2003 Acura RSX Insurance Rates

Looking for the cheapest insurance coverage rates for your Acura RSX? Paying cheaper premium rates for insurance coverage is quite difficult for people not familiar with online rate comparisons. Because there are so many insurance companies available, it can easily become a big hassle to find more affordable premium rates.

It’s important to price shop coverage every six months because prices are usually higher with each renewal. Just because you found the best deal for RSX insurance on your last policy you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to learn the fastest and easiest way to buy cheaper insurance coverage.

Quote insurance online

There are several ways you can shop for insurance and some are less time-consuming than others. You can spend your afternoon driving to insurance companies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Most of the best insurance companies participate in an industry program where prospective buyers submit their information once, and every company then gives them pricing based on that information. This saves time by eliminating quotation requests to each company.

To access this free quoting program, click here (opens in new window).

The single downside to getting quotes like this is that consumers can’t choose which carriers you want pricing from. If you wish to select individual companies to compare rates, we have a page of insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just do your best to use apples-to-apples deductibles and coverage limits for every company. If you use different coverage information it’s not possible to determine the best price for your Acura RSX. Even a minor difference in insurance coverages can mean a large discrepancy in price. And when comparing insurance rates, know that getting more free quotes will enable you to find better pricing.

Get lower-cost insurