Cheapest 2009 Acura TSX Insurance Rates in 2024

Finding cheaper insurance for your Acura TSX can normally be an all-consuming task, but you can use our auto insurance buying tips to save time.

There is a better way to shop for auto insurance and we’ll show you the quickest way to quote coverages for your Acura and find the cheapest rates from local insurance agents and online providers.

It’s important to compare prices quite often due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the best rates for TSX insurance a few years ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re about to learn the right way to reduce your cost while improving coverage.

Save big with these six discounts

Car insurance is not cheap, but there are discounts available that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be specially asked for before you will receive the discount. If they aren’t giving you every credit available, you are paying more than you should be.

• Club Memberships – Being a member of certain professional organizations may earn a discount on your policy for TSX insurance.
• Military Rewards – Having a family member in the military could mean lower rates.
• Payment Discounts – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
• Discount for New Cars – Adding a new car to your policy can save up to 30% since new cars are generally safer.
• Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
• Driver Safety – Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.

Drivers should understand that most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, insurance coverage companies aren’t that generous. Any amount of discount will reduce your overall premium however.

Car insurance companies that possibly offer these discounts may include but are not limited to:

• State Farm
• Nationwide
• GEICO
• AAA
• 21st Century
• The Hartford

Check with each company what discounts are available to you. All car insurance discounts might not apply in your area.

Quick Car Insurance Quotes

Effectively comparing car insurance prices can be challenging if you don’t utilize the most efficient way to do it. You could waste a few hours talking to insurance agencies in your area, or you could save time and use online quoting to get pricing more quickly.

Many companies belong to an insurance system where prospective buyers submit their information once, and at least one company returns a competitive quote for coverage. This saves time by eliminating quote requests for every car insurance company.

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

The single downside to pricing coverage this way is that you can’t choose which insurance companies to get quotes from. If you wish to select individual companies to request quotes from, we put together a list of companies who write car insurance in your area. View list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using the exact same coverages and limits with each company. If you have unequal deductibles or liability limits it will be next to impossible to determine the lowest rate for your Acura TSX.

But I don’t know anything about car insurance

When it comes to choosing the best auto insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

• How much liability do I need to cover my assets?
• Am I covered when driving on a suspended license?
• Can I rent a car in Mexico?
• Is my state a no-fault state?
• How can I get high-risk coverage after a DUI?
• Do I need motor club coverage?
• Do I benefit by insuring my home with the same company?
• Does coverage extend to Mexico or Canada?
• How can I get my company to pay me more for my totalled car?
• Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Can you really save that much by switching?

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim of big savings if you change your coverage to them.

How does each company claim to save you money?

Different companies can use profiling for the right customer that earns them a profit. An example of a desirable insured might be a mature driver, a clean driving record, and drives newer vehicles. A customer who matches those parameters gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who are not a match for the requirements will be quoted higher premiums and this can result in business going elsewhere. The ads state “drivers who switch” not “people who quote” save money. This is how companies can truthfully advertise the savings.

This emphasizes why it is so important to get a wide range of price quotes. You cannot predict which company will provide you with the cheapest Acura TSX insurance rates.

Car insurance coverage information

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as loss of income, medical expenses, pain and suffering, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hail damage, damage from a tornado or hurricane and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

Collision insurance covers damage to your TSX caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as sideswiping another vehicle, backing into a parked car, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Acura TSX.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.

Insurance for medical payments

Med pay and PIP coverage reimburse you for immediate expenses like hospital visits, prosthetic devices, dental work and nursing services. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Saving money is sweet as honey

Lower-priced 2009 Acura TSX insurance is available online and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some insurance coverage companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where an insured cut comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. Your strategy should be to buy the best coverage you can find at the best price, not the least amount of coverage.

Throughout this article, we presented some good ideas how to save on insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the best price on insurance coverage is with an unexpected company.

Helpful resources

• Choosing an Insurance Company (Insurance Information Institute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Distracted Driving Statistics (Insurance Information Institute)
• Cellphones, Texting and Driving (iihs.org)
• Older Driver Statistics (Insurance Information Institute)

Use our FREE quote tool to compare rates now!