Compare top car insurance providers that offer coverage for your 2007 Acura TSX. Your rates will depend on policy coverages, deductibles, and other factors.
Age can have a dramatic effect on your rates, along with factors like job, location and driving history. Liability and collision coverages are usually among the most commonly purchased policies.
Liability Coverage
The Acura TSX is a midsize luxury vehicle featuring both sedan and wagon body styles. As with other luxury cars, its insurance premiums tend to be higher; however, drivers may still find competitive insurance quotes by doing research before shopping around for deals.
Liability coverage is a standard part of auto insurance policies and helps to cover medical costs and property damage incurred during an accident. The Acura TSX's liability limits for each person affected and per incident are $250,000/$50,000 respectively - typically found among cars in this class. While minimum legal requirements dictate such limits in most states, drivers should consider increasing them if feasible.
Collision and comprehensive coverage helps pay the costs associated with repairing or replacing your Acura TSX after it has been damaged in an accident with another vehicle or by non-collision events such as hail damage. Repairs to such damages tend to be more expensive than minor body work repairs, so collision and comprehensive rates for the Acura TSX tend to be higher than usual.
Beyond coverage type and policy deductibles, several other factors can radically impact the insurance rate for an Acura TSX. Where you live has a profound effect; rural areas tend to see lower collision claims than congested cities. Age of your vehicle also plays a part as older models are usually cheaper to insure due to reduced likelihood of theft or damage claims.
Your Acura TSX may qualify for discounts if it comes equipped with advanced safety and security features, including anti-lock braking systems, air bags and seat belts; as well as rearview cameras, navigation systems, keyless entry or keyless start - which are all great additions. Speak to your insurer about these safety features for an accurate quote for insurance.
Collision Coverage
Full coverage car insurance typically includes liability for bodily injury and property damage, collision coverage (to cover repairs to your Acura TSX when at fault in an accident with another vehicle or object), comprehensive (which pays to replace or repair damage caused by non-collision events such as theft or tree falling on it), as well as loaner requirements to carry this type of policy (usually costing about $270 for 2007 Acura TSXs). Many lenders mandate drivers carry full coverage car insurance on loans owned by lenders themselves. A comprehensive policy costing approximately $270 for 2007 Acura TSXs.
Insurance rates for the TSX are heavily impacted by its safety features. Modern safety and driver assistance features can often help drivers reduce their risk profile and premiums; one example being its Advanced Compatibility Engineering body structure which disperses force during an impact and protects passengers occupants thereby keeping occupants safer during accidents and minimizing injuries in crashes.
The TSX also comes equipped with several advanced safety features that can reduce auto insurance premiums further, including lane keeping assist, road departure mitigation and adaptive cruise control. These features alert drivers when they get too close to cars in front of them or cross center lines; their aim is to lower chances of head-on collision and help steer vehicles back to their correct lane.
When searching for auto insurance for your TSX, it's essential to compare quotes from multiple providers. Pay special attention to coverage level needs, driving history and credit score when reviewing policies from each provider; don't forget discounts such as good driver, good student, multi-policy and homeowner (bundling) discounts that could apply - use an online comparison tool like Compare The Market so that you gain a clearer picture of all factors influencing rates; this way you can select an ideal policy tailored specifically to you needs!
Comprehensive Coverage
A 2007 Acura TSX comes equipped with many excellent safety features such as airbags, anti-lock brakes, electronic stability control and traction control, which will reduce the chances of an accident and help lower insurance rates. Still, accidents do happen and having the right car insurance coverage in place to protect yourself when accidents do happen is important - full coverage should cover injuries or damages to third parties as well as collision (optional coverage which pays to repair damage to your car when at fault in an accident with another vehicle or object), comprehensive (optional - damage from events not related to an accident), uninsured motorist coverage as well as uninsured motorist coverage (uninsured motorist coverage).
Consideration should also be given to the deductible on your comprehensive coverage policy. A higher deductible usually results in lower premiums; however, you must be willing and able to pay any incurred out-of-pocket deductible payments should a claim occur.
The Acura TSX boasts excellent safety ratings; however, its size may influence its class and therefore insurance rates. Vehicle classes are determined by factors including size and weight as well as available safety features; IIHS and Highway Loss Data Institute provide tables that outline classes and ratings for each model of car.
Liability coverage is the foundation of car insurance that every driver should carry. It covers repairs to other people's property in an accident you are found responsible for, depending on state laws and your budget. As per state requirements and budget considerations, your minimum liability coverage limit may increase or decrease as you see fit.
If you take out a loan or lease agreement on your TSX, chances are the lender will require full comprehensive and collision coverage to make sure it can be repaired or replaced if involved in an accident.
Over 50s typically qualify for discounts on Acura TSX insurance policies due to having a proven driving record and being less likely to cause accidents than younger drivers.
Theft Coverage
As an older vehicle, the Acura TSX may be more vulnerable to theft, leading to higher comprehensive coverage rates that help cover repairs to your car in the event that it's stolen. To lower these premiums and secure your car against thieves more effectively, take advantage of anti-theft technology and other features like anti-theft alarms. For an accurate idea of what your comprehensive policy could cost compare it against class average costs.
Your driving history and location have an enormous effect on the cost of insurance rates. To maintain affordable premiums, avoid at-fault accidents and violations as much as possible; just one accident could increase premiums by as much as $566 annually.
Size and class will also have an effect on auto insurance premiums; for instance, an Acura TSX is considered a midsize luxury vehicle; switching to liability-only coverage or decreasing your collision and comprehensive policies to the minimum requirements in your state can reduce premium costs significantly.
Consider also checking the safety ratings of your vehicle. Reputable organizations provide these grades that indicate how safe motor vehicles are in case of an accident or other incident. Acura TSX models have received high marks when it comes to safety ratings - making it a suitable family car option.
Your driving habits also play a crucial role in your auto insurance premiums. Avoiding at-fault accidents will lower the cost of coverage significantly; rates for drivers under 25 considered high risk may also increase accordingly.
Your city of residence can have an effect on your rates as some areas experience more traffic accidents and burglaries/theft than others. Living in smaller towns/rural areas might allow for lower costs; however, this may limit employment options or other opportunities available to you.
Other elements that could alter your rates are your car's performance and features, like horsepower. A vehicle with higher horsepower may cost more to insure than something more fuel efficient such as an Acura TSX; however, discounts could apply if it contains numerous safety and anti-theft features.