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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Drivers new to comparing insurance coverage rates on the web may find sourcing the cheapest auto insurance is harder than it should be.

You should take the time to shop coverage around before your policy renews since insurance prices are constantly changing. Just because you had the best rates on TSX Sport Wagon coverage a couple years back you may be paying too much now. There is lot of inaccurate information about insurance coverage on the internet, but in this article, you’re going to get a bunch of ideas how to lower your insurance coverage premiums.

Quote Acura TSX Sport Wagon insurance for less

Many factors are used when you quote your car insurance policy. Some factors are common sense like your driving record, but other factors are more obscure like where you live or your vehicle rating.

The factors shown below are most of the major factors used by insurance companies to determine prices.

  • Car and home together may be cheaper – Some companies will award better rates to people that buy multiple policies, otherwise known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even though this discount sounds good, it’s still a good idea to check prices from other companies to help guarantee you have the best rates.There is a good possibility that you can save more without the discount by insuring with multiple companies.
  • Cheaper to insure women? – Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, don’t assume that males are worse at driving than females. Both sexes cause auto accidents in similar percentages, but guys tend to have higher claims. Men also tend to get ticketed for serious violations such as reckless driving.
  • Do you need those extra coverages? – Insurance companies have many additional coverages you can purchase when buying car insurance. Coverage for things like coverage for rental cars, towing, and extra equipment coverage are examples of these. The coverages may be enticing when discussing your needs, but your needs may have changed so think about removing them and cutting costs.
  • Better prices for continuous coverage – Going without insurance can be a sure-fire way to pay more for car insurance. In addition to paying higher premiums, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Deter theft and pay less – Selecting a car model that has an advanced theft prevention system can save you some money. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft and help bring rates down.

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These discounts can lower your car insurance rates

Some companies do not advertise all disounts very well, so we took the time to find some of the more common and also the more inconspicuous ways to save on car insurance. If you check and find you aren’t receiving every discount available, you could be saving more on your car insurance.

  • Pay Early and Save – If you pay your bill all at once rather than paying in monthly installments you can avoid monthly service charges.
  • Senior Citizen Discount – Seniors may be able to get reduced rates on TSX Sport Wagon coverage.
  • Student Discounts – Excelling in school could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.
  • Passenger Safety Discount – Factory options such as air bags or motorized seat belts may get savings of 25 to 30%.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will qualify for a discount on a auto insurance quote.
  • Sign Early and Save – A few larger companies give discounts for switching to them before your current expiration date. Ten percent is about the average savings.
  • Discounts for Federal Employees – Having worked for a branch of the government may reduce rates when you quote auto insurance on TSX Sport Wagon coverage depending on your company.
  • Military Discounts – Having a deployed family member could qualify you for better rates.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like comprehensive or collision. If you do the math and it seems like you could get a free car insurance policy, you’re out of luck.

To choose insurance companies that offer multiple discounts, click here.

The ad said I’d save $473 a year!

Respected companies like GEICO, State Farm and Progressive consistently run ads in print and on television. They all advertise the message that you can save if you switch to their company. Is it even possible that every company can say the same thing? Here is how they do it.

Insurance providers have specific characteristics for the right customer that is profitable for them. An example of a driver they prefer could be between the ages of 30 and 50, has no driving citations, and has excellent credit. Any person that fits those parameters will get very good premium rates and have a good chance to save if they switch.

People who are not a match for this stringent profile will see a more expensive rate and this can result in the prospect going elsewhere. If you pay attention, the ads say “customers who switch” not “everyone who quotes” save money. That’s why insurance companies can make those statements. That is why you should get auto insurance quotes from several different companies. It is just not possible to predict the company that will have better car insurance rates than you’re paying now.

Different people need different insurance coverages

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if your situation would benefit from professional advice.

  • How high should my medical payments coverage be?
  • Am I covered when using my vehicle for business?
  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Where can I get insurance after a DUI in my state?
  • Does coverage extend to Mexico or Canada?
  • Will I lose any money if I cancel my policy before it expires?
  • When does my teenage driver need to be added to my policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.

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Insurance coverage basics

Knowing the specifics of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability car insurance

Liability coverage can cover injuries or damage you cause to people or other property. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims like medical services, loss of income, structural damage, medical expenses and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like funeral costs, dental work, rehabilitation expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive protection

Comprehensive insurance 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 coverage protects against things like theft, fire damage, hail damage and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Acura TSX Sport Wagon.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

More quotes mean more savings

Cheap 2013 Acura TSX Sport Wagon insurance is possible from both online companies as well as from insurance agents, so you need to shop auto insurance with both to have the best chance of lowering rates. Some insurance providers do not offer online rate quotes and many times these smaller companies only sell through independent insurance agencies.

You just learned some good ideas how to compare 2013 Acura TSX Sport Wagon insurance prices online. The key concept to understand is the more you quote auto insurance, the more likely it is that you will get a better rate. Drivers may discover the best prices are with a small mutual company.

When getting auto insurance quotes online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at the best cost, but do not sacrifice coverage to save money.

Even more information is located in the articles below: