The Acura TSX is a midsize luxury vehicle. Its crash prevention features could help lower your auto insurance rates.
This data table demonstrates the comparative costs between collision and comprehensive auto insurance for this model of car, as well as rates for bodily injury coverage and property damage liability coverage.
This information could assist in selecting the appropriate car insurance policy. However, other factors could impact your rate as well.
Model
The Acura TSX is a luxury sedan available at most dealerships. Boasting an outstanding safety rating, which helps lower insurance rates. First released in 2014 and available with multiple features. This vehicle is often chosen by consumers looking for affordable coverage without compromising on cost.
Acura TSX insurance costs depend on several factors, including driver age and record as well as type and amount of coverage chosen. Liability/comprehensive policies tend to be cheaper; however, more costly plans with increased limits of property damage might appeal more. Drivers can lower premiums through strategies like lowering their deductible and installing safety features.
State regulations generally establish minimum liability insurance limits of $25,000 for one person and $50,000 for multiple people, respectively. Vehicle size also affects rates as larger vehicles tend to incur more damage per accident. Model year also plays a factor; newer models tend to cost more as insurance companies consider them more valuable.
Drivers should consider purchasing a full coverage auto policy to protect themselves and others against injury and damages, which provides liability coverage in case someone gets hurt, collision coverage (which pays to repair damage to your car if it collides with something), and uninsured motorist coverage.
The Acura TSX boasts a moderately powered 2.0L engine with 208 horsepower, making it an excellent option for its class. As such, its 2.0L engine should cause less damage than more powerful cars with larger engines; additionally, older cars with fewer features may cost less to insure than newer models. Drivers should also remember that location can have an enormous effect on car insurance premiums: rural areas typically see fewer accidents than congested cities which in turn could lead to reduced rates.
Year
A vehicle's age can have a substantial impact on car insurance rates. Older models generally offer cheaper premiums due to being less valuable; however, older vehicles could also be susceptible to theft which would increase premiums accordingly.
Newer cars tend to cost more than older ones and often come equipped with anti-theft features that can lower car insurance premiums, along with advanced safety features that help prevent accidents from happening or lessen the likelihood that someone could get injured or killed during one.
Typically, it's best to purchase the 2007-2013 first generation TSX or later for second-gen vehicles as these years had the fewest issues like electric power steering issues and potential Takata airbag inflator explosions that affected earlier models of this series.
If you want the lowest rates possible on Acura TSX insurance, comprehensive coverage could be your answer. Comprehensive policies cover damage caused by factors other than collision, and basic comprehensive policies cost around $270 annually.
Liability insurance covers costs related to bodily injury and property damage - two legal obligations in most states. The IIHS offers an informative table that lists percentage losses by model year so you can more accurately estimate liability premiums.
Liability coverage at its most economical is usually provided through state minimum limits, typically costing $25,000. Drivers looking to save money on their premium can opt for higher deductibles to reduce monthly premium costs; however, keep in mind that higher deductibles will require you to pay out-of-pocket should an accident occur.
Mileage
Cars with high mileage often incur higher insurance rates, though this depends on its overall condition and any past accidents it has been involved in. Furthermore, parts that cost significantly more like transmission replacement may add significantly to repair costs than engines would.
Drivers can save money on Acura TSX car insurance by choosing lower deductibles and qualifying for discounts for safety features like anti-lock braking systems, seatbelts and air bags. Furthermore, those with clean driving records and solid credit ratings may qualify for cheaper rates; drivers over 60 can even receive discounts.
Car insurance companies make money by assessing the risk of an accident and charging premiums based on this estimate. They collect information on claims and losses to help determine the premium charges they should levy for coverages like collision and comprehensive. Insurance firms frequently publish this data in an easy-to-digest format for consumers; for example, by posting information such as their average loss percentage on their website.
The TSX boasts an excellent safety record. It earned both "good" and "marginal" ratings from IIHS and NHTSA respectively, which are determined based on crash tests and other factors. A car's size also has an effect on its safety ratings; for example, being small and lightweight means the TSX is less likely to be involved in large collisions than heavier vehicles.
Lenders require motorists who lease vehicles to secure collision and comprehensive car insurance policies when leasing. If a leased car is totaled, its value may be recovered through force-placed insurance; while this coverage may be costly, it is still more economical than replacing it altogether.
Deductibles
Acura's midsize luxury car, the Acura TSX is available as both a sedan and station wagon model. Both generations were produced between 1997 and 2007, boasting high-end features with some sports flair. While not generally considered sports car status, its performance features can still have an effect on insurance costs, particularly liability coverage costs.
Liability coverage is one of the cornerstones of an Acura TSX insurance policy and drivers should choose to carry maximum limits possible. Unfortunately, however, the cost can become prohibitively expensive should multiple claims arise; but there are ways to save on rates by choosing a higher deductible amount and bundling your policy with other policies - all while upholding a spotless driving history.
Location can also have a dramatic effect on the cost of Acura TSX insurance; rural locations tend to offer lower premiums than congested urban areas. Finally, vehicle type plays a role - typically newer models tend to command a higher insurance rate than older ones.
To locate the lowest Acura TSX insurance rates, there are online tools that provide quotes specific to vehicles and driver profiles. Some of these tools allow you to compare quotes from multiple providers; you may also look into discounts that may apply in your situation. It is essential that you take time and care when searching for policies to suit both your needs and budget; doing so ensures you find the optimal Acura TSX policy!
Coverage
Insurance companies will provide drivers with policies that cover damage to their vehicle in case of an accident and provide uninsured motorist and medical coverage as well. While these policies will cost more than liability-only policies, they provide greater financial protection in case of an accident. A driver can save money on premiums by choosing a higher deductible; however, this will increase out-of-pocket expenses should an accident occur. It is also wise to ensure safe driving practices are practiced and tickets avoided as much as possible.
The cost of Acura TSX car insurance varies significantly depending on a variety of factors, including age and driving history of its driver. Younger drivers generally pay higher premiums compared to their elder counterparts. Location, car type and other considerations also impact rates - it is wise to shop around and compare quotes between providers for optimal rates - some even offer discounts for good grades, safe driving practices, professional organizations membership etc.
Understand how collision and comprehensive insurance works to fully benefit from its coverages. Both will pay for damages to your vehicle regardless of who was at fault in an accident, with insurance companies using historical claims data for that particular model and year of vehicle to calculate an estimated repair bill estimate.
Policyholders' choice of coverage limits will have an effect on their monthly quotes from insurance companies. State minimums for bodily injury and property damage vary; typically $25,000 for single person bodily injury claims, $50,000 per accident with multiple victims involved and $25k per incident for property damages are considered minimum amounts to consider when calculating premiums based on risk assessments.