Compare 2013 Acura TSX Sport Wagon Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 11, 2024

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Want better insurance coverage rates for your Acura TSX Sport Wagon? Getting the lowest price insurance coverage may at first seem to be problematic for people not familiar with shopping for insurance online. With such a large choice of insurers available, how can you even start to compare every one to find the best pricing?

It’s a good habit to compare rates once or twice a year because insurance coverage prices fluctuate regularly. Just because you found the best quotes for TSX Sport Wagon coverage six months ago there is a good chance you can find better rates now. Ignore everything you know about insurance coverage because you’re about to learn one of the easiest ways to properly buy coverages while reducing your premium.

Find hidden discounts on auto insurance

Car insurance companies don’t list all possible discounts very well, so the list below contains some of the more common and the harder-to-find credits available to lower your premiums when you buy auto insurance online.

  • Driving Data Discount – Policyholders that allow data collection to study driving patterns by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they are good drivers.
  • Low Mileage Discounts – Low annual miles can earn better rates on cars that stay parked.
  • Homeowners Discount – Being a homeowner can save you money since owning and maintaining a home means you have a higher level of financial diligence.
  • Life Insurance – If the company offers life insurance, you could get lower prices if you buy some life insurance in addition to your auto policy.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents and qualify for as much as a 10% discount.
  • Bundled Policy Discount – If you can combine your auto and home policy and insure them both with the same insurance company they may give you a discount of approximately 10% to 15%.

Discounts lower rates, but most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A few of the larger companies and some of the discounts can be found below.

  • Progressive may include discounts for continuous coverage, multi-policy, multi-vehicle, online quote discount, good student, homeowner, and online signing.
  • MetLife has savings for accident-free, defensive driver, good student, good driver, and multi-policy.
  • Mercury Insurance policyholders can earn discounts including ease of repair, multi-policy, annual mileage, professional/association, anti-theft, and location of vehicle.
  • Nationwide includes discounts for family plan, anti-theft, defensive driving, business or organization, accident-free, and easy pay.
  • GEICO discounts include multi-policy, military active duty, good student, anti-lock brakes, and anti-theft.
  • AAA offers discounts including education and occupation, multi-policy, good student, AAA membership discount, pay-in-full, and multi-car.

If you need the cheapest auto insurance quotes, ask all the companies how many discounts you can get. Some discounts listed above may not apply to policyholders everywhere.

Tailor your insurance coverage to you

When buying the right insurance coverage, there is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

  • How many claims can I have before being cancelled?
  • When do I need to add a new car to my policy?
  • Is my cargo covered for damage or theft?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I pay less for low miles?
  • Do I need replacement cost coverage?
  • How much liability coverage do I need in my state?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code.

Do you really save 40% when you switch?

Insurance coverage companies such as 21st Century, Allstate and State Farm continually stream ads on television and other media. They all seem to make an identical promise that you’ll save big if you switch your policy. How does every insurance coverage company sell you cheaper insurance coverage?

Companies have a certain “appetite” for the type of driver that will add to their bottom line. For example, a driver they prefer could possibly be a mature driver, has no prior claims, and has excellent credit. Any person that meets those criteria will get a cheap rate quote and is almost guaranteed to pay quite a bit less when switching companies.

People who don’t meet those criteria will have to pay higher rates and this can result in business going elsewhere. The wording the ads use say “customers that switch” but not “all drivers who get quotes” will save that much if they switch. That’s why insurance companies can advertise the way they do.

This emphasizes why you really need to do a quote comparison often. It is impossible to predict which insurance coverage company will give you lower premium rates than your current company.

Insurance coverages 101

Understanding the coverages of a insurance policy can help you determine appropriate coverage for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for EMT expenses, doctor visits, rehabilitation expenses and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2013 Acura TSX Sport Wagon.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are set the same as your liability limits.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, rock chips in glass, hitting a bird and hail damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding 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 pays for things like hitting a mailbox, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for liability

This provides protection from damages or injuries you inflict on a person or their property. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like court costs, bail bonds and emergency aid. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Smart shoppers get results

While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced physical damage coverage and learned later that it was a big mistake. Your strategy should be to buy a smart amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

The cheapest 2013 Acura TSX Sport Wagon insurance can be sourced both online as well as from insurance agents, and you need to comparison shop both to get a complete price analysis. A few companies may not provide online price quotes and these small insurance companies only sell coverage through local independent agencies.

We’ve covered many tips how you can get a better price on 2013 Acura TSX Sport Wagon insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the most savings is with some of the smallest insurance companies.

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