Save on 2002 Acura RSX Insurance Quotes

Are you tired of robbing Peter to pay Paul to buy car insurance? You are no different than the majority of other car owners.

Many insurance companies vie to insure your vehicles, and it can be difficult to compare rates to get the lowest price

It’s a good idea to check insurance coverage prices before your policy renews since rates are variable and change quite frequently. Even if you got the best rates on RSX insurance on your last policy there is a good chance you can find better rates now. There is too much inaccurate information about insurance coverage online but we’re going to give you a bunch of ideas how to quit paying high insurance coverage rates.

What determines your Acura RSX insurance premium

Consumers need to have an understanding of the factors that come into play when calculating your insurance coverage rates. Knowing what impacts premium levels allows you to make educated decisions that could result in better insurance coverage rates.

  • Do you know your deductibles? – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Acura from damage. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and windstorm damage. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance on RSX insurance.
  • Discounts for multiple policies – Many insurance companies give discounts to insureds who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to compare rates to make sure you are getting the best deal. You may still find a better deal by buying insurance coverage from a different company.
  • Don’t let your coverage lapse – Driving your car without having proper coverage can get your license suspended and you will pay a penalty because you let your insurance lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.
  • Big city or small town – Choosing to live in less populated areas can be a good thing when buying insurance coverage. Less people living in that area means a lower chance of having an accident. Drivers in populated areas tend to have much more traffic to deal with and much longer commute distances. Longer commute distances means higher likelihood of an accident.
  • Equipment add-ons that lower insurance coverage rates – Owning a car with anti-theft technology or alarm system can help bring down rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
  • More claims means more premium – If you file claims often, you can expect either policy cancellation or increased premiums. Insurance companies give better rates to drivers who do not rely on their insurance for small claims. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
  • Your stress level may be raising your rates – Occupations such as lawyers, architects and accountants tend to pay higher rates than average in part from stressful work requirements and lengthy work days. On the flip side, professions such as scientists, athletes and the unemployed have the lowest average rates on RSX insurance.
  • Are you male or female? – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes have accidents at a similar rate, but the male of the species cause more damage. Men also tend to receive more costly citations such as DWI and reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.

Comprehensive Car Insurance Comparison

Comparing car insurance rates can be a lot of work if you don’t know the easiest way. You could spend your day discussing policy coverages with local insurance agents in your area, or you could save time and use online quotes to get the quickest rates.

Many companies participate in an industry program where prospective buyers send in one quote, and each participating company provides a quote. This system prevents you from having to do repetitive form submissions for every car insurance company.

To use this form to compare 2002 Acura RSX insurance rates click here (opens in new window).

The one disadvantage to doing it this way is you are unable to specify the insurers to get pricing from. So if you want to select individual companies to request quotes from, we have a listing of car insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but compare identical coverages on every quote you get. If you use higher or lower deductibles it’s impossible to truly determine the lowest rate. Slightly different coverages can mean a large discrepancy in price. Keep in mind that having more price comparisons helps you find better pricing.

Lower rates by qualifying for discounts

The price of auto insurance can be rather high, but companies offer discounts that you may not even be aware of. Some discounts apply automatically at the time of quoting, but less common discounts must be requested specifically in order for you to get them.

  • Accident Waiver – A handful of insurance companies permit an accident before your rates go up if your claims history is clear for a set time period.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Passive Restraint Discount – Vehicles with factory air bags can receive discounts of more than 20%.
  • Save over 55 – If you qualify as a senior citizen, you may receive reduced rates on RSX insurance.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
  • College Student – Any of your kids who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Acura could qualify for better rates on cars that stay parked.

Consumers should know that some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts will bring down your overall premium however.

For a list of companies offering insurance discounts, click this link.

Car insurance is unique, just like you

When choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique so your insurance should reflect that For example, these questions might point out if you may require specific advice.

  • When can I cancel my policy?
  • What is the difference between comprehensive and collision coverage?
  • Do I have coverage if my license is suspended?
  • Do I need higher collision deductibles?
  • Am I covered when using my vehicle for business?
  • What is the minimum liability in my state?
  • When would I need additional glass coverage?
  • Do all my vehicles need collision coverage?
  • Should I waive the damage coverage when renting a car?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance coverages explained

Knowing the specifics of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like X-ray expenses, chiropractic care, pain medications, funeral costs and doctor visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Acura RSX.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually these coverages are similar to your liability insurance amounts.

Coverage for liability

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

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as repair bills for other people’s vehicles, medical services, pain and suffering, medical expenses and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision protection

This pays for damage to your RSX resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a mailbox, scraping a guard rail, sideswiping another vehicle, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, falling objects and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

In Summary

Discount 2002 Acura RSX insurance is definitely available both online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

In this article, we presented quite a bit of information on how to shop for insurance online. The key concept to understand is the more you quote, the better your comparison will be. You may even find the best prices are with a lesser-known regional company. They may only write in your state and offer lower rates than their larger competitors like State Farm, Geico and Nationwide.

When you buy insurance online, make sure you don’t buy poor coverage just to save money. In too many instances, someone sacrificed uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage for the lowest price while still protecting your assets.

Additional information is located at the links below