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: May 24, 2018

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Wish you could get out of an expensive insurance policy? Don’t feel bad because there are lots of residents who feel the same.

Drivers have multiple insurance companies to pick from, and though it is a good thing to have a selection, more choices can make it harder to find a good deal.

Buying car insurance is quite easy. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these tips. But consumers must comprehend the way insurance companies compete online and use this information to your advantage.

The best way we recommend to compare rate quotes is to know the trick most of the larger companies allow for online access to provide you with a free rate quote. The one thing you need to do is provide a little information like if you lease or own, driver details, the type of vehicles you drive, and how much you drive. Your rating data is automatically sent to multiple insurance providers and you should receive rate quotes with very little delay.

Auto insurance buyers beware

Auto insurance providers like Progressive, Allstate and GEICO regularly use ads on television and other media. They all seem to advertise claims that you can save if you switch your coverage. Is it even possible that every company can give you a lower rate?

Most companies quote their cheapest rates for the type of driver that earns them a profit. For example, this type of insured could be between the ages of 30 and 45, has a clear driving record, and drives a vehicle with a low ISO rating. Any driver that fits those parameters receive the lowest rate quotes and will also save some money.

Potential insureds who don’t qualify for these standards will probably be forced to pay higher premiums which results in the customer not purchasing. The wording the ads use say “customers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why companies can claim big savings. This really illustrates why you should compare many company’s rates. It’s not possible to predict which company will have the lowest rate quotes.

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

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More discounts mean lower-cost premiums

Some insurance providers do not list the complete list of policy discounts in an easy-to-find place, so here is a list both the well known as well as some of the hidden credits that may apply to you.

  • Low Mileage Discounts – Low mileage vehicles could be rewarded with discounted prices on garaged vehicles.
  • Onboard Data Collection – People who choose to allow their company to analyze driving patterns by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they show good driving skills.
  • Passenger Safety Discount – Factory options such as air bags can receive discounts as much as 30%.
  • Multi-Vehicle Discounts – Insuring all your vehicles with the same insurance company can get a discount on all vehicles.
  • Life Insurance Discount – Larger insurance companies have a lower price if you buy life insurance from them.
  • Theft Deterent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Homeowners Pay Less – Owning your own home or condo may trigger a policy discount on insurance because maintaining a house means you have a higher level of financial diligence.
  • No Charge for an Accident – Not really a discount, but certain companies will turn a blind eye to one accident before your rates go up if your claims history is clear prior to being involved in the accident.
  • Renewal Discounts – Some insurance companies reward drivers for switching to them prior to your current policy expiring. This discount can save up to 10%.

Discounts lower rates, but most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, you’re out of luck. Any amount of discount will definitely reduce the premium cost.

A few of the larger companies and a selection of discounts are:

  • Progressive has savings for multi-policy, continuous coverage, online quote discount, multi-vehicle, and homeowner.
  • GEICO offers discounts including air bags, driver training, seat belt use, five-year accident-free, anti-theft, defensive driver, and multi-policy.
  • State Farm offers premium reductions for multiple policy, defensive driving training, Drive Safe & Save, good student, student away at school, anti-theft, and passive restraint.
  • Esurance offers discounts for paid-in-full, defensive driver, safety device, anti-lock brakes, DriveSense, online shopper, and good driver.
  • The Hartford includes discounts for driver training, defensive driver, good student, air bag, vehicle fuel type, and bundle.

It’s a good idea to ask every prospective company which discounts they offer. Some credits may not apply to policyholders in your state. To choose companies who offer discounts, click here.

It’s not one size fits all

When choosing the right insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that could help you determine whether or not you would benefit from an agent’s advice.

  • I have health insurance so do I need medical payments coverage?
  • How does medical payments coverage work?
  • Do I need to file an SR-22 for a DUI in my state?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I have coverage when using my vehicle for my home business?
  • What is the ISO rating for a 2013 Acura TSX?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Auto insurance coverages

Having a good grasp of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like X-ray expenses, prosthetic devices and surgery. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Collision protection

Collision insurance will pay to fix damage to your TSX resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, sustaining damage from a pot hole, hitting a parking meter, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2013 Acura TSX.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverage

This provides protection from damage that occurs to other people or property. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as bail bonds, structural damage, medical expenses and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages

This pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, hail damage, rock chips in glass and a broken windshield. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

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

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Make an honest buck

When you buy insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped full coverage and found out when filing a claim that it was a big mistake. Your focus should be to get the best coverage possible at the best cost, but do not skimp to save money.

Budget-friendly insurance is available both online in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not have online price quotes and most of the time these small insurance companies only sell through independent agencies.

We’ve covered a lot of ways to compare 2013 Acura TSX insurance rates online. The key thing to remember is the more rate quotes you have, the better likelihood of getting affordable insurance. Consumers could even find that the lowest rates are with an unexpected company. They often have lower car insurance rates on specific markets than the large multi-state companies such as Allstate or State Farm.

More detailed insurance information is available at these sites: