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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Are you regretting the purchase of an underperforming, overpriced car insurance policy? You’re preaching to the choir because many drivers feel the same as you.

Having so many companies to choose from, it is very difficult to pick the right car insurance company.

Consumers should take time to take a look at other company’s rates on a regular basis since prices are usually higher with each renewal. Just because you found the lowest rate for TSX Sport Wagon insurance a few years ago other companies may now be cheaper. Block out anything you think you know about car insurance because you’re about to learn one of the best ways to save on car insurance.

How to find cheap insurance

All major insurance companies allow you to get prices for coverage on their websites. Obtaining pricing is quite easy because it’s just a matter of typing in your coverage preferences into the form. After you complete the form, their quoting system automatically retrieves your driving record and credit report and quotes a price. Online price estimates makes comparing rates easy, but having to visit many different websites and type in the same information is monotonous and tiresome. But it is imperative to do this if you want to find the best price possible.

The preferred way to find lower prices uses just one form to get prices from several different companies. It saves time, eliminates form submissions, and makes comparison shopping much more enjoyable and efficient. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick any or none of the pricing results. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The entire process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To find out how much you’re overpaying now, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you duplicate deductibles and limits identical to your current policy. This guarantees you will have a rate comparison based on similar coverages.

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

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Buyer beware of insurance advertising tricks

Well-known insurance companies like 21st Century, Allstate and State Farm regularly use television, radio, and online ads. They all have a common claim that drivers will save a bundle just by switching to them. Is it even possible that every company can offer drivers better rates? This is the trick they use.

Different companies quote their best rates for the driver that makes them money. For example, this type of driver may need to be over the age of 35, is a homeowner, and insures a new vehicle. Any person that hits that “sweet spot” may get the lowest rates as well as save if they switch.

People who are not a match for this stringent profile may be forced to pay a more expensive rate which usually ends up with the customer not buying. Company advertisements say “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way insurance companies can confidently make claims that they all have the best car insurance rates. Different companies use different criteria so you should get price quotes at each policy renewal. It’s just too difficult to predict which insurance company will provide the lowest rates.

Double check you’re getting with these nine discounts

Companies that sell car insurance do not advertise all their discounts very clearly, so the next list breaks down a few of the more common and the harder-to-find discounts you could be receiving when you buy auto insurance online.

  • Waiver for an Accident – Not really a discount, but certain companies will allow you to have one accident without the usual rate increase so long as you are claim-free for a particular time prior to the accident.
  • Multi-policy Discount – If you can combine your homeowners and auto policy with one company you may earn up to 20% off your total premium.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • College Student – Any of your kids who live away from home to go to college without a vehicle on campus could qualify for this discount.
  • Discounts for New Vehicles – Buying coverage on a new vehicle can save up to 30% since newer models are generally safer.
  • Driving Data Discount – People who choose to allow companies to analyze their driving habits by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if their driving habits are good.
  • Sign Early and Save – A few insurance companies give discounts for signing up prior to the expiration date on your current policy. The savings is around 10%.
  • Good Grades Discount – This discount can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
  • Pay Early and Save – If you can afford to pay the entire bill instead of making monthly payments you could save up to 5%.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you could get a free insurance policy, it doesn’t quite work that way.

Some of the larger companies that may include some of the above discounts are:

Before purchasing a policy, check with all companies you are considering how many discounts you can get. Discounts may not be offered in your area.

Your situation helps dictate your coverage

When buying the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions could help you determine whether you might need an agent’s assistance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When should my teen driver be added to my policy?
  • Is my dog or cat covered if injured in an accident?
  • Does my insurance cover a custom paint job?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered when driving in Canada or Mexico?
  • Should I carry comprehensive and collision coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

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

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Auto insurance coverages

Understanding the coverages of a car insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by car insurance companies.

Liability coverages – This protects you from injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things like medical services, funeral expenses, court costs, emergency aid and bail bonds. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Acura TSX Sport Wagon.

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

Collision coverages – Collision insurance pays for damage to your TSX Sport Wagon resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as driving through your garage door, crashing into a building, colliding with another moving vehicle, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses for pain medications, dental work, ambulance fees and chiropractic care. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage – This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, vandalism, a broken windshield, damage from getting keyed and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Pennies from heaven

As you restructure your insurance plan, make sure you don’t skimp on coverage in order to save money. Too many times, an insured dropped liability coverage limits only to regret at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

You just read quite a bit of information on how to get a better price on 2014 Acura TSX Sport Wagon insurance. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers may even find the best rates are with the smaller companies. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.

Even more information is available by following these links: