How Much Does 2002 Acura RSX Car Insurance Cost?
If you’re looking for lower-priced insurance online, are you baffled by the number of auto insurance sources in your area? Many other drivers are too. consumers have so many options that it can quickly become a challenge to lower your prices.
Six tips to get lower-cost insurance premiums
Multiple criteria are taken into consideration when quoting car insurance. Some are obvious such as traffic violations, but some are less apparent like your continuous coverage or how safe your car is.An important part of buying insurance is that you know the factors that are used to determine the level of your policy premiums. If you understand what determines premiums, this helps enable you to make changes that will entitle you to much lower annual insurance costs.
The list below includes most of the major factors used by companies to determine your rates.
- Eliminate unneeded extra coverages – There are a lot of extra coverages that can waste your money if you aren’t diligent. Coverages for coverage for rental cars, towing, and extra life insurance coverage are probably not needed. These coverages may sound good when discussing your needs, but if you’ve never needed them in the past get rid of them and save.
- Tickets will cost you – A bad driving record has a big impact on rates. Having just one driving citation can increase the cost of insurance by as much as thirty percent. Drivers with clean records get better prices than their less careful counterparts. People who have multiple violations such as reckless driving, hit and run or driving under the influence might be required by their state to maintain a SR-22 to the state department of motor vehicles in order to keep their license.
- Filing insurance claims can cost you more – Auto insurance companies award lower rates to insureds who are claim-free. If you file a lot of claims you can expect either policy cancellation or increased premiums. Your car insurance is designed for claims that pose a financial burden.
- Mature drivers pay less – Young drivers are statistically proven to be easily distracted when driving with friends so they pay higher insurance rates. Older drivers are viewed as being more responsible, cause fewer claims and accidents , and are generally more financially stable.
- Guys pay higher prices – Statistics show that females take fewer risks when driving. This data doesn’t prove that men are worse drivers. Men and women have accidents at a similar rate, but men tend to have higher claims. Not only are claims higher, but men get more serious tickets like DWI (DUI) or reckless driving.
- Lower mileage equals lower premium – The more you drive each year the more you will pay for insurance. Almost all companies calculate prices partially by how you use the vehicle. Cars left parked in the garage qualify for better rates than cars that get driven a lot. It’s a smart idea to ensure your insurance policy correctly shows annual mileage. Improper usage on your RSX may be costing you.
The quickest method to compare insurance rates from multiple companies is to know all the major auto insurance companies participate in a system to give free rates quotes. To begin a comparison, all you need to do is provide a small amount of information including how much education you have, your job, if you’re married, and which vehicles you own. Those rating factors gets sent immediately to multiple companies and you get price estimates very quickly.
To compare multiple company rates now, click here and enter your coverage details.
Take advantage of every insurance discount
Insurance is expensive, but there’s a good chance there are discounts to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but a few must be requested specifically before you will receive the discount. If you are not receiving all the discounts you qualify for, you may be paying too high a price.
- Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save a little on the premium charged for medical payments and/or PIP.
- Pay Early and Save – If you pay your bill all at once instead of monthly or quarterly installments you may have a lower total premium amount.
- Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may earn 10% to 20% off each policy.
- Homeowners Savings – Simply owning a home can save you money since home ownership demonstrates responsibility.
- E-sign Discounts</strong – Many insurance companies provide a small discount for buying your policy online.
As a sidenote, many deductions do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way.
Insurance companies that have these discounts include:
Check with each company or agent how many discounts you can get. Some discounts may not be available in your area.
How to know if you need help
When it comes to choosing the best car insurance coverage, there really is no cookie cutter policy. Every situation is different.
For instance, these questions may help highlight if your situation would benefit from professional advice.
- Can I afford low physical damage deductibles?
- When would I need additional glass coverage?
- Is my nanny covered when driving my vehicle?
- How high should my medical payments coverage be?
- Am I covered if I break a side mirror?
- Is my camper covered by my car insurance policy?
- What are the financial responsibility laws in my state?
- When can my company non-renew my policy?
If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.
Learn about auto insurance coverages for a 2002 Acura RSX
Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.
Insurance for medical payments
Coverage for medical payments and/or PIP kick in for bills such as funeral costs, EMT expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as hitting a bird, theft, a broken windshield and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Coverage for collisions
This coverage pays for damage to your RSX from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as sideswiping another vehicle, backing into a parked car, hitting a parking meter, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.
Liability coverage
This protects you from damage that occurs to other people or property. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.
Liability coverage pays for things like funeral expenses, medical expenses, legal defense fees, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Acura RSX.
Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.
More effort can pay off
When shopping online for insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at the best cost, but do not sacrifice coverage to save money.
