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: Dec 2, 2018

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Drivers have lots of choices when trying to find the lowest priced Acura TSX insurance. You can either waste hours contacting agents trying to get quotes or save time using the internet to make rate comparisons.

There are both good and bad ways to find auto insurance online and you need to know the quickest way to quote coverages for a new or used Acura and locate the cheapest rates either online or from local insurance agents.

It is always a good idea to compare rates on a regular basis since prices change quite often. Just because you had the best deal for TSX coverage last year the chances are good that you can find a lower premium rate today. There are lots of tips to save on auto insurance online, but we’re going to give you some good information on how to save money.

This information will tell you how car insurance quotes work. If you have car insurance now, you will most likely be able to cut costs considerably using these tips. Drivers just need to understand the tricks to compare rates online.

How to buy car insurance online

There are a lot of ways you can shop for car insurance but there is one way that is less labor-intensive and much quicker. You can spend countless hours talking to insurance agencies in your area, or you could save time and use online quotes to quickly compare rates.

Most major companies belong to a marketplace that enables customers to only type in their quote data once, and each participating company can give them a price based on that data. This eliminates the need for repetitive form submissions to each company.

To compare rates using this form now click here to open in new window.

One minor caviat to pricing coverage this way is that consumers can’t choose the providers you will receive quotes from. If you would rather choose from a list of companies to compare, we have a listing of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just be sure you’re using nearly identical deductibles and coverage limits for each quote you get. If your comparisons have different deductibles it will be very difficult to determine the best price for your Acura TSX.

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

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These discounts can lower your car insurance quotes

Not many people think insurance is cheap, but you may find discounts to help offset the cost. Some discounts apply automatically at quote time, but occassionally some discounts must be specially asked for before they will apply. If you don’t get every credit available, it’s possible you qualify for a lower rate.

  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than spreading payments over time you can actually save on your bill.
  • Safety Course Discount – Participating in a class that teaches safe driver techniques can save you 5% or more and easily pay for the cost of the class.
  • Multiple Policy Discount – If you can combine your home and auto policy and insure them with the same company you may save approximately 10% to 15%.
  • Data Collection Discounts – Insureds that choose to allow their company to spy on driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if their driving habits are good.
  • Savings for New Vehicles – Insuring a new car can be considerably cheaper because newer vehicles are generally safer.
  • Low Mileage Discounts – Keeping the miles down on your Acura could earn better premium rates on cars that stay parked.

Remember that many deductions do not apply to the entire cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, it doesn’t quite work that way.

A few companies that may include most of these discounts may include but are not limited to:

When getting a coverage quote, ask every prospective company how many discounts you can get. Some discounts may not apply in every state. To see providers with discount rates, click here to view.

Different people need different insurance coverages

When it comes to choosing coverage, there isn’t really a “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that might help in determining if your situation would benefit from an agent’s advice.

  • Is my teen driver covered when they drive my company car?
  • Should I buy additional glass protection?
  • Do I really need UM/UIM coverage?
  • What if I owe more than I can insure my car for?
  • Do I need more liability coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • When does my teenage driver need to be added to my policy?
  • Why does it cost so much to insure a teen driver?
  • Are rental cars covered under my policy?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Insurance policy coverages for a 2005 Acura TSX

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, vandalism and hitting a bird. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Collision coverage – Collision coverage pays for damage to your TSX resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, crashing into a ditch, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Coverage for liability – Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as emergency aid, bail bonds, medical services, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for expenses like pain medications, EMT expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible