How Much Does 2011 Acura TSX Sport Wagon Insurance Cost in 2024?

Trying to find low-cost insurance for an Acura TSX Sport Wagon can be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to shop for insurance and you need to know the quickest way to compare rates on a Acura and obtain the lowest possible price.

How much is car insurance?

Performing a rate comparison can be challenging if you don’t understand the most efficient way. You can waste a lot of time driving to insurance companies in your area, or you can stay home and use the internet to maximize your effort.

Most of the best insurance companies participate in an industry program that enables customers to only type in their quote data once, and each participating company can give them a price determined by their information. This prevents consumers from doing repetitive form submissions for each company. To compare rates using this form now enter your zip code here.

The one downside to comparing rates this way is you cannot specify which carriers to get quotes from. If you would rather choose from a list of companies for rate comparison, we have a listing of car insurance companies in your area. Click to enter zip code for insurance companies.

The approach you take is up to you, just make absolute certain that you use the same information on every quote. If you compare higher or lower deductibles you can’t possibly determine which rate is truly the best.

Discounts to earn lower-cost insurance coverage rates

Car insurance companies don’t always advertise every possible discount very well, so the below list has both well-publicized and also the lesser-known discounts that you can inquire about if you buy insurance online.

• Anti-theft Discount – Vehicles that have factory anti-theft systems are stolen less frequently and will qualify for a discount on a insurance quote.
• Employee of Federal Government – Active or retired federal employment may qualify for a discount when you quote insurance on TSX Sport Wagon insurance with some insurance coverage companies.
• Professional Organizations – Being in a professional or civic organization is a good way to get lower rates on insurance coverage.
• Student in College – who live away from home at college without a vehicle on campus could get you a discount.
• Senior Citizen Discount – Drivers over the age of 55 may be able to get a slight reduction on a insurance quote on TSX Sport Wagon insurance.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save a little on the premium charged for medical payments and/or PIP.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if offered at their school.

Don’t be surprised that many deductions do not apply to the whole policy. Most only cut the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky.

A few of the larger companies and their offered discounts can be read below.

• Progressive includes discounts for continuous coverage, homeowner, online quote discount, multi-vehicle, and multi-policy.
• AAA discounts include good driver, anti-theft, education and occupation, multi-policy, and pay-in-full.
• Farmers Insurance may have discounts that include good student, pay in full, homeowner, teen driver, and bundle discounts.
• GEICO has discounts for air bags, daytime running lights, five-year accident-free, multi-vehicle, emergency military deployment, anti-lock brakes, and military active duty.
• Esurance policyholders can earn discounts including emergency road assistance, safety device, online quote, DriveSense, good student, good driver, and renters.
• SAFECO may offer discounts for bundle discounts, homeowner, anti-theft, drive less, and teen safe driver.
• State Farm offers discounts including multiple autos, passive restraint, good driver, Drive Safe & Save, driver’s education, and student away at school.

It’s a good idea to ask each company or agent which discounts they offer. Some discounts may not be offered in your area. To see insurers with significant discounts, enter your zip code here.

How car insurance companies calculate Acura TSX Sport Wagon insurance prices

Multiple criteria are part of the calculation when you get your auto insurance bill. Some are obvious such as traffic violations, although some other factors are not quite as obvious like your continuous coverage or how safe your car is.

The itemized list below are a few of the things companies use to determine your premiums.

• Alarm systems save money – Choosing to buy a car with an alarm system can earn a premium discount. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
• Insure car and home with the same company – Lots of insurers provide lower prices to customers who carry more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, you may still want to shop around to help guarantee you have the best rates. You may still be able to save money by buying insurance from more than one company.
• Credit rating impacts prices – Having a bad credit score is a large factor in determining what you pay. Therefore, if your credit history is not that good, you could be paying less to insure your 2011 Acura TSX Sport Wagon if you clean up your credit. Insureds that have very good credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit.
• Marriage discount – Having a spouse may earn you lower rates on your insurance coverage policy. Having a significant other usually means you are less irresponsible and it’s statistically proven that married couples file fewer claims.
• Don’t skimp on liability insurance – Liability coverage will protect you if ever a jury decides you are liable for an accident. It provides legal defense coverage which can cost thousands of dollars. It is affordable coverage compared to comp and collision, so do not cut corners here.
• Raise comp and collision deductibles and save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Some coverage claims are a broken windshield, vandalism, and having your car stolen. Physical damage deductibles are the amount of money you are willing to pay if a claim is determined to be covered. The more you have to pay, the less your company will charge you for insurance on TSX Sport Wagon insurance.
• Vehicles with better crash test results are cheaper to insure – Cars with high safety ratings cost less to insure. Vehicles built for safety reduce occupant injuries and better occupant protection means lower claim amounts passed on to you as lower rates.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage, there really is not a “best” method to buy coverage. Each situation is unique.

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

• Do I have coverage if my license is suspended?
• What is the minimum liability in my state?
• At what point should I drop full coverage?
• Do I need PIP coverage since I have good health insurance?
• What can I do if my company won’t pay a claim?
• Are my friends covered when driving my car?
• Is my camper covered by my car insurance policy?
• What are the financial responsibility laws in my state?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and enter your zip code. It only takes a few minutes and can provide invaluable advice.

Insurance coverages explained

Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as dental work, prosthetic devices, doctor visits, X-ray expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive insurance

This pays for 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 coverage protects against things such as vandalism, rock chips in glass and falling objects. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage

This coverage pays for damage to your TSX Sport Wagon resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Coverage for liability

This coverage provides protection from injuries or damage you cause to people or other property. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like medical expenses, attorney fees, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Don’t break the bank

We’ve covered quite a bit of information on how to lower your 2011 Acura TSX Sport Wagon insurance rates. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest priced auto insurance comes from some of the smallest insurance companies.

Drivers leave their current company for a variety of reasons including policy non-renewal, an unsatisfactory settlement offer, delays in paying claims or even delays in responding to claim requests. Whatever your reason, choosing a new insurance company can be easier than you think.

Cheaper 2011 Acura TSX Sport Wagon insurance can be bought from both online companies and with local insurance agents, so you should compare both to have the best selection. Some companies do not provide online price quotes and usually these regional carriers only sell coverage through independent agencies.