Save on 2006 Acura RSX Insurance Rates

Looking for the cheapest insurance rates for your Acura RSX? Finding the cheapest insurance for an Acura RSX can turn out to be difficult, but you can follow the following methods to find lower rates.

There is a right way and a wrong way to shop for insurance and we’ll show you the proper way to price shop coverage on a Acura and get the cheapest rates.

Are you getting all your discounts?

Car insurance is not cheap, but you may find discounts that you may not know about. Most are applied at quote time, but some must be manually applied before you will receive the discount. If you don’t get every credit available, you are paying more than you should be.

  • Paperwork-free – Certain companies will give a small break simply for signing over the internet.
  • No Claims – Drivers with accident-free driving histories pay less when compared to bad drivers.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Memberships – Belonging to a civic or occupational organization is a good way to get lower rates when shopping for insurance coverage on RSX insurance.
  • Safe Drivers – Insureds without accidents may save up to 50% more on RSX insurance than their less cautious counterparts.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you will save at least 10% off all policies.
  • Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Defensive Driver – Successfully completing a defensive driving course could cut 5% off your bill if your company offers it.
  • College Student – Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.

Drivers should understand that most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. Any amount of discount will bring down the amount you have to pay.

Insurance companies that possibly offer these money-saving discounts include:

Double check with every prospective company which discounts you may be entitled to. Savings may not be available in your area.

How to Compare Insurance Coverage Quotes

Finding a better price on insurance coverage can be surprisingly simple. All you need to do is spend a few minutes to get quotes online from several insurance companies. This can be done in several different ways.

One of the simplest ways to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do separate quotation requests for each company. Filling out one form will return price quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.

A different way to obtain and compare quotes online is to manually visit each company website and request a quote. For instance, we’ll pretend you want rates from Auto-Owners, State Farm and Progressive. You would have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.

It’s up to you which method you use, but double check that you are using the exact same information for each price quote. If the quotes have unequal deductibles or liability limits it will be very difficult to make an equal comparison.

Tailor your coverage to you

When choosing the right insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if you may require specific advice.

  • Will my rates increase for filing one claim?
  • Exactly who is provided coverage by my policy?
  • When should I drop full coverage on my 2006 Acura RSX?
  • Why is insurance for a teen driver so high?
  • Am I covered when driving someone else’s vehicle?
  • Which companies will insure high-risk drivers?
  • Should I sign the liability waiver when renting a car?
  • Is my 2006 Acura RSX covered for flood damage?
  • Am I covered if my car is in a flood?
  • How high should deductibles be on a 2006 Acura RSX?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance policy coverages for an Acura RSX

Having a good grasp of your policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like X-ray expenses, hospital visits, nursing services, surgery and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability insurance

Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

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. Your policy might show limits of 25/50/25 which means $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. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical expenses, funeral expenses, medical services, court costs and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Collision insurance

Collision coverage covers damage to your RSX resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with another moving vehicle, hitting a mailbox, sustaining damage from a pot hole, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage

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 then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, hail damage, hitting a deer and damage from a tornado or hurricane. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Saving money makes a lot of cents

Drivers leave their current company for a variety of reasons including high rates after DUI convictions, poor customer service, extreme rates for teen drivers or even questionable increases in premium. It doesn’t matter why you want to switch switching car insurance companies can be pretty painless.

Cost effective 2006 Acura RSX insurance can be purchased online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed full coverage to discover at claim time that it was a big mistake. Your strategy should be to get the best coverage possible for the lowest price, not the least amount of coverage.

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