2004 Acura RSX Insurance Quotes

Want lower car insurance rates for your Acura RSX? Are you kicking yourself for buying overpriced car insurance? Don’t feel bad because you are not the only one feeling buyer’s remorse.

Having so many options when it comes to car insurance, it’s difficult to locate the most cost effective company.

Consumers need to get comparison quotes periodically because car insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates for RSX coverage two years ago you can probably find a better premium rate now. You’ll find quite a bit of inaccurate information about car insurance on the web, but in a few minutes you can learn some solid techniques on how to lower your car insurance rates.

How to compare free insurance quotes

When looking for cheap insurance quotes, there are a couple ways to obtain and compare prices from many different insurance companies. The easiest way by far to comparison shop is to use the internet to compare rates. It’s really quite simple and can be done in a couple minutes as outlined below.

  1. The most efficient method consumers can make multiple comparisons is a comparison rater form click to view form in new window. This method keeps you from doing repetitive form submissions for each company. One simple form gets prices estimates from multiple low-cost companies.
  2. A more difficult way to analyze rates requires you to visit each company’s website and complete a new quote form. For instance, let’s assume you need rates from Farmers, Esurance and GEICO. To find out each rate you need to visit each site to input your insurance information, which can take a lot of time.

    For a list of links to insurance companies in your area, click here.

  3. The hardest way to get rate quotes is to drive around to local insurance agencies. The internet makes this unnecessary unless you prefer the extra assistance that can only be provided by a licensed insurance agent. It is possible with some companies find lower rates online but still have the advice of a local agent.

Which method you use is up to you, but make darn sure you compare apples-to-apples coverage information for each comparison quote. If you enter mixed coverages you will not be able to get a fair rate comparison. Quoting even small variations in insurance coverages could skew the results. And when price shopping your coverage, comparing a wide range of rates increases the change that you will find the best offered rates. Not every company allows you to get online quotes, so you need to compare prices from them, too.

Car insurance rates and discounts

Companies that sell car insurance don’t necessarily list every policy discount in a way that’s easy to find, so we researched both the well known and the harder-to-find credits available to bring down your rates.

  • Drive Less and Save – Fewer annual miles on your Acura may enable drivers to earn cheaper prices.
  • Include Life Insurance and Save – Car insurance companies who offer life insurance give a discount if you purchase life insurance.
  • Save with More Vehicles Insured – Having multiple cars on the same car insurance policy could earn a price break for each car.
  • Paper-free Discount – Many companies will provide an incentive get insurance on the web.
  • Theft Deterent Discount – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • Discounts for Responsible Drivers – Drivers who don’t get into accidents can save as much as half off their rates for RSX coverage as compared to drivers with claims.
  • Accident Free – Drivers who stay claim-free can save substantially when compared to drivers with a long claim history.

Please keep in mind that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will lower your policy cost.

Popular car insurance companies and the discounts they provide are shown below.

  • Progressive has discounts for homeowner, continuous coverage, online signing, multi-vehicle, multi-policy, and good student.
  • MetLife may have discounts that include claim-free, defensive driver, multi-policy, accident-free, and good driver.
  • Mercury Insurance offers premium reductions for multi-policy, location of vehicle, good student, multi-car, and accident-free.
  • Nationwide includes discounts for multi-policy, good student, business or organization, accident-free, anti-theft, easy pay, and defensive driving.
  • GEICO offers discounts including seat belt use, daytime running lights, multi-policy, anti-theft, and membership and employees.
  • AAA has savings for good student, multi-car, anti-theft, good driver, and pay-in-full.

If you need lower rates, check with every company which discounts can lower your rates. All car insurance discounts might not apply everywhere. If you would like to choose from a list of car insurance companies with significant discounts, click this link.

Learn how to lower your insurance premiums

The best way to find cheaper insurance coverage is to take a look at the different types of things that aid in calculating your insurance coverage rates. If you have a feel for what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you lower premium levels.

Shown below are most of the major factors that factor into your rate level.

  • What’s your car’s IIHS safety rating? – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles protect occupants better and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Acura earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
  • What are your deductibles? – Physical damage coverage, aka comp and collision, is used to repair damage to your Acura. Examples of some claims that would be covered could be a broken windshield, vandalism, and rolling your vehicle. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket if a claim is determined to be covered. The more you pay before a claim is paid (deductible), the bigger discount you will receive for RSX coverage.
  • Avoid policy lapses – Driving without insurance is a big no-no and your next policy will cost more because you let your insurance lapse. Not only will you pay more, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license.
  • Incidental coverages you don’t need – Policies have additional extra coverages that you can buy when buying insurance coverage. Add-on coverages like replacement cost coverage, high-cost glass coverage, and extra life insurance coverage may not be needed and are just wasting money. They may seem good when deciding what coverages you need, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
  • Deter theft and lower prices – Choosing to buy a car with a theft deterrent system can help bring down rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.
  • Car and home together may be cheaper – Most major insurance companies will give better rates to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare other insurance prices to ensure the best deal. You may still be able to find lower rates even if you have your coverage with different companies
  • Single drivers take more risk – Having a wife or husband may save some money compared to being single. Marriage is viewed as being more responsible and insurance companies like that being married results in fewer claims.

Situations that may require an agent’s advice

When buying proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help you determine if you would benefit from professional advice.

  • Is a new car covered when I drive it off the dealer lot?
  • Should I bundle my homeowners policy with my auto?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • When does my teenage driver need to be added to my policy?
  • Will filing a claim cost me more?
  • I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Car insurance ads bend the truth

Big name companies like State Farm, GEICO and Progressive constantly bombard you with ads in print and on television. All the companies advertise claims about saving some big amount if you get a free insurance quote and switch your car insurance coverage to their company. Is it even possible that every company can cost less than your current company?

Insurance providers offer their best rates for the type of driver that will most likely be profitable. For instance, a desirable insured could possibly be over the age of 45, carries full coverage, and the vehicle is rated for pleasure use. Someone that matches those criteria will qualify for the lowest rates and most likely will save some money.

Drivers who fall short of this ideal profile may receive a more expensive rate which leads to the customer not purchasing. The wording the ads use say “customers that switch” not “all people who quote” save that much when switching. That’s the way companies can truthfully advertise the way they do. Because every company is different, you should compare as many free insurance quotes as you can. You cannot predict which car insurance company will have the lowest rate quotes.

Car insurance coverage information

Understanding the coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on most auto insurance policies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as funeral costs, ambulance fees, X-ray expenses and surgery. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as repair costs for stationary objects, funeral expenses, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Collision protection

Collision coverage will pay to fix damage to your RSX resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, colliding with a tree, hitting a parking meter, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like theft, fire damage and a broken windshield. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Acura RSX.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Have money to burn

When you buy insurance online, never reduce coverage to reduce premium. There are too many instances where an insured dropped liability limits or collision coverage only to regret that it was a big error on their part. The ultimate goal is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

Cost effective 2004 Acura RSX insurance is available on the web and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and most of the time these smaller providers prefer to sell through independent insurance agencies.

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