Cheapest 2004 Acura TSX Insurance Rates in 2023
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UPDATED: Nov 17, 2021
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Trying to find better insurance coverage rates for your Acura TSX? Searching for better insurance prices for your Acura TSX can normally be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the proper way to get price quotes on a Acura and find the lowest possible price.
Do you qualify for a discount?
Auto insurance companies do not list all their discounts in an easy-to-find place, so we break down both well-publicized and the more hidden insurance coverage savings. If they aren’t giving you every credit available, you’re just leaving money on the table.
- Drivers Education – Require your teen driver to complete a driver education course if offered at their school.
- Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
- Anti-theft System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
- Senior Citizens – If you’re over the age of 55, you may receive reduced rates on TSX coverage.
- No Claims – Claim-free drivers can earn big discounts compared to frequent claim filers.
- Military Discounts – Having a deployed family member could mean lower rates.
As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky.
Companies that may have these discounts may include but are not limited to:
- American Family
- Farm Bureau
- State Farm
- The Hartford
Double check with each company what discounts are available to you. Savings might not be offered in your area.
Automobile Insurance Quotes
Reducing your 2004 Acura TSX insurance rates is a fairly straight forward process. Consumers just need to invest a little time getting comparison quotes from different insurance companies. This can be done using a couple different methods.
The easiest and least time consuming way to find low rates is to use a rate comparison form (click to open form in new window). This type of form saves time by eliminating repetitive form entry to each individual auto insurance company. Just one form gets you coverage quotes from several companies. Just one form and you’re done.
A less efficient way to obtain and compare quotes online is to take the time to go to the website for each individual company and request a quote. For sake of this example, we’ll pretend you want to compare rates from Nationwide, State Farm and Liberty Mutual. You would have to visit each site to enter your coverage information, and that’s why the first method is more popular.
To view a list of companies in your area, click here.
The least recommended method of getting rate comparisons is to drive around to insurance agents’ offices. Buying insurance online can eliminate the need for a local agent unless you prefer the personal advice of a licensed agent. Drivers can get the lowest quotes online but still have the advice of a local agent and we’ll talk about that later.
It doesn’t matter which method you choose, just make darn sure you compare exactly the same information for every quote you compare. If your comparisons have different deductibles it will be impossible to make a fair comparison for your Acura TSX.
What coverages do I need?
When it comes to choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.
For example, these questions can aid in determining whether you might need professional guidance.
- Can I drive in Mexico and have coverage?
- Should I put collision coverage on all my vehicles?
- What can I do if my company denied a claim?
- How does medical payments coverage work?
- I don’t drive much so do I pay less?
- If I drive on a suspended license am I covered?
- Is upholstery damage covered by car insurance?
If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.
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Insurance coverage options for a 2004 Acura TSX
Learning about specific coverages of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.
Collision insurance will pay to fix damage to your TSX resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as damaging your car on a curb, sustaining damage from a pot hole, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.
Liability auto insurance
This can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.
Liability can pay for things such as loss of income, emergency aid, structural damage and funeral expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.
Medical expense insurance
Medical payments and Personal Injury Protection insurance pay for bills for things like pain medications, dental work, X-ray expenses, surgery and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Acura TSX.
Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive (Other than Collision)
This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as falling objects, fire damage, hitting a deer and damage from flooding. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
In the end, you save
People switch companies for any number of reasons including unfair underwriting practices, an unsatisfactory settlement offer, poor customer service or delays in paying claims. It doesn’t matter why you want to switch choosing a new insurance company is not as hard as you think.
We’ve covered some good ideas how to compare 2004 Acura TSX insurance prices online. The key concept to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the most savings is with a small mutual company.
Low-cost insurance is definitely available both online as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies don’t offer online quoting and most of the time these small insurance companies sell through independent agents.
For more information, feel free to browse the following helpful articles:
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
- Car Insurance: When not to Skimp (BankRate.com)
- Teen Driver Statistics (Insurance Information Insitute)
- What is Gap Insurance? (Insurance Information Insitute)
- Insurance Losses by Make and Model (iihs.org)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
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