2013 Acura TSX Sport Wagon Car Insurance Quotes

Finding low-cost insurance coverage on the internet can seem to be impossible for consumers not familiar with comparison shopping online. With so many choices of companies competing online, how can drivers possibly compare every company to locate the cheapest rates?

Consumers need to compare prices once or twice a year since insurance rates are constantly changing. Even if you think you had the lowest rates on TSX Sport Wagon coverage six months ago there may be better deals available now. So forget anything you know (or think you know) about insurance coverage because you’re going to learn the fastest and easiest way to find better rates and still maintain coverage.

Choosing the best insurance company for you is not that difficult. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this information. But drivers should learn how big insurance companies price insurance differently and take advantage of how the system works.

The quickest method we recommend to compare policy rates is to take advantage of the fact all the major auto insurance companies participate in online systems to compare their rates. To begin a comparison, all you need to do is take a few minutes to give details such as the ages of drivers, whether or not you need a SR-22, if you have a valid license, and an estimate of your credit level. That rating data gets transmitted to multiple companies and they return quotes with very little delay.

Save money by taking advantage of these discounts

Car insurance companies don’t always list every discount very clearly, so here is a list both the well known and the harder-to-find savings tricks you should be using.

  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Student in College – Kids in college who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Low Mileage Discounts – Keeping the miles down on your Acura could qualify for better rates on cars that stay parked.
  • Government Employees – Simply working for the federal government may qualify you for a discount on TSX Sport Wagon coverage with certain companies.

Keep in mind that some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.

Car insurance companies who might offer some of the above discounts include:

Before buying, ask every prospective company how you can save money. Some discounts may not apply in your state.

When should I use an insurance agent?

When choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

These are some specific questions might point out whether you would benefit from professional advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Exactly who is provided coverage by my policy?
  • Do I need more liability coverage?
  • What is roadside assistance coverage?
  • Should I put collision coverage on all my vehicles?
  • What is an SR-22 filing?
  • Should I bundle my homeowners policy with my auto?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form.

Insurance coverages and their meanings

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from getting keyed, theft, a broken windshield and fire damage. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

Collision coverage will pay to fix damage to your TSX Sport Wagon resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, backing into a parked car, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as dental work, rehabilitation expenses, chiropractic care and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers 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

Liability coverages

Liability insurance will cover damage or injury you incur to other people or property. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims like court costs, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.