2014 Acura TSX Sport Wagon Car Insurance Rates – 10 Discounts for Best Quotes

Consumers not familiar with buying insurance online can find purchasing cheap car insurance to be a formidable task.

If you are paying for car insurance now, you will most likely be able to save some money using these methods. This article will teach you the most effective way to quote insurance and some tricks to saving. Although consumers must learn how big insurance companies determine prices and apply this information to your search.

Don’t overlook these ten discounts

Properly insuring your vehicles can get expensive, but you may find discounts to help offset the cost. Some discounts apply automatically when you purchase, but lesser-known reductions have to be manually applied before being credited.

  • Accident Forgiveness – A handful of insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Organization Discounts – Participating in a qualifying organization is a good way to get lower rates when shopping for auto insurance for TSX Sport Wagon insurance.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you may earn approximately 10% to 15%.
  • No Accidents – Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.
  • Student in College – Youth drivers who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.

As a disclaimer on discounts, most credits do not apply the the whole policy. Some only reduce specific coverage prices like comp or med pay. Just because it seems like you can get free auto insurance, it just doesn’t work that way. But all discounts will reduce your overall premium however.

To see a list of providers offering auto insurance discounts, click here to view.

How to Compare Car Insurance Rates

There are multiple methods to shop for 2014 Acura TSX Sport Wagon car insurance, but some are less labor-intensive and much quicker. You can waste hours discussing policy coverages with insurance companies in your area, or you could save time and use the internet to get prices fast.

Many insurance companies belong to a marketplace where insurance shoppers send in one quote, and each participating company returns a rated price based on the submitted data. This system prevents you from having to do form submissions for each company.

To participate in this free quote system, click here to start a free quote.

One minor caviat to getting quotes like this is buyers cannot specifically choose the insurers you will receive quotes from. If you would rather choose specific insurance companies to receive pricing from, we have a listing of companies who write car insurance in your area. Click to view list.

Whichever way you use, make darn sure you compare apples-to-apples information for every quote you compare. If you use differing limits it will be impossible to make a fair comparison for your Acura TSX Sport Wagon. Slightly different insurance coverages could mean much higher rates. And when comparison shopping, comparing a large number of companies gives you a better chance of getting the best rates.

Is my situation unique?

When buying coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions can help discover whether or not you would benefit from an agent’s advice.

  • Can my teen drive my company car?
  • Is my babysitter covered when using my vehicle?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my dog or cat covered if injured in an accident?
  • When should I not file a claim?
  • Does my car insurance cover rental cars?
  • Do I need roadside assistance coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form.

Buyer beware of insurance coverage advertising tricks

21st Century, Allstate and State Farm regularly use ads in print and on television. All the companies make an identical promise about savings if you move your policy. How does each company make almost identical claims?

All companies have a preferred profile for the type of customer that earns them a profit. A good example of a profitable customer could possibly be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. Any driver who meets those qualifications will get very good rates and most likely will cut their rates substantially.

Consumers who fall outside the requirements must pay higher rates and ends up with the driver buying from a lower-cost company. The ads say “people who switch” not “everybody who quotes” save that kind of money. That is how companies can make the claims of big savings.

This illustrates why it’s extremely important to quote coverage with many companies. It’s just too difficult to predict the company that will fit your personal profile best.

Auto insurance 101

Having a good grasp of insurance can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Liability – This will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as medical expenses, pain and suffering, legal defense fees and loss of income. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses for prosthetic devices, nursing services, doctor visits, EMT expenses and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverages – Collision insurance pays for damage to your TSX Sport Wagon from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as rolling your car, crashing into a building, backing into a parked car, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverages – This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, hitting a deer and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Be a penny pincher

We just presented many tips how you can shop for 2014 Acura TSX Sport Wagon insurance online. It’s most important to understand that the more times you quote, the better your comparison will be. You may be surprised to find that the best prices are with some of the lesser-known companies.

Insureds leave their current company for a variety of reasons including lack of trust in their agent, high prices, high rates after DUI convictions or policy cancellation. Whatever your reason, finding a new company is not as hard as you think.

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped collision coverage and discovered at claim time that the savings was not a smart move. Your goal should be to buy the best coverage you can find at the best price while still protecting your assets.

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