Cheap 2005 Acura TSX Car Insurance Rates

Searching for the cheapest car insurance rates for your Acura TSX? Are you sick and tired of trying to scrape together enough money to buy car insurance? You are no different than millions of other consumers. Big companies like Allstate and Progressive all claim big savings, bombarding you with fancy advertisements and it is challenging if not impossible to ignore the flashy ads and take the time to shop coverage around.

Fast and Easy Insurance Coverage Quotes

There are a lot of ways to shop for insurance coverage, and some are less time-consuming than others. You can spend your afternoon talking to agents in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

All the larger companies belong to an insurance system that allows shoppers to enter their coverage request one time, and each company then returns a price quote based on that information. This system prevents you from having to do quote requests to each individual insurance coverage company.

To participate in this free quote system, click to open in new window.

The only downside to comparing rates this way is you are unable to specify the insurers you want pricing from. So if you prefer to pick individual companies to compare prices, we put together a list of low cost insurance coverage companies in your area. Click to view list.

Whichever method you choose, double check that you are using the exact same coverage information for each comparison quote. If you are comparing mixed coverages then you won’t be able to determine the lowest rate for your Acura TSX.

Do you qualify for a discount?

Companies do not advertise every discount very well, so we break down some of the best known and the harder-to-find savings tricks you should be using. If you don’t get every credit you qualify for, you are throwing money away.

  • Homeowners Savings – Owning a home can save you money because of the fact that having a home demonstrates responsibility.
  • Safe Drivers – Drivers who avoid accidents may save up to 50% more on TSX coverage than their less cautious counterparts.
  • Use Seat Belts – Requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Accident Free – Drivers who don’t have accidents pay much less when compared with accident-prone drivers.
  • College Student – Any of your kids who are attending college and don’t have a car may be able to be covered for less.
  • Drive Less and Save – Low mileage vehicles could qualify for a substantially lower rate.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on TSX coverage with certain companies.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company qualifies for this discount.
  • Accident Waiver – Some insurance companies allow you one accident before your rates go up as long as you don’t have any claims prior to the accident.

It’s important to understand that some of the credits will not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way.

Car insurance companies that possibly offer these discounts include:

It’s a good idea to ask all companies you are considering how you can save money. Discounts might not apply in every state.

What coverages do I need?

When it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Every situation is different and your policy should reflect that. For instance, these questions might point out whether or not you might need an agent’s assistance.

  • What is medical payments coverage?
  • Should I buy only the required minimum liability coverage?
  • Is my dog or cat covered if injured in an accident?
  • Am I getting all the discounts available?
  • When do I need to add a new car to my policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does car insurance cover theft of personal property?
  • What is an SR-22 filing?
  • Should I carry comprehensive and collision coverage?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.

Insurance coverages 101

Understanding the coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, damage from getting keyed, a tree branch falling on your vehicle and fire damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

This coverage will pay to fix damage to your TSX from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, crashing into a building, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Liability

This will cover damages or injuries you inflict on a person or their property. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as bail bonds, loss of income and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for immediate expenses like rehabilitation expenses, X-ray expenses and ambulance fees. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Buy online or local, you save

Lower-priced 2005 Acura TSX insurance can be sourced on the web in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

When buying insurance coverage, you should never reduce needed coverages to save money. There are a lot of situations where someone sacrificed liability coverage limits only to find out that it was a big error on their part. The proper strategy is to purchase plenty of coverage at the best price.

Even more information can be found in the articles below: