2014 Acura TSX Sport Wagon Insurance Rates

Locating better insurance prices for an Acura TSX Sport Wagon can be a painful process, but you can follow a few tricks to find lower rates.

There is a right way and a wrong way to compare insurance rates so you’re going to learn the quickest way to get price quotes for a new or used Acura and obtain the cheapest rates.

You should take the time to do price comparisons quite often because prices are usually higher with each renewal. Just because you had the best deal for TSX Sport Wagon coverage a few years ago you will most likely find a better premium rate today. Ignore everything you know about insurance because I’m going to let you in on the secrets to the proper way to save money, get proper deductibles and limits, all at the lowest rate.

Learn how to lower your insurance costs

The best way to find cheaper auto insurance is to take a look at some of the elements that play a part in calculating the price you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that can earn you lower rates.

  • Policy add-ons add up – There are many add-on coverages that can add up if you don’t pay attention. Insurance for things like personal injury protection, death and dismemberment, and additional equipment coverage may be costing you every month. These coverages may sound good when buying your policy, but your needs may have changed so get rid of them and save.
  • Premiums impacted by vehicle usage – The more miles you rack up on your Acura in a year the more you’ll pay to insure it. Almost all companies apply a rate determined by how the vehicle is used. Cars used primarily for pleasure use get more affordable rates than those used for commuting. Incorrect rating for your TSX Sport Wagon is just wasting money. It’s a good idea to make sure your vehicle rating correctly shows the correct driver usage.
  • Deter theft and lower auto insurance rates – Driving a car that has a built-in theft deterrent system can save you some money. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all help prevent auto theft and help lower rates.
  • Better drivers have lower rates – Your driving record has a lot to do with how much you pay for insurance. Attentive drivers get better rates than people who have multiple driving citations. Having a single speeding ticket may cause rates to rise substantially. Drivers who have gotten license-revoking violations such as DWI, reckless driving or hit and run convictions may find they need to complete a SR-22 with their state in order to prevent their license from being revoked.
  • Don’t skimp on liability – Your auto insurance policy’s liability coverage is the coverage that protects you if you are found liable for personal injury or accident damage. Your policy’s liability insurance provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to other policy coverages, so do not skimp.

The fastest way that we advise to get policy rate comparisons is to know most insurance companies provide online access to compare their rates. The only thing you need to do is provide a little information including whether the vehicles are used for commuting, how much education you have, distance driven, and if it has an alarm system. That information is automatically sent to multiple top-rated companies and you will get price comparisons instantly to find the best rate.

Save $493 a year. For real?

Consumers constantly see and hear ads for cheaper insurance coverage by State Farm, Allstate and GEICO. They all try to convey promises that people will save if you change your coverage.

How is it plausible that every one can charge lower premium rates? It’s all in how they say it.

Companies quote their best rates for the type of customer that makes them money. One example of a driver they prefer could be between the ages of 30 and 50, owns a home, and has a short commute. A customer who fits that profile may get the lowest prices and therefore will save a lot of money.

Insureds who don’t qualify for these criteria will have to pay a higher premium which leads to business going elsewhere. If you listen to the ad wording, they say “people who switch” not “all people who quote” can save as much as they claim. That is how insurance companies can make those claims.

That is why drivers must get a wide range of price quotes. It’s just not possible to know with any certainty which company will fit you best based on your risk profile.

Lower-cost auto insurance quotes with discounts

Not too many consumers would say auto insurance is affordable, but there could be significant discounts to help offset the cost. A few discounts will be applied when you get a quote, but once in a while a discount must be asked for prior to receiving the credit. If you’re not getting every credit you qualify for, you are throwing money away.

  • Membership in Organizations – Joining a professional or civic organization is a good way to get lower rates on your next auto insurance statement.
  • Active Service Discounts – Being deployed with a military unit can result in better rates.
  • Student in College – Children who live away from home at college and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Use Seat Belts – Forcing all vehicle occupants to use a seat belt could save 15% off the PIP or medical payment premium.
  • Pay Upfront and Save – By making one initial payment as opposed to paying monthly you could save 5% or more.
  • Paperless Signup – A few larger online companies provide a small discount for signing up over the internet.
  • Homeowners Pay Less – Being a homeowner can save you money because it demonstrates responsibility.

It’s important to note that most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as liability and collision coverage. Just because it seems like you can get free auto insurance, you aren’t that lucky. Any qualifying discounts will definitely reduce your policy cost.

Large auto insurance companies and some of their more popular discounts can be read below.

  • GEICO has savings for good student, defensive driver, daytime running lights, multi-vehicle, and driver training.
  • SAFECO includes discounts for anti-theft, accident prevention training, teen safety rewards, homeowner, drive less, and teen safe driver.
  • State Farm offers premium reductions for multiple autos, Steer Clear safe driver discount, defensive driving training, accident-free, multiple policy, and passive restraint.
  • MetLife offers discounts for multi-policy, good student, good driver, defensive driver, and claim-free.
  • 21st Century may have discounts that include 55 and older, automatic seat belts, defensive driver, early bird, and theft prevention.
  • Progressive has discounts for continuous coverage, good student, multi-policy, homeowner, and online signing.

It’s a good idea to ask every prospective company which discounts they offer. Some of the discounts discussed earlier may not apply to policies in your area. To locate companies that offer some of these discounts, click this link.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage, there really is no perfect coverage plan. Each situation is unique.

For instance, these questions could help you determine if your insurance needs could use an agent’s help.

  • Am I covered when driving on a suspended license?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my custom paint covered by insurance?
  • When should I not file a claim?
  • Exactly who is provided coverage by my policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I have newly-aquired coverage?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage considerations

Having a good grasp of a insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Acura TSX Sport Wagon.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, backing into a parked car, crashing into a ditch, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for surgery, pain medications, X-ray expenses, chiropractic care and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage can cover injuries or damage you cause to other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that translate to $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 which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as loss of income, repair costs for stationary objects, court costs and pain and suffering. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, rock chips in glass, damage from flooding and hail damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Best coverage at the best price

When shopping online for insurance coverage, do not buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to regret they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

Insureds switch companies for many reasons like being labeled a high risk driver, high prices, questionable increases in premium and even policy cancellation. It doesn’t matter what your reason, finding the right insurance coverage provider can be easy and end up saving you some money.

We just showed you many tips how you can lower your 2014 Acura TSX Sport Wagon insurance prices. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even find the biggest savings come from some of the smallest insurance companies.

Additional detailed information can be read at these sites: