2003 Acura RSX Insurance Quotes – 7 Savings Tips

Scraping up a payment for expensive Acura RSX insurance can dry up your checking account and put the squeeze on your family’s finances. Lots of car insurance companies contend for your hard-earned dollar, so it’s not easy to compare every insurance company and get the definite cheapest price

It’s a good idea to do rate comparisons before your next renewal because insurance coverage prices change regularly. If you had the best rates for RSX insurance a couple years back you can probably find a better rate quote now. Block out anything you think you know about insurance coverage because you’re about to find out one of the easiest ways to buy cheaper insurance coverage.

Where can I get cheap car insurance?

Effectively comparing car insurance prices is a ton of work if you don’t understand the best way to get rate quotes. You can waste a few hours (or days) driving to insurance agencies in your area, or you can stay home and use online quotes to achieve your goal.

Many insurance companies belong to a marketplace where prospective buyers submit their information once, and every company can give them a price determined by their information. This saves time by eliminating quote requests for every car insurance company.

To find out how much you’re overpaying now click here (opens in new window).

The one disadvantage to using this type of system is you can’t choose which insurance companies you want pricing from. If you wish to select specific insurance companies to compare rates, we have assembled a list of companies who write car insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just double check that you are using the exact same coverage limits and deductibles with each company. If your comparisons have differing limits you will not be able to truly determine the lowest rate.

Car insurance discounts are available to lower your rates

Auto insurance companies do not list all disounts in an easy-to-find place, so the following list contains some of the best known as well as the least known credits that may apply to you. If you are not receiving all the discounts possible, you’re just leaving money on the table.

  • No Claim Discounts – Good drivers with no accidents can earn big discounts when compared with policyholders that have many claims.
  • New Vehicle Savings – Buying a new car instead of a used car can get you a discount compared to insuring an older model.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices help deter theft and earn discounts up to 10% off your insurance quote.
  • Distant Student – Older children who are enrolled in higher education away from home and won’t have access to an insured vehicle may be able to be covered for less.
  • Save over 55 – Mature drivers may qualify for a discount up to 10% for RSX insurance.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Defensive Driver Discount – Taking part in a course in defensive driver could earn you a small percentage discount depending on where you live.

It’s important to note that some credits don’t apply to the overall cost of the policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.

Companies that may offer quotes with most of the discounts above include:

Check with each company or agent to apply every possible discount. Discounts may not apply to policies in your area. For a list of companies that offer some of these discounts, follow this link.

Everyone needs different car insurance coverages

When it comes to choosing the best car insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.

  • Do I have newly-aquired coverage?
  • Is rental equipment covered for theft or damage?
  • What vehicles should carry emergency assistance coverage?
  • Where can I find high-risk insurance?
  • What is UM/UIM insurance?
  • Should I buy additional glass protection?
  • Can my teen driver be rated on a liability-only vehicle?
  • What is covered by UM/UIM coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my insurance cover a custom paint job?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Save $386 a year. For real?

Consumers can’t get away from all the ads that claim the lowest car insurance rates from companies such as 21st Century, Allstate and State Farm. All the ads tend to make the same promise about how much you will save just by moving your coverage to them.

How can each company make almost identical claims? Here is how they do it.

Different companies quote their best rates for the type of customer that will be a good risk. A good example of a profitable risk profile could be over age 30, has never had a claim, and drives less than 5,000 miles a year. Anybody who matches that profile will get low car insurance rates and will also save some money.

Insureds who do not match those standards will be charged higher premiums and the driver buying from a lower-cost company. The trick companies use is to say “drivers that switch” but not “everyone who gets a quote” save the amount stated. This is how insurance companies can state the savings.

Because of the profiling, drivers must quote coverage with many companies. It is impossible to predict with any certainty which company will have the best car insurance rates for your profile.

Educate yourself about insurance coverages

Knowing the specifics of your insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as rock chips in glass, hitting a bird and hitting a deer. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Acura RSX.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability insurance

Liability coverage can cover damage or injury you incur to other people or property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as court costs, legal defense fees, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses for things like funeral costs, dental work, EMT expenses, pain medications and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, sustaining damage from a pot hole, hitting a mailbox, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

A fool and his money are soon parted

Cheaper 2003 Acura RSX insurance can be sourced both online and with local insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers may not offer the ability to get quotes online and many times these small insurance companies only sell coverage through independent agencies.

We just showed you quite a bit of information on how to get a better price on 2003 Acura RSX insurance. It’s most important to understand that the more you quote insurance, the higher the chance of saving money. You may even find the best car insurance rates are with a company that doesn’t do a lot of advertising. Smaller companies often have lower premium rates on specific markets than the large multi-state companies such as Allstate or State Farm.

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