounts might not apply in your area. To find providers who offer free car insurance quotes, click here.

There’s no such thing as the perfect insurance coverage policy

When choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions might point out if your situation might need professional guidance.

  • Why is insurance for a teen driver so high?
  • Can I get a multi-policy discount?
  • Am I covered by my spouse’s policy after a separation?
  • When do I need to add a new car to my policy?
  • How can I get high-risk coverage after a DUI?
  • How do I insure my teen driver?
  • Do I need higher collision deductibles?
  • Are my friends covered when driving my car?
  • Should I buy full coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete this form. It’s fast, free and may give you better protection.

Specific coverages for a 2010 Acura TSX

Learning about specific coverages of car insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Liability coverages – Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy 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 limit of $100,000 paid for damaged property.

Liability coverage protects against things like repair costs for stationary objects, medical services, loss of income, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with a tree, rolling your car, driving through your garage door, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, damage from flooding, falling objects and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Acura TSX.

Since many drivers carry very low liability coverage 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.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as dental work, prosthetic devices, funeral costs and nursing services. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Keep this in mind

People who switch companies do it for any number of reasons including an unsatisfactory settlement offer, not issuing a premium refund, questionable increases in premium or delays in paying claims. It doesn’t matter what your reason, finding a great new company can be easy and end up saving you some money.

Cheaper auto insurance can be bought online as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers may not have online rate quotes and usually these smaller providers prefer to sell through local independent agents.

We just showed you quite a bit of information on how to save on 2010 Acura TSX insurance. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a small local company.

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