2003 Acura RSX Insurance Quotes – 6 Savings Tips

Looking for cheaper insurance coverage rates for your Acura RSX? Nobody likes paying for insurance coverage, particularly when they are paying too much.

Online insurance companies like Geico, Progressive and Allstate continually bombard you with TV and radio ads and it can be hard to ignore the propoganda and take the time to shop coverage around.

Compare Quotes for Insurance

Comparing insurance rates is a ton of work if you aren’t aware of the best way to get rate quotes. You can spend countless hours talking about coverages with local insurance agents in your area, or you can utilize online quotes to get pricing more quickly.

Many popular insurance companies participate in an industry program where insurance shoppers enter their coverage request one time, and at least one company then gives them pricing based on that data. This prevents consumers from doing repetitive form submissions to every company.

To get comparison pricing now click here to start a free quote.

The single downside to using this type of system is you can’t choose the companies to get pricing from. So if you prefer to pick individual companies to compare, we have a listing of insurance companies in your area. Click here to view list.

Which method you use is up to you, but make absolute certain that you use identical quote information with each company. If you are comparing different limits and deductibles on each one then you won’t be able to determine which rate is truly the best. Quoting even small variations in limits can make a big difference in price. It’s important to know that obtaining a wide range of quotes helps locate the best rates.

Save 15 percent in 15 minutes? Is it for real?

Insurance coverage companies such as Allstate, Geico and Progressive regularly use ads on television and other media. They all seem to have a common claim of big savings if you move your coverage to them. How do they all make the same claim? It’s all in the numbers.

Different companies have a certain “appetite” for the right customer that earns them a profit. For example, a desirable insured could be between the ages of 30 and 50, owns a home, and has excellent credit. A driver who matches those parameters receives the best rates and as a result will probably save a lot of money.

Consumers who don’t qualify for the “perfect” profile must pay a more expensive rate and this can result in business not being written. The ad wording is “customers that switch” but not “drivers who get quotes” save that kind of money. That is how companies can truthfully make those claims. This illustrates why it is so important to compare many company’s rates. It’s not possible to predict the company that will give you the biggest savings on Acura RSX insurance.

Discounts are available to cut your rates

Companies that sell car insurance don’t necessarily list every discount in an easy-to-find place, so here is a list both well-publicized as well as the least known discounts you could be receiving.

  • Air Bag Discount – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Payment Method – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiration. The savings is around 10%.
  • Accident Free – Drivers who don’t have accidents can earn big discounts when compared with bad drivers.
  • Low Mileage Discounts – Keeping the miles down on your Acura can qualify you for a substantially lower rate.
  • Save over 55 – Mature drivers may receive a small decrease in premiums for RSX insurance.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like you could get a free auto insurance policy, you’re out of luck.

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

Everyone needs different coverages

When it comes to choosing the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. These are some specific questions may help you determine if your insurance needs will benefit from professional help.

  • Is my 2003 Acura RSX covered for flood damage?
  • Do I need to file an SR-22 for a DUI in my state?
  • I don’t drive much so do I pay less?
  • What is the minimum liability in my state?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I buy more coverage than the required minimum liability coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance coverages 101

Having a good grasp of a insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a bird, a broken windshield, hail damage and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like EMT expenses, funeral costs and prosthetic devices. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 2003 Acura RSX.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as court costs, medical services, funeral expenses, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

Collision insurance pays for damage to your RSX resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, rolling your car, colliding with another moving vehicle, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

A tidy conclusion

The cheapest 2003 Acura RSX insurance can be found on the web in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

Throughout this article, we presented many tips how you can reduce insurance prices online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest premiums are with a lesser-known regional company. These companies often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

As you prepare to switch companies, never sacrifice coverage to reduce premiums. In many instances, an accident victim reduced full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Additional auto insurance information is available at the links below