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: Oct 5, 2015

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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Did a good deal turn out to be an expensive insurance coverage policy? It’s quite common and many drivers have buyer’s remorse. Consumers have so many insurance companies to purchase coverage from, and although it’s nice to be able to choose, more options can take longer to compare company pricing.

Smart consumers take time to compare rates as often as possible because rates go up and down regularly. Despite the fact that you may have had the best rate for TSX coverage six months ago you can probably find a lower rate today. Don’t believe everything you read about insurance coverage online, but in just a couple of minutes you can learn some good information on how to put money back in your pocket.

Shopping for cheaper insurance coverage is not that difficult. If you have a policy now or need a new policy, you will benefit by learning to cut your premiums and possibly find even better coverage. Drivers only need an understanding of the best way to get comparison quotes online.

Find hidden discounts on insurance

Some providers don’t always list their entire list of discounts in an easy-to-find place, so here is a list some of the best known and also the lesser-known credits that may apply to you.

  • Discounts for Multiple Vehicles – Buying a policy with several vehicles with the same insurance company can get a discount for every vehicle.
  • Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Senior Citizen Discount – If you’re over the age of 55, you may receive a small discount on rates for TSX coverage.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and earn discounts up to 10%.
  • Federal Government Employee – Active or retired federal employment may qualify for a discount when you quote insurance coverage for TSX coverage with some insurance companies.
  • Passive Restraints – Vehicles with factory air bags could see savings of up to 25% or more.
  • Payment Method – If you can afford to pay the entire bill rather than paying monthly you can avoid the installment charge.
  • Professional Organizations – Being in a qualifying organization can get you a small discount on your next renewal.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new model year vehicles.
  • Accident Free – Claim-free drivers have much lower rates in comparison with frequent claim filers.

Policy discounts save money, but most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like comp or med pay. Even though it appears it’s possible to get free car insurance, companies don’t profit that way.

A list of companies and a selection of discounts are detailed below.

  • State Farm policyholders can earn discounts including good driver, multiple policy, accident-free, defensive driving training, Steer Clear safe driver discount, safe vehicle, and student away at school.
  • Progressive may include discounts for continuous coverage, good student, homeowner, online quote discount, and online signing.
  • Progressive discounts include homeowner, multi-policy, multi-vehicle, online quote discount, online signing, continuous coverage, and good student.
  • MetLife offers discounts including accident-free, claim-free, good student, good driver, and defensive driver.
  • Farm Bureau includes discounts for renewal discount, multi-vehicle, safe driver, driver training, and multi-policy.
  • GEICO has discounts for emergency military deployment, membership and employees, seat belt use, anti-lock brakes, five-year accident-free, and air bags.
  • SAFECO may offer discounts for homeowner, teen safe driver, bundle discounts, anti-lock brakes, and safe driver.

If you are trying to find cheap insurance coverage quotes, ask all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts might not apply in your area. To choose insurers that have a full spectrum of discounts, click this link.

The quickest method we recommend to get policy rate comparisons is to know the fact car insurance companies provide online access to quote your coverage. The only thing you need to do is spend a couple of minutes providing details such as any included safety features, the year, make and model of vehicles, your job, and how much school you completed. That rating data is submitted instantly to many different companies and you should receive rate quotes instantly.

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

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Tailor your car insurance coverage to you

When buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every situation is different and your policy should reflect that. These are some specific questions can aid in determining whether you could use an agent’s help.

  • Are split liability limits better than a combined single limit?
  • Can I get a multi-policy discount?
  • How does medical payments coverage work?
  • What is medical payments coverage?
  • Can I afford low physical damage deductibles?
  • When can I cancel my policy?
  • Should I waive the damage coverage when renting a car?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my custom paint covered by insurance?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Don’t listen to company ads

Drivers can’t avoid all the ads that claim the cheapest prices by State Farm, GEICO and Progressive. All the ads state the claim that drivers can save some big amount if you get a free insurance coverage quote and switch to them.

How do they all charge you less for car insurance? This is the way they can do it.

Insurance companies are able to cherry pick for the type of driver that will generate a profit. One example of a desirable risk may be over the age of 50, owns a home, and does not commute to work. Any person that fits those parameters will get low car insurance rates and as a result will probably save quite a bit of money when switching.

Drivers who fall outside this stringent profile will probably have to pay higher premium rates which leads to the customer not buying. If you pay close attention to the ads, they say “drivers who switch” not “everybody who quotes” save that much. That is how companies can truthfully make those statements.

This really emphasizes why drivers must compare price quotes frequently. It’s just too difficult to predict which company will have the lowest rate quotes.

Coverages available on your insurance policy

Learning about specific coverages of insurance aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Liability insurance

This coverage will cover injuries or damage you cause to other people or property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as repair bills for other people’s vehicles, funeral expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2006 Acura TSX.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision protection

This covers damage to your TSX resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like vandalism, falling objects, rock chips in glass, hitting a bird and hail damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for ambulance fees, dental work and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

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

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Get your money’s worth

Lower-priced 2006 Acura TSX insurance can be sourced from both online companies as well as from insurance agents, so you need to quote insurance coverage with both so you have a total pricing picture. Some car insurance companies do not provide price quotes online and most of the time these smaller providers prefer to sell through local independent agencies.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. In many cases, drivers have reduced liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at the best possible price, not the least amount of coverage.

Additional information is available at the links below