Car Insurance Quotes for the Acura TSX

You’ll enjoy a smooth, luxurious ride when you get behind the wheel of your Acura TSX. But before you can do so, you’ll have to get auto insurance to ensure you’re covered in case of an accident. The cost of this protection should be in the ballpark of $111 to $176 monthly, but that depends on many different factors, including the type of coverage you choose.

To get a better idea of how much you’ll pay to insure your vehicle, reach out to an expert agent at Freeway Insurance. They will discuss your situation to help you figure out what type of coverage is best for your family and your budget so you end up with the cheapest car insurance for your situation.

There are many types of car insurance coverage available. Your Freeway Insurance agent will present these options to you and will explain them thoroughly, but here are two of the options people frequently choose.

Full Coverage

If you’re looking for top-of-the-line protection for yourself and your vehicle, choose a full coverage policy. For approximately $176 per month, you’ll be covered for damages to your car, even if you are at fault for an accident. You’ll also be reimbursed if your vehicle is stolen or if it’s damaged by natural causes. So if a tree branch falls on your car or if you drive through a hailstorm and your vehicle gets battered, you can file a claim and your insurer will pay for your repairs.

State Minimum Liability

If you’re willing to forgo the protections of full coverage and want to pay as little as possible, you can opt for a minimum liability coverage policy, which will cost you around $111 per month. This type of plan gives you the bare minimum protection required by the state you live in. For example, if you obtain minimum coverage in Idaho and cause a crash, your insurer will cover the first $25,000 of bodily injury per person (up to $50,000 per accident), and up to $15,000 for property damage per accident. Accordingly, if you hit a luxury vehicle and cause $20,000 of damage, you’ll have to cough up $5,000 of your own funds.

To determine how much your monthly premiums will be, your insurer will look at many different variables.

The Cost of Your Vehicle

If you have full coverage, your insurer might have to pay for your car if it’s stolen or it’s totaled in an accident. The more expensive your vehicle is, the more it might cost your insurer down the line, and the more they’ll tack on to your monthly premiums.

The Deductible Amount You Choose

A deductible is the amount of money you would pay out of pocket before your insurer chips in. For example, say you choose a $500 deductible. If you cause $50,000 of damage in a crash, you will pay the first $500 and the insurer would pay the remaining $49,500. If you cause $400 of damage, you owe the full amount and your insurer wouldn’t cover anything. Therefore, if you choose a high deductible, your premiums will be lower, and vice versa.

Age Matters

Different age brackets carry varying amounts of risk. Insurers consider young teenagers to be more of a risk on the road than an experienced 30-year-old driver. Because of this, your policy costs will depend heavily on your age and the associated risk level.

Drunk drivers are a major liability for insurers. Even if you never get into an accident, if you’re convicted of drinking and driving, you’ll be labeled as a high-risk driver. This label means you’ll have to pay for expensive coverage premiums and the additional cost of having to file an SR-22 certificate.

The TSX is a compact luxury sedan that Acura produced between 2004 and 2014. The original models were similar to the shorter European version of the Honda Accord made by the same manufacturer, and in 2009, a new extended frame was introduced. It began with a more standard look, with sporty touches added over the years. Ranging from 200 to 205 hp with a 2.4-liter four-cylinder engine to a 280 hp 3.5-liter V6 engine, this vehicle combined power and luxury in a neat little package.