Car insurance costs for 2012 Acura TSXs can depend on both state and driver age. Lenders often require motorists who finance vehicles to enroll in full coverage auto insurance policies that include collision and comprehensive car coverage.
Acura TSX Sport Wagon models are the most cost-effective to insure, so drivers should shop and compare car insurance rates before making their purchase.
Liability
Car insurance rates for an Acura TSX depend on a range of factors, such as your driving record, physical damage deductibles and coverage limits. Drivers with multiple traffic violations or poor credit histories will pay more than those who maintain clean records and superior scores; however, taking steps such as avoiding accidents will ultimately lower rates over time.
A typical full coverage policy typically covers liability for injuries and damage to other drivers, comprehensive (optional - pays to repair or replace your Acura TSX should it become damaged through events unrelated to a collision) and collision (required if financing your TSX), along with uninsured/underinsured motorist coverage and medical payment/personal injury protection as optional additions.
Liability coverage is often the cornerstone of car insurance for most drivers, and the table below displays average car insurance rates for the Acura TSX with various liability limits and driver age groups.
The 2012 Acura TSX with minimum liability coverage tends to have the lowest insurance rates, while policies with maximum limits of $300,000.
Avoiding collisions and traffic violations will help keep your insurance premium down, but these steps won't stop costs from increasing over time. Drivers who frequently cause accidents will see their premiums spike significantly while those with multiple at-fault claims could even be required to enroll in force-placed insurance coverage to cover costs for leased or financed vehicles that don't already have enough on current policies.
Location can have an enormous effect on the cost of Acura TSX car insurance policies. Rural areas tend to offer lower premiums as collision claims tend to be reduced in these settings, while high crime rates and zip codes with an increased risk for theft can drive up premiums significantly.
Typically, those between 50 and 75 have the most affordable Acura TSX car insurance rates, likely because this age group understands better the risks associated with unsafe driving practices and are likely to take precautions while behind the wheel.
Comprehensive
The TSX is an ideal vehicle to cover with comprehensive coverage. This type of coverage pays to repair or replace your vehicle if it's involved in an accident or stolen; unlike liability coverage, comprehensive pays out for all costs related to its own damage regardless of who was at fault in an incident. Comprehensive is often mandatory if leasing or financing your car; most lenders also recommend having it.
Insurance rates for a 2012 Acura TSX vary considerably by state and driver age, so it's crucial to shop around to find the ideal rate. Drivers may want to consider opting for higher deductibles which will lower monthly premiums by forcing them to pay out-of-pocket more when filing claims; other ways of saving include avoiding at-fault accidents, maintaining good credit ratings and taking advantage of policy discounts.
Liability insurance is required of drivers in most states and provides coverage for property damage and bodily injuries to others resulting from an accident you cause. Additional forms of coverage such as personal injury protection (PIP) and medical payments can be added onto an existing full coverage policy or purchased individually.
Collision insurance provides coverage to repair or replace your TSX after it's been damaged in an accident, making it mandatory in many states. You can purchase this coverage either with liability coverage or as an independent policy; to get an idea of its cost against renting an alternative vehicle while yours is being repaired or replaced.
Average annual rates for an Acura TSX 2012 is currently $960; the cheapest rates can be found in states like Utah, New Hampshire and Ohio while New York Michigan Florida have some of the most costly premiums. Drivers aged 60 or above often enjoy lower premiums due to being considered lower risk by insurance providers; other ways that can help decrease premiums include having a clean driving record, maintaining good credit score and getting multiple quotes from different insurers.
Collision
Collision coverage costs an Acura TSX motorist around $1,200 annually. This type of car insurance provides cover in case their vehicle is damaged in an accident regardless of who was at fault, regardless of whose fault it may have been. Motorists can purchase this policy either alone or as part of an overall comprehensive policy - many insurance companies provide discounted rates if both liability and collision coverages are purchased together.
The 2012 Acura TSX has low bodily injury rates, meaning its drivers typically don't file as many bodily injury insurance claims. But this shouldn't lead to motorists cutting corners on coverage limits: at minimum state minimum coverage levels is recommended.
The 2012 Acura TSX is generally regarded as an economical car to operate and has earned high safety ratings from organizations like IIHS. Motorists driving this vehicle should experience lower car insurance rates compared to vehicles with lesser safety ratings.
Drivers looking for quotes should take their location and driving record into account when getting quotes. Rural locations generally experience fewer traffic accidents and lower claims rates compared to congested cities; this could make an impactful difference in insurance premiums. Shop around and compare rates - some auto insurers offer discounts for having good credit scores, being safe drivers or taking defensive driving courses.
Teen drivers are considered high-risk drivers and typically pay higher car insurance premiums. To reduce rates even further, young drivers can usually save money by performing well academically or taking driver education courses.
Senior drivers tend to be considered lower risk drivers and often qualify for inexpensive car insurance policies. Bundling home and auto policies with one company may help save money as can lowering deductibles or increasing liability limits; some insurance providers also provide discounts for drivers working in certain occupations such as architects or doctors.
Uninsured/Underinsured Motorist
Cost of car insurance varies based on various factors, including vehicle type, driving record and location. A Acura TSX tends to be less costly to insure than most luxury vehicles; however it's wise to compare quotes and find the best possible rates - bundling policies together or taking defensive driving classes may lower rates further. Furthermore, costs can fluctuate over time; so if it has been awhile since you compared rates it might be beneficial to do so again.
Liability coverage will cover injuries or damages caused by accidents, while comprehensive covers damage from events other than traffic collisions. Collision insurance provides additional optional coverage that helps cover repair costs when an accident happens; uninsured/underinsured motorist coverage also pays medical expenses in cases where you've been hit-and-run drivers are involved.
If you own a 2012 Acura TSX, the average annual car insurance cost will likely be approximately $1,290 or around $108 monthly. As prices can differ significantly by state and insurer, it is wise to compare quotes from several providers before making your decision. You might save money by reducing coverage amounts or increasing deductibles; and compare quotes across insurers as this may reveal surprising variances in pricing between providers.
Overall, the 2012 Acura TSX is an outstanding vehicle to own and drive. With its powerful 4-cylinder engine and 5-speed shiftable automatic transmission giving it a sporty edge and excellent crash test ratings and large selection of safety features - it makes an excellent choice for families.