How Much Does 2014 Acura TSX Car Insurance Cost in 2024?

Having to pay for overpriced Acura TSX insurance can dry up your checking account and force you to cut corners elsewhere.

Drivers have multiple insurers to buy insurance from, and even though it’s nice to have a choice, more choices can make it harder to compare rates.

Buying car insurance is not rocket science. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. Although vehicle owners must understand how companies sell online and use this information to your advantage.

Cheap insurance coverage

Most of the larger companies like State Farm, Allstate and GEICO give prices from their websites. Getting online rates is quite simple as you just enter the coverages you want on the page. Once entered, their quoting system requests reports for credit and driving violations and generates a price based on the information you submitted. This streamlines rate comparisons, but the work required to visit a lot of sites and complete many quote forms can get tiresome after awhile. But it’s also necessary to compare as many rates as possible in order to get the lowest price.

A quicker way to lower your rates uses one simple form to return rates from more than one company. It saves time, reduces the work, and makes online shopping much easier. Once the form is submitted, it gets priced and you can select any of the quotes returned. If you find a better price you can click and sign and purchase the new policy. The whole process can be completed in a matter of minutes and could lower your rates considerably.

To find out if lower rates are available, simply enter your zip code here and complete the simple form. If you have your current policy handy, we recommend you duplicate the coverage information as close as possible to your current policy. This ensures you’re receiving a rate comparison for the exact same coverage.

Cheaper rates with these discounts

Some insurers do not advertise all possible discounts very well, so the following is a list of some of the best known and also the lesser-known credits available to bring down your rates. If you are not receiving all the discounts you qualify for, you are just wasting money.

• Home Ownership Discount – Simply owning a home can save a few bucks due to the fact that maintaining a home requires a higher level of personal finance.
• Passive Restraints and Air Bags – Vehicles equipped with air bags may earn rate discounts of 20 to 30 percent.
• Discounts for New Vehicles – Buying insurance on a new vehicle can get you a discount because new model year vehicles keep occupants safer.
• Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more for TSX insurance than drivers with accident claims.
• Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
• Defensive Driver Discount – Taking a defensive driver course could earn you a small percentage discount and make you a better driver.
• Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
• Life Insurance – Larger insurance companies have a discount if you purchase life insurance from them.
• Military Deployment Discount – Being on active duty in the military could trigger a small discount.

Policy discounts save money, but many deductions do not apply to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. So even though you would think you can get free auto insurance, it just doesn’t work that way.

A list of companies and their possible discounts can be found below.

• Farm Bureau may offer discounts for good student, youthful driver, driver training, multi-policy, and 55 and retired.
• State Farm offers premium reductions for multiple autos, passive restraint, safe vehicle, Drive Safe & Save, student away at school, anti-theft, and multiple policy.
• Progressive has savings for online quote discount, good student, multi-policy, multi-vehicle, homeowner, and continuous coverage.
• Allstate offers discounts for farm vehicle, teenSMART discount, resident student, FullPay discount, passive restraint, EZ pay plan discount, and new car.
• Nationwide includes discounts for defensive driving, Farm Bureau membership, accident-free, family plan, anti-theft, good student, and business or organization.
• MetLife policyholders can earn discounts including good student, good driver, multi-policy, accident-free, defensive driver, and claim-free.

When getting a coverage quote, ask all the companies how you can save money. Savings may not apply to policies in your area.

Insurance coverage can be complex

When buying the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. For example, these questions could help you determine whether or not you will benefit from professional help.

• Should I have combined single limit or split liability limits?
• Does medical payments coverage apply to all occupants?
• Do I need medical payments coverage since I have good health insurance?
• Does coverage extend to Mexico or Canada?
• Should I get collision insurance on every vehicle?
• Am I covered if my car is in a flood?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out your zip code.

What determines Acura TSX insurance prices?

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the elements that go into determining the level of your policy premiums. If you understand what controls the rates you pay, this enables informed choices that can earn you lower premium levels.

The following are some of the factors insurance coverage companies consider when setting rates.

• Avoid traffic tickets – Good drivers pay lower auto insurance prices compared to bad drivers. Having a single speeding ticket or other violation can increase the cost of insurance by as much as thirty percent. People who have multiple violations like reckless driving, hit and run or driving under the influence may find that they have to to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
• Annual mileage and car insurance prices – The more you drive your Acura every year the more it will cost to insure it. A lot of insurance companies price each vehicle’s coverage based upon how much you drive. Vehicles left parked in the garage can get a lower rate than vehicles that have high annual mileage. Ask your agent if your insurance coverage policy correctly shows how each vehicle is driven. Having an incorrect usage rating on your TSX can cost quite a bit.
• Consolidate home and auto and save – Most larger insurance coverage companies will award a discount to buyers who carry more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount consumers should still get quotes from other companies to confirm you are receiving the best rates possible.
• If you don’t need it don’t buy it – There are a ton of optional add-on coverages that you can get tricked into buying if you aren’t diligent. Coverages like coverage for rental cars, towing coverage, and additional equipment coverage are probably not needed. They may sound like good ideas at first, but if you don’t need them eliminate the coverages to reduce your premium.

Auto insurance coverage options for an Acura TSX

Understanding the coverages of auto insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from auto insurance companies.

Collision protection

This covers damage to your TSX from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, colliding with a tree, scraping a guard rail, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, vandalism, fire damage and hail damage. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like doctor visits, rehabilitation expenses, ambulance fees, surgery and chiropractic care. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Liability

Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as legal defense fees, loss of income, court costs and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

The best insurance company isn’t always the cheapest

The cheapest 2014 Acura TSX insurance can be bought online and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance coverage companies may not provide online quoting and many times these smaller providers provide coverage only through independent insurance agents.

We just presented a lot of ways to reduce 2014 Acura TSX insurance rates online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding the cheapest insurance coverage. Consumers may even find the biggest savings come from some of the lesser-known companies. Some small companies may have significantly lower car insurance rates on certain market segments than their larger competitors like State Farm and Allstate.

When searching for affordable insurance coverage quotes, it’s not a good idea to reduce needed coverages to save money. In too many instances, consumers will sacrifice collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.