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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Nov 1, 2017

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Looking for lower insurance coverage rates for your Acura TSX? Do you get confused by the dozens of insurance coverage companies? Lot’s of other drivers are too. consumers have so many choices that it can easily become a real hassle to find better prices.

It is always a good idea to compare prices at least once a year because insurance coverage rates are adjusted regularly by insurance companies. Even if you think you had the best premium rates for TSX coverage two years ago you will most likely find a better price today. You can find a lot of information about insurance coverage online but in just a couple of minutes you can learn some proven techniques to reduce your insurance coverage bill.

If you currently have car insurance, you should be able to save some money using these techniques. Pricing cheaper protection is not that difficult. Although consumers should learn the methods companies use to price online insurance and use this information to your advantage.

Why smart consumers pay less for Acura TSX insurance

The best way to find cheaper insurance is to take a look at some of the elements that play a part in calculating insurance rates. If you know what impacts premium levels, this enables informed choices that could result in lower rates. Lots of things are considered when premium rates are determined. Some are pretty understandable like an MVR report, although others are more transparent such as your credit history or your vehicle rating.

  • Cheaper to insure women? – Over the last 50 years, statistics have shown that females take fewer risks when driving. However, this does not mean men are worse drivers. Both genders have fender benders at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Not only that, but men also have more aggressive citations like reckless driving and DUI.
  • Liability protection is cheap – Liability insurance is the protection in the event that a court rules you are at fault for damages from an accident. Liability provides for a legal defense to defend your case. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Raising physical damage deductibles saves money – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Acura from damage. Examples of covered claims are colliding with a building, hail damage, or theft. Comprehensive and collision coverage deductibles are the amount of money the insured will be required to pay if you file a covered claim. The more damage repair cost you pay before a claim is paid (deductible), the bigger discount you will receive for TSX coverage.
  • Certain jobs raise prices – Did you know your job can affect your rates? Jobs such as doctors, architects and accountants generally have higher rates than the rest of us attributed to high stress and lengthy work days. Conversely, professions such as farmers, engineers and homemakers receive lower rates for TSX coverage.

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

secured lock Secured with SHA-256 Encryption

Discounts for affordable insurance rates

Insurance is not inexpensive, but you may qualify for discounts to help bring down the price. A few discounts will be applied when you quote, but less common discounts must be specifically requested before being credited. If you do not double check each discount available, you’re paying more than you need to.

  • Safe Driver Discount – Insureds without accidents could pay up to 40% less for TSX coverage than their less cautious counterparts.
  • Good Students Pay Less – 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.
  • Homeowners Savings – Being a homeowner can save you money because owning a home is proof of financial responsibility.
  • Include Life Insurance and Save – If the company offers life insurance, you could get a small discount if you purchase auto and life insurance together.
  • Membership in Organizations – Being in a civic or occupational organization can get you a small discount on your policy.
  • 55 and Retired – If you qualify as a senior citizen, you could receive reduced rates for TSX coverage.

You can save money using discounts, but most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as collision or personal injury protection. Even though it appears you can get free auto insurance, insurance companies wouldn’t stay in business.

If you would like to see a list of insurance companies that have a full spectrum of discounts, click here.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance providers like Allstate and Progressive regularly use ads in print and on television. All the ads try to convey promises that people will save if you just switch to them. How is it plausible that every one can charge less that you’re paying now? It’s all in the numbers.

Companies offer their best rates for the type of customer they prefer to insure. For example, a driver they prefer may need to be between 30 and 50, has no prior claims, and has great credit. Someone that matches those criteria will get very good rates and will save if they switch.

Potential customers who fall short of this stringent profile will have to pay higher premium rates and ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everybody who quotes” can save as much as they claim. That’s why insurance companies can confidently make claims like that. Because of this risk profiling, you really should do a rate comparison at every renewal. It’s just too difficult to predict which company will fit your personal profile best.

You may need specialized auto insurance coverage

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions may help you determine whether your personal situation might need professional guidance.

  • At what point should I drop full coverage?
  • Is rental equipment covered for theft or damage?
  • How do I insure my teen driver?
  • Should I waive the damage coverage when renting a car?
  • How much liability coverage do I need in my state?
  • Should I put collision coverage on all my vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Why is insurance for a teen driver so high?
  • What vehicles should carry emergency assistance coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

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

secured lock Secured with SHA-256 Encryption

Insurance coverages and their meanings

Knowing the specifics of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Acura TSX.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Collision insurance

This pays for damage to your TSX caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a parking meter, driving through your garage door and colliding with another moving vehicle. 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 increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses for things like dental work, nursing services, surgery and chiropractic care. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as fire damage, damage from flooding and rock chips in glass. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

Liability insurance can cover damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like repair bills for other people’s vehicles, legal defense fees, medical expenses, bail bonds and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Save for a rainy day

Drivers change insurance companies for a number of reasons such as high rates after DUI convictions, lack of trust in their agent, questionable increases in premium or policy cancellation. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.

As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where an insured dropped liability coverage limits and learned later that it was a big mistake. The proper strategy is to purchase plenty of coverage at the lowest possible cost.

We’ve covered a lot of ways to get a better price on 2014 Acura TSX insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your car insurance rates. You may be surprised to find that the best rates are with some of the lesser-known companies.

To read more, take a look at the articles below: