The Acura TSX is one of the more cost-effective luxury cars to insure, yet motorists should still purchase both collision and comprehensive car insurance policies for this midsize sedan.
Liability coverage typically comprises state minimum limits for bodily injury and property damage. Below is a table displaying standard rates for Acura TSX liability policies in various states.
1. Liability Coverage
Liability coverage is one of the cornerstones of an auto insurance policy, providing compensation to other parties in case you cause an accident and cause property damage or medical bills for others involved. Liability limits are typically required by law but you may be able to increase them depending on your car - typically, an Acura TSX doesn't need higher limits of liability coverage than typical.
Your vehicle choice will also have an effect on your rates. Larger cars tend to perform better in accidents and keep occupants safer, so repairs typically cost less. Furthermore, driving responsibly and avoiding violations or accidents on your record could lower premiums by up to $566 annually for 30-year-old drivers and $408 annually for 50-year-old drivers respectively.
Comprehensive auto insurance is an invaluable addition to your policy, and should always be included. It protects you if damage to your TSX occurs without collision - for example an animal running into its front end, or its windshield being cracked by rocks - usually paying to repair or replace both parts. In many cases lenders also require comprehensive coverage as part of any financing agreement for financed or leased cars.
Factors that can help lower TSX insurance costs include being claim-free, driving safely, having an excellent credit score and qualifying for discounts offered by insurance companies. Many providers offer these discounts for drivers that are good students, members of professional organizations or employed in certain occupations; such discounts could save up to $123 annually depending on which policies or additional coverages you select.
2. Collision Coverage
When purchasing car insurance, a variety of factors can have an effect on your rate. Your age, driving record and location all play a role; but choosing your vehicle also has an effect. Furthermore, research each provider's customer service, financial strength and policy and discount offerings to find one with affordable coverage at an acceptable rate.
The Acura TSX is an easily affordable luxury sedan to insure, boasting numerous safety features to help reduce premiums. Check the safety ratings given to vehicles by both Insurance Institute for Highway Safety (IIHS) and National Highway Traffic Safety Administration (NHTSA) before making your purchase decision; higher safety ratings generally equate to reduced auto insurance premiums.
Comprehensive insurance is another essential element to keep in mind, covering damages unrelated to collision. Lenders usually require this coverage if you lease or finance your vehicle; you can calculate its cost using IIHS's Insurance Loss Data for each model year of vehicle.
Be mindful that comprehensive coverage premiums on an Acura TSX will rise with later model years due to rising parts prices and repair costs; to maintain reasonable premiums it would be prudent to purchase one made prior to 2012.
3. Comprehensive Coverage
Comprehensive Coverage provides protection for damage caused by non-collision events such as theft, vandalism and natural disasters. Comprehensive costs less than collision coverage but more than liability policies; lenders usually require both forms.
The Acura TSX's excellent safety ratings should translate to lower bodily injury and medical payments rates than vehicles with poor safety ratings, with costs depending on your driving history and safety features. You can determine this amount with help from your agent or car insurance calculator.
For optimal TSX insurance coverage, compare quotes from several companies. You can obtain them either online or through an independent agent; just double-check that all coverages and limits are similar between quotes.
Age and location also play a factor. For instance, 30-year-old drivers generally pay more for Acura TSX car insurance than 40-year-old drivers because younger drivers have more accidents and violations on their records than their elder counterparts, making them more risky to insurers.
Acura TSX car insurance discounts may also be available - some examples include membership of professional organizations, military discounts or paying your premium in full. Even if these don't apply to you, saving can still be made by comparing quotes from multiple providers; Jerry can make this easier; it compares quotes from over 55 companies in under 45 seconds!
4. Uninsured Motorist Coverage
Car insurance companies must cover the loss of customers' vehicles involved in accidents with drivers who do not carry liability coverage, but without it could result in substantial financial strain for policyholders if involved. While uninsured motorist coverage can be more costly, its protection helps ensure policyholders can afford repairs of their vehicle should an accident happen with one. Choosing to opt out may force policyholders to increase their liability coverage or risk being unable to afford repairs themselves.
Uninsured motorist coverage is typically offered as an add-on to collision and comprehensive policies, and policyholders who opt out can usually do so in writing; if leasing or financing a vehicle requires it to be included on the policy though.
Insurance providers also factor in safety features of your vehicle, such as air bags, anti-lock brakes and electronic stability control. Safer vehicles typically result in reduced car insurance premiums.
An accident-resistant vehicle will be easier and cheaper to repair after an incident due to having fewer parts that require repair.
Before making their decision on whether or not to repair or replace their vehicle, policyholders should obtain multiple estimates from various providers. One such website that helps consumers obtain estimates quickly is RepairPal, which offers an estimator for all makes and models of cars.
Another way that policyholders can lower their Acura TSX auto insurance costs is by being a cautious driver and maintaining good credit score. Rogue drivers usually incur higher car insurance premiums, so it is wise to avoid traffic violations that might increase rates.
5. Underinsured Motorist Coverage
If you own an Acura TSX, chances are good that you have collision and comprehensive car insurance policies to cover damage to the vehicle as well as medical costs and lost wages caused by accidents regardless of fault. These types of coverage also protect drivers against liability claims from drivers involved.
The chart below offers an approximate breakdown of car insurance costs in South Carolina based on minimum liability limits; any potential discounts could change these estimates significantly.
Please be aware that this data was gathered in 2015 and could change significantly over time. Furthermore, auto insurance rates vary based on age, state and insurance company - making comparison shopping an essential element when searching for affordable rates.
Young drivers tend to be more expensive to insure than older motorists and certain states mandate uninsured/underinsured motorist coverage; so if you're looking to save money, opting for a policy without this coverage might be best.
Shop around and get multiple quotes to find the cheapest car insurance rate for your 2020 Acura TSX with this tool, then compare prices using this calculator. Just enter your personal information, and we'll show you some of the most reputable insurers' top rates along with available discounts such as safe driver and bundling discounts that could save up to 10% off of your premium rate - these discounts may help save you up to 10% off overall but keep in mind that factors like driving history, credit score (where applicable) and vehicle safety features may impacting its final rate final price tag.