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...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Sep 4, 2018

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I doubt anyone likes having to buy auto insurance, especially knowing they are paying too much. Due to the fact that there are so many different company options, it is very difficult to pick a lower cost company.

It’s a good habit to compare prices before your policy renews since insurance rates are usually higher with each renewal. If you had the lowest rate for TSX insurance a couple years back you may be paying too much now. Forget all the misinformation about auto insurance because you’re about to find out how to quote online to eliminate unnecessary coverages and save money.

Choosing the best insurance company for you is not rocket science. If you have a current auto insurance policy or are shopping for new coverage, you can learn to reduce the price you pay while maintaining coverages. Drivers just need to know the best way to compare prices online.

Discounts for affordable car insurance rates

Auto insurance companies don’t always advertise every available discount very well, so we break down both the well known as well as some of the hidden discounts that may be available.

  • Student in College – Any of your kids who live away from home to go to college and do not have access to a covered vehicle may qualify for this discount.
  • Military Rewards – Being on active deployment in the military could trigger a small discount.
  • Online Discount – Some companies will discount your bill up to fifty bucks just for signing your application online.
  • Discounts for Multiple Vehicles – Having primary and secondary vehicles on a single policy could earn a price break for each car.
  • Braking Control Discount – Anti-lock brake equipped vehicles are much safer to drive so companies give up to a 10% discount.
  • Driving Data Discount – Drivers who agree to allow their insurance company to spy on their driving habits by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as they are good drivers.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn lower prices if you buy a life insurance policy as well.
  • Student Discounts – A discount for being a good student can save 20 to 25%. Most companies allow this discount well after school through age 25.
  • Senior Discount – Seniors may qualify for a slight reduction on a car insurance quote for TSX insurance.

We need to note that some credits don’t apply to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, that’s just not realistic.

Some companies that may have most of the discounts above are:

Check with each company which discounts you may be entitled to. Depending on the company, some discounts may not be available in your area. To view car insurance companies that can offer you the previously mentioned discounts, click here to view.

Enter your zip code below to view companies that have cheap auto insurance rates.

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How to compare insurance coverage quotes

Getting a cheaper price on 2004 Acura TSX insurance is actually quite simple. Just invest a little time to get quotes to find the company with cheaper car insurance quotes. This is very easy and can be done in several different ways.

  1. If you’re in a hurry, the quickest way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This method saves time by eliminating multiple quote forms to each individual insurance coverage company. In just a few minutes this one form compares rates instantly.
  2. A more difficult way to obtain and compare quotes online requires a trip to the website of each company and complete a new quote form. For examples sake, let’s say you need rates from Progressive, GEICO and Farmers. You would need to go to each individual site and type in your information over and over, which is not fast way to get rate quotes.

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

Whichever way you choose to compare rates, be sure to compare the same coverage data with every price quote. If each company quotes different deductibles you can’t possibly determine which rate is truly the best.

You can change your insurance prices

When buying car insurance it’s important to understand a few of the rating criteria that help determine the price you pay for car insurance. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that could result in better car insurance rates.

Shown below are some of the most common factors utilized by car insurance companies to help set your rates.

  • Do safer cars cost less to insure? – Cars with high safety ratings are cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and any reduction in injury severity translates directly to fewer claims and lower rates for you. If the Acura TSX earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Traffic violations inflate prices – Good drivers get better prices than people who have multiple driving citations. Even a single ticket can increase the cost of insurance substantially. Drivers who get license-revoking citations like DWI, reckless driving or hit and run convictions may find they need to prove financial responsibility with their state DMV in order to legally drive a vehicle.
  • Only buy what you need – There are a lot of extra bells and whistles that can add up when buying car insurance. Coverages for coverage for rental cars, towing coverage, and Farm Bureau memberships may be wasting your money. The coverages may be enticing when buying your policy, but if you’ve never needed them in the past remove them and pocket the money.
  • Liability protection risk factors in – Liability coverage will afford coverage in the event that you are determined to be liable for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.

  • Where can I find high-risk insurance?
  • How much liability do I need to cover my assets?
  • Are my friends covered when driving my 2004 Acura TSX?
  • How do I file an SR-22 for a DUI in my state?
  • I don’t drive much so do I pay less?
  • Why am I required to buy liability insurance?
  • Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Car insurance coverages for an Acura TSX

Having a good grasp of insurance can help you determine which coverages you need for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring. These are typical coverages found on the average insurance policy.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like hospital visits, surgery and rehabilitation expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage protection

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

Collision coverage protects against claims such as crashing into a ditch, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.


Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like court costs, legal defense fees, medical expenses, funeral expenses and emergency aid. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, fire damage, theft and hail damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Acura TSX.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Cheaper insurance is a realistic goal

Throughout this article, we presented some good ideas how to save on 2004 Acura TSX insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding low cost car insurance. Consumers could even find that the lowest premium rates come from a small mutual company. These smaller insurers may only write in your state and offer lower prices compared to the large companies like State Farm, GEICO and Nationwide.

Budget-friendly auto insurance is definitely available online in addition to local insurance agencies, and you should compare rates from both to have the best selection. A few companies may not provide price quotes online and usually these regional insurance providers provide coverage only through independent agents.

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