2010 Acura TSX Insurance Rates – 5 Savings Tips

Want lower auto insurance rates for your Acura TSX? Are you a victim of high-priced auto insurance? Trust us, there are a lot of people just like you who feel imprisoned by their auto insurance policy. You have so many insurance companies to choose from, and although it’s nice to have a choice, it can be more difficult to find the lowest cost provider.

You need to price shop coverage every six months because prices change frequently. If you had the best price for TSX coverage two years ago the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about auto insurance because it’s time to teach you one of the quickest ways to find better rates and still maintain coverage.

Finding the best rates is quite easy. If you have car insurance now, you should be able to cut costs considerably using these methods. Vehicle owners just need to understand the most effective way to shop for insurance over the internet.

Finding Auto Insurance Deals

Finding a lower price on 2010 Acura TSX insurance doesn’t have to be difficult. Consumers just need to spend a few minutes to compare rate quotes provided by online insurance companies. This is very easy and can be done in several different ways.

  1. One of the best ways to get quotes is an all-inclusive rate comparison click to view form in new window. This form saves time by eliminating separate quote forms for each company. Filling out one form compares rates from several companies.
  2. Another way to obtain and compare quotes online is to manually visit the website for each individual company and complete a new quote form. For examples sake, we’ll assume you want to compare rates from Allstate, Progressive and GMAC. To find out each rate you need to go to every website to enter your coverage information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

  3. The hardest method of getting rate comparisons is to spend time driving to different agent offices. The internet can eliminate the need for a local agent unless you prefer the trained guidance of a local agent. You can, however, compare the best prices online and get advice from an agent in your area and we’ll touch on that later.

It’s your choice how you get your quotes, but ensure you’re using exactly the same quote information for every quote you compare. If you use different liability limits it’s not possible to make an equal comparison.

Save $445 a year. For real?

Consumers constantly see and hear ads for cheaper car insurance by Allstate and Progressive. All the ads make an identical promise that you can save if you switch to their company.

How do they all claim to save you money? This is how they do it.

Different companies have a preferred profile for the driver that earns them a profit. For example, a profitable customer might be between the ages of 30 and 50, owns a home, and has excellent credit. Any driver who meets those qualifications gets the lowest rates and therefore will save when they switch companies.

Potential customers who do not match the requirements will have to pay a more expensive rate which usually ends up with the customer not buying. The ad wording is “people who switch” not “people who quote” save that much. This is how insurance companies can advertise the savings. Because of the profiling, drivers should get quotes from several different companies. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Lower rates by qualifying for these five discounts

Auto insurance companies don’t necessarily list all available discounts very well, so here is a list both well-publicized and also the lesser-known discounts you could be receiving. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Memberships – Affiliation with a professional or civic organization may earn a discount on your policy for TSX coverage.
  • Defensive Driving Course – Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Safe Drivers – Safe drivers can pay as much as 50% less for TSX coverage than drivers with accidents.

Keep in mind that most discounts do not apply to the entire policy premium. Most only reduce individual premiums such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.

To see a list of insurers offering insurance coverage discounts, click this link.

Car insurance is unique, just like you

When choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help highlight if your situation would benefit from professional advice.

  • When should I remove comp and collision on my 2010 Acura TSX?
  • Are my friends covered when driving my car?
  • Will I lose any money if I cancel my policy before it expires?
  • Does my policy pay for OEM or aftermarket parts?
  • What can I do if my company denied a claim?
  • Are my tools covered if they get stolen from my vehicle?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages and their meanings

Understanding the coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the normal coverages offered by insurance companies.

Uninsured and underinsured coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Acura TSX.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, fire damage, damage from a tornado or hurricane, a broken windshield and rock chips in glass. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

Collision insurance covers damage to your TSX from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as backing into a parked car, hitting a mailbox, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability car insurance

This coverage protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as loss of income, attorney fees, structural damage and court costs. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills for X-ray expenses, EMT expenses and rehabilitation expenses. They are used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

More choices the merrier

Cost effective 2010 Acura TSX insurance can be found online and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at the best price while not skimping on critical coverages.

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