2012 Acura TSX Sport Wagon Insurance Cost in 2024

Want better auto insurance rates? Drivers have options when trying to find low-cost Acura TSX Sport Wagon insurance. They can either waste time struggling with agents trying to get quotes or leverage the internet to get rate quotes. There is a right way and a wrong way to buy auto insurance and you need to know the best way to get price quotes for a Acura and get the best price possible.

How to buy car insurance

Most major insurance companies allow you to get pricing on their websites. Comparing rates online doesn’t take much effort as all you need to do is type in your coverage preferences as detailed in the form. When the form is submitted, the quote system gets credit information and your driving record and returns pricing information based on the data you entered.

This makes it a lot easier to compare rates but the time it takes to visit a lot of sites and type in the same data can be a bit repetitive. But it’s very important to have as many quotes as possible if you are searching for a lower rate.

The smarter way to compare car insurance pricing uses one simple form that obtains quotes from many companies. It’s a real time-saver, requires much less work on your part, and makes online shopping a lot less work. After sending your information, it gets priced and you are able to buy any one of the resulting price quotes. If a lower price is quoted, you can simply submit the application and purchase the new policy. It takes just a few minutes to complete and you will find out if you’re overpaying now.

If you want to find out how much you’re overpaying now, simply enter your zip code here and enter your information. If you have a policy now, it’s recommended you complete the form with the insurance coverages exactly as they are listed on your policy. Doing this guarantees you are getting rate comparison quotes based on identical coverages.

Five tips to get cheaper insurance premiums

Many things are part of the calculation when quoting car insurance. Most are fairly basic like an MVR report, but others are more obscure like your vehicle usage or your financial responsibility. Part of the auto insurance buying process is learning the factors that go into determining the level of your policy premiums. When consumers understand what impacts premium levels, this allows you to make educated decisions that could result in better auto insurance rates.

The itemized list below are just a few of the factors that factor into your premiums.

• Insure your auto and home with one company – Many auto insurance companies apply lower prices for people that have more than one policy, otherwise known as a multi-policy discount. Even with this discount, you may still want to check prices from other companies to make sure you are getting the best deal.
• Physical damage deductibles – Your deductibles are how much you are required to spend out-of-pocket in the event of a claim. Physical damage coverage, aka comp and collision, protects your car from damage. A few examples of covered claims could be collision with another vehicle, damage from fire, or theft of your vehicle. The more you’re willing to pay, the less your company will charge you for insurance on TSX Sport Wagon insurance.
• Save money by having responsible credit – Credit history will be a significant factor in determining what you pay for auto insurance. If your credit score could use some work, you could pay less to insure your 2012 Acura TSX Sport Wagon if you clean up your credit. People that have excellent credit scores tend to be less risk to insure as compared to drivers with lower ratings.
• The more you drive the more you pay – Driving more miles in a year the more you’ll pay to insure your vehicle. Most insurance companies charge rates based upon how much you drive. Vehicles left parked in the garage can get a lower rate than those used for commuting. It’s always a good idea to double check that your policy correctly shows the right rating data. Having the wrong rating on your TSX Sport Wagon may be costing you higher rates.
• Do you work long hours in a stressful employer? – Did you know your career choice can influence rates? Careers such as lawyers, architects and accountants tend to pay the highest average rates in part from intense work situations and long work days. On the other hand, occupations like farmers, athletes and retirees generally pay rates lower than average on TSX Sport Wagon insurance.

Take policy discounts and save

Some providers don’t always list all their discounts very well, so below is a list some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates. If you’re not getting every credit possible, you may be paying too high a price.

• No Claim Discounts – Drivers who stay claim-free pay much less as opposed to drivers with a long claim history.
• New Vehicle Savings – Insuring a new car may earn a small discount because newer vehicles keep occupants safer.
• Accident Waiver – Not a discount per se, but some companies like GEICO, State Farm, and Progressive will forgive one accident before hitting you with a surcharge if your claims history is clear before the accident.
• Discounts for Good Drivers – Drivers who avoid accidents may receive a discount up to 45% on TSX Sport Wagon insurance than drivers with accident claims.
• Senior Citizen Rates – Drivers that qualify as senior citizens may receive a discount up to 10% on TSX Sport Wagon insurance.
• Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
• Discounts for Seat Belt Usage – Requiring all passengers to buckle up could cut 10% or more off the personal injury premium cost.
• Life Insurance – Insurance coverage companies who offer life insurance give a discounted premium rate on car insurance if you buy auto and life insurance together.
• Discount for Home Ownership – Being a homeowner may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.

A little disclaimer on discounts, most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, nobody gets a free ride.

Insurance companies that possibly offer most of these discounts may include but are not limited to:

• State Farm
• American Family
• GEICO
• 21st Century
• Progressive

Check with each company how many discounts you can get. All car insurance discounts may not apply to policies in your area.

Which policy gives me the best coverage?

When choosing coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

For example, these questions can aid in determining whether you would benefit from an agent’s advice.

• How high should my uninsured/underinsured coverage be in my state?
• Will my rates increase for filing one claim?
• Does my insurance cover damage caused when ticketed for reckless driving?
• How much can I save by bundling my policies?
• What if I owe more than I can insure my car for?
• Can I rent a car in Mexico?
• Is business property covered if stolen from my car?
• How can I get my company to pay me more for my totalled car?
• What is PIP insurance?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete your zip code. It is quick, free and can provide invaluable advice.

Specific coverage details

Understanding the coverages of a insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision insurance

Collision insurance covers damage to your TSX Sport Wagon resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, colliding with another moving vehicle, scraping a guard rail, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive protection

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, hail damage and vandalism. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance

Liability coverage protects you from damage that occurs to people or other property in an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things such as repair costs for stationary objects, loss of income and funeral expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as doctor visits, X-ray expenses, hospital visits, EMT expenses and nursing services. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Acura TSX Sport Wagon.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

The bottom line

We’ve covered a lot of techniques to reduce 2012 Acura TSX Sport Wagon insurance prices online. The key concept to understand is the more quotes you get, the better your comparison will be. You may even find the most savings is with an unexpected company.

People who switch companies do it for many reasons like lack of trust in their agent, unfair underwriting practices, poor customer service or even being labeled a high risk driver. It doesn’t matter why you want to switch finding a new car insurance company is less work than it seems.

As you quote insurance coverage, make sure you don’t reduce needed coverages to save money. In many instances, an insured dropped comprehensive coverage or liability limits only to regret that it was a big mistake. The aim is to purchase a proper amount of coverage at the best price, but do not skimp to save money.