Drivers switch companies for many reasons like questionable increases in premium, policy cancellation, lack of trust in their agent or even not issuing a premium refund. Regardless of your reason, finding a new company is easier than you think.
In this article, we covered a lot of ways to shop for 2002 Acura RSX insurance online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting low cost auto insurance. Consumers could even find that the best price on insurance is with a lesser-known regional company.
Additional insurance information can be found at the links below
- Learn About Car Insurance (Geico)
- All About Airbag Safety (State Farm)
- Rollover Crash FAQ (iihs.org)
- Shopping for a Safe Car (Insurance Information Insitute)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
Rayford Tran
Hope my car insurance gets cheaper. I live just outside Madison, WI. I got free prices from AAA, Esurance, and Sentry for my RSX and saved $114 a year. Insured with The General before. It’s too old for full coverage.
Cyndy Boyer
I live on the south side of San Antonio, Texas. Got car insurance prices from Auto-Owners, Safeco, and some smaller one I can’t remember the name of for my Acura and saved just over $90 a year. Not sure about claim service.
Reagan Valenzuela
I was with Hartford last year but switched to GEICO. I’m from Las Cruces, New Mexico. Insured with Eastwood before.
Erick Wong
Here’s what I found out. From north side of Rockford, Illinois. Got car insurance rates from Travelers, Amica, GMAC, and Mercury for my RSX and cut my rates about $120 a year. Left State Farm to switch. I get lower rates because of my clean driving record. Bought it from an online quote.
Antonio Salazar
Where is cheaper car insurance? Quoted with USAA for my 2002 Acura RSX and am saving around $100 a year. Insured with GMAC before. Not sure if rates are cheaper online or not.
Carl Lindsay
In Newark, Delaware try Allstate or GEICO. Both had decent prices.
Adam Holman
I got quite a few price quotes for a 2002 Acura RSX in Jersey City, NJ. Ended up at darn near $110 every six months with Amica. Even increased my liability limits.
Alfreda Church
From Parkersburg, West Virginia. Quoted with Mercury, Esurance, Allstate, and Auto-Owners for my Acura and saved around $90 a year. I have several vehicles insured with them. I recommend comparing lots of rates. Not worth enough to pay for comprehensive and collision.
Charlyn George
GEICO is pretty cheap in New Jersey! :)
Eva Stafford
2002 Acura RSX + Progressive = CHEAP! At least inLouisiana anyway.
Tanner Lott
If you’re a decent driver and live in the vicinity of Colorado Springs, CO, check out 21st Century. I saved quite a bit. Was with Hartford. I used their website to get prices.
Denita Calderon
Mine is so expensive. Located in Manchester, NH. Compared quite a few companies. Saved right around $30 a month. GEICO was the cheapest for me. A clean driving record helps. Just go online and compare their rates. Next renewal I’ll just do liability.
Roselyn Carroll
Nice post. From Oklahoma City, OK. I quoted with GEICO, AAA, and some I forget for my 2002 Acura RSX and saved $115 a year. Was with 21st Century. I used their website to get prices. Book value doesn’t justify full coverage anymore.
Viki Patel
Cheap car insurance? What’s that? I live on the west side of Chesapeake, VA. I don’t recall every quote but I ended up saving about $10 each month. Hopefully won’t need it. I only have liability coverage on it.
Lieselotte Stone
Great site. I’m in the suburbs of Rochester, Minnesota. Quoted rates from Amica, Safeco, and some smaller one I can’t remember the name of for my 2002 Acura RSX and saved just over $60 a year. BTW speeding tickets are not good. God forbid I actually have a claim.
Rosetta Lambert
Live in Charlotte, North Carolina. Quoted quotes with GEICO, Encompass, and Hartford for my 2002 Acura RSX and saved $71 a year. Was with Western Auto Insurance. Might find lower rates online.
Solomon Melendez
Here’s my quote info. From Allentown, PA. Can’t remember who all I quoted but I ended up saving about $20 each month. Left Mercury to switch. I have kids on my policy, too. Still almost need a second mortgage.
Agatha Gibbs
Not sure if this is cheap. Proud to be from Las Cruces, NM. Checked online prices for a 2002 Acura RSX. Ended up at about $70 savings annually. Went with 21st Century. Not sure if rates are cheaper online or not. Book value doesn’t justify full coverage anymore.
Modesta Padilla
Is Progressive or State Farm cheaper in Denver, CO?
Osvaldo Mcdaniel
If you have a clean record and live near Aurora, Illinois, check out Allstate. I saved quite a bit. Switched homeowners coverage too. I don’t insure for physical damage though.