Car insurance costs for 2006 Acura TSXs depend on several factors, such as your coverage choices and driving history. Drivers should consider purchasing full coverage in particular if you have loans or lease agreements on their vehicles.
Avoiding accidents helps drivers keep rates down, while additional savings may come through policy discounts for being an outstanding student, having anti-theft features installed or working certain occupations - these could all add up!
Liability Coverage
If your vehicle collides with another vehicle or property, full coverage insurance pays the bills. It provides bodily injury and property damage liability - two major risks underwritten by insurers - at an average monthly price of $62. However, your rate could differ depending on personal factors and could even go higher or lower than this average figure.
Comprehensive insurance can pay to repair damage to your 2006 Acura TSX caused by acts of nature or theft, as well as protect you in case it's taken by uninsured drivers or vandalized. On average, comprehensive coverage costs $324 annually but could be less expensive with higher deductibles that lower monthly premiums.
Drivers under 25 typically pay more for car insurance due to less driving experience and being involved in more accidents, however they can often save money by avoiding traffic violations and maintaining a clean record.
Location can have an enormous effect on the cost of auto insurance rates, with rural locations tending to experience fewer accident claims than congested cities and therefore providing more cost-effective rates. Your credit score and history also play a factor, making it essential that you maintain good ones to obtain affordable car insurance prices.
Your car model and trim level may also have an effect on its insurance rates; for instance, more expensive trim levels of the TSX tend to cost more to insure than their base models. Furthermore, features that attract thieves could increase premiums.
Reducing your Acura TSX insurance costs requires taking a defensive driving course, driving safely and avoiding at-fault accidents. Furthermore, discounts may exist which reduce costs such as policy discounts for being an excellent driver, taking an approved driving course, being married or student status and having safety or anti-theft features in your car.
Collision Coverage
The 2006 Acura TSX is a midsize passenger car manufactured by Acura of Japan and starting at $384 in base model form. Like other midsize vehicles, collision coverage rates tend to be higher for this luxury model due to potential physical damage costs and therefore insurance companies must compensate themselves against such potential high claims by charging more for this coverage type.
The TSX comes equipped with several safety features that may help bring down collision and comprehensive insurance costs, including its crash-prevention system designed to help avoid or at least mitigate collisions and its blind spot assistance system that alerts drivers when pedestrians or vehicles enter its blind spots. Such safety features may reduce premium rates because insurers know their client is less likely to cause accidents.
Other safety features that can reduce insurance costs for the TSX include airbags, antilock brakes and electronic stability control. It also features front-crash mitigation to avoid being driven into or run over by another vehicle and an active seatbelt pretensioner to tighten belts automatically during an accident in order to prevent injuries to its occupants.
Safety ratings from trusted organizations may help to lower its insurance rates. Such ratings typically depend on crash tests, driving tests and other indicators that measure how secure a car is for its occupants.
Safety ratings of vehicles can also impact the cost of PIP and MedPay coverages, which provide financial compensation to cover medical bills related to an accident, regardless of fault. PIP and MedPay policies are especially useful if the TSX is driven by someone under 25 or with poor credit, both groups considered high-risk by most insurers.
Comprehensive Coverage
Comprehensive insurance is an invaluable protection for 2006 Acura TSX owners in case of accidents not their responsibility, with comprehensive policies covering repair or replacement costs for accidents not their fault. Sometimes called "other than collision" coverage, this form of insurance is usually required by lenders who finance or lease vehicles and typically costs about $270 annually for standard policies.
Liability and comprehensive rates for an Acura TSX midsize luxury car tend to be below average; however, due to factors like its size and class can have a dramatic impact on rates - and you should compare pricing among similar models in that same category before making a final decision.
In addition to its standard bundle of active safety features, the TSX features dual-stage front and side airbags as well as LATCH seat-belts for smaller passengers. NHTSA crash-test ratings were four stars for rollover/frontal impact as well as five stars for side impact/driver-side impact.
Avoiding accidents and taking advantage of discounts can help keep Acura TSX auto insurance rates low, as demonstrated in the table below. Avoiding at-fault accidents could save up to $566 annually for 30-year-old drivers with full coverage; 50-year-olds could save as much as $408 each year with full coverage.
An accident can have serious financial repercussions as well as other adverse outcomes, including increased liability risk and potential car value decrease. Therefore, it is vital that every effort be taken to avoid accidents and traffic violations.
The Acura TSX has been in production since 2004. While no longer manufactured, you can still find this vehicle on dealer lots or used car dealerships nationwide. Boasting safety and convenience features that have won it the hearts of consumers as well as high marks in industry tests, this vehicle provides drivers with a safe yet cost-effective transportation option; many motorists are surprised to learn it can be costly to insure; compare quotes online to find your ideal rate!
Uninsured/Underinsured Motorist Coverage
Acura has produced the TSX as a midsize luxury vehicle for two generations, making it an attractive option when looking for an affordable luxury sedan with advanced safety features. This model boasts both passive and active safety systems like seat-belt pretensioners and four-channel vehicle stability assist that make driving safer than ever before. Crash test ratings were impressive: five stars for frontal driver/passenger collisions while four stars were awarded in rollover tests.
Your car makes an immediate and decisive impact on your insurance rates, from liability coverage rates to age and driving record considerations. Insurers favor sedans over station wagons for liability coverage due to insurers believing they provide safer transportation than cargo vans. When calculating rates, insurance companies also factor in age and driving history considerations: young drivers typically have higher premiums while drivers with a clean driving history tend to experience reduced rates as their risks become reduced for them and therefore lower premiums are assessed.
Car insurance costs depend on several factors, including its value and location. For instance, an Acura TSX in a rural setting will likely have lower premiums due to decreased accident risk; minimum property damage liability coverage requirements in your state can also have an effect on this aspect of car ownership.
Some states set low property damage minimums of $25,000 per person and $50K per accident; other states have much higher limits. If you reside in one of those states with strict minimum coverage requirements, however, your policy liability limits may have to increase to meet them.
Drivers looking to save money on Acura TSX insurance should seek policy discounts. There may be savings available based on certain criteria - these could include being good drivers, students, those with clean driving records and those owning vehicles with safety or anti-theft features, working certain occupations etc - some discounts could help save up to $206 annually on premium costs!