The Acura TSX is an affordable midsize luxury car to insure, and ranks as one of the more cost-effective cars in its class; though rates will depend on factors like driver age and other criteria.
Safety features and packages may help lower insurance rates. Crash-prevention systems, for instance, may help decrease both the likelihood of accidents as well as their severity.
Safety Ratings
Acura vehicles have long been revered for their safety features, and the 2015 TSX is no different. This small luxury car earned outstanding scores in crash tests conducted by the Insurance Institute for Highway Safety and had low theft risks - making it a favorite among motorists. Its size and weight make it especially advantageous in crash tests while front-wheel drive layout and electronic stability control also contribute positively to its class rating (which determines how much insurance drivers must pay).
Model years a motorist purchases can have a profound effect on their rates, along with driving history, location and age considerations. Drivers in Los Angeles generally pay higher premiums for car insurance than those residing in Houston; additionally, younger drivers generally incur higher Acura TSX coverage premiums compared to their elder counterparts (i.e. 30-year-old drivers tend to pay more).
Liability insurance protects other people's property and is required in most states. On average, liability coverage costs drivers in the TSX less than class average of $1,705, at around $1,218 annually - below class average by about $305. Drivers looking to protect their personal assets against damages caused by an at-fault accident should consider increasing limits which will raise premiums as a result.
Motorists could potentially save money on Acura TLX car insurance by qualifying for discounts that reduce premium costs. Achieving safe driving records can lower premiums while those owning vehicles with safety or anti-theft features could get discounted rates. Furthermore, drivers employed in certain occupations could qualify for cheaper insurance premiums.
Average car insurance quotes for the TSX average at approximately $223 for basic liability coverage and $342 for collision coverage; however, exact rates will depend on your insurer. To obtain more accurate rate quotes from multiple providers before making a decision and potentially save up to $816 annually by choosing the most appropriate insurer.
Safety Features
Make and model of a vehicle are key factors in determining average insurance rates; however, other elements also play into this decision. One such element is safety ratings from reliable organizations which assess how safe a vehicle is in case of a crash; Acura TSX models boast excellent ratings from the Insurance Institute for Highway Safety which has given them high marks in crash tests and other testing.
Vehicles equipped with active safety features designed to help drivers avoid crashes and protect them from injury are available, including front and rear parking assist, blind spot monitoring, lane departure warning, multi-view camera system and automatic emergency braking. These features aim to keep drivers safer while decreasing accident frequency - potentially leading to lower insurance premiums for TSX owners.
When shopping for insurance policies, it's essential to compare rates and coverage levels across companies. A free quote tool makes this task much simpler by enabling drivers to quickly compare multiple companies' offerings at once - helping them find the most cost-effective rates tailored specifically to their needs.
As part of their standard liability policies, many states also mandate drivers purchase collision and comprehensive coverage policies to cover damages to both their vehicle and other properties damaged in an accident, as well as medical costs related to injuries sustained during an incident. It's highly advised that all drivers at least acquire this minimum level of coverage.
Car insurance providers often offer drivers discounts that can save them money. This may include discounts for being claim-free or driving safely as well as having completed an approved defensive driving course. Some providers even provide bundle discounts or multi vehicle policies with their policies.
Overall, the Acura TSX is a safe and cost-effective choice for drivers interested in purchasing a luxury vehicle. It ranks first among 52 midsize luxury cars when it comes to insurance affordability - approximately $487 less per year compared to class average rates.
Repair Costs
Acuras are known for being premium vehicles that can be costly to repair. But their reliability may help explain their low ownership costs in comparison with other luxury cars. RepairPal's vehicle reliability data for insurers ranks the Acura TSX second out of 32 luxury vehicles for 2015; behind only the Mercedes-Benz E Class it ranked number two. Their data also suggests less likely mechanical issues or replacement parts becoming necessary, thus helping reduce insurance rates.
Insurance companies consider several factors when setting car insurance rates, including make and model, safety features and crash test ratings of a vehicle. The Insurance Institute for Highway Safety gave Acura TSX high marks in both structural integrity and safety features ratings; this can help drivers reduce their likelihood of an accident thereby saving money on car insurance policies.
Maintaining a clean driving record can also help drivers lower their Acura TSX insurance rates by keeping accidents to a minimum and traffic violations to a minimum, thus saving up to $408 annually on car insurance premiums due to reduced at-fault claims that drive up rates. Drivers may also take advantage of discounts like good student, antitheft protection features and loyalty savings to further lower premiums on Acura TSX policies.
Acura TSX car insurance rates average out to an annual total of $1,218 or $102 monthly compared to the national average for midsize luxury cars of $1,705; however this estimate should be taken as an average and may differ depending on factors like driver age, state of residence, insurance provider and mileage driven annually.
US vehicle liability requirements require at a minimum: $25,000 in case of bodily injury to one person, $50,000 for two or more, and $25,000. Drivers can choose to increase their coverage by purchasing additional types of auto insurance such as medical payments, collision, comprehensive, multi-vehicle discounts or multi-car discounts.
Insurance Rates
The Acura TSX stands out among midsize luxury car classes for having some of the lowest average policy costs, averaging an estimated annual policy cost of around $1,218. That makes it more cost-effective to insure than vehicles like Mercedes CLA250, Audi A6 and Tesla Model S; though your exact premium could depend on driving record and insurer choice; with GEICO offering one of the most cost-effective average quotes at just over $1,000 while Allstate offering more expensive coverage with an estimated quote at over $1658 annually.
Drivers looking for ways to save on Acura TSX car insurance could find themselves saving money by selecting a higher deductible for collision coverage. A higher deductible means paying upfront before your insurer begins covering damages; doing this could reduce premiums by 15-30 percent - just make sure that enough funds have been set aside to pay the deductible in case of an accident!
Policyholders with Acura TSXs can also purchase comprehensive coverage. This form of insurance pays for damages caused by non-collision incidents such as vandalism or hitting trees; comprehensive policies tend to be cheaper due to lower actuarial risk for insurance providers.
No matter which coverages you select, liability insurance should always be part of a vehicle owner's portfolio. Liability coverage provides coverage for bodily injury and property damage caused by accidents you cause to others involved, and most states mandate it. To help motorists locate cost-effective liability coverage solutions, we have created the data table below which displays average rates for 2015 Acura TSX owners across states with minimum required levels to comply with their laws.
Drivers can use this information to compare rates and find an insurance plan that best meets their needs at a price they can afford. To begin comparing, enter your zip code above to receive Acura TSX car insurance quotes from top providers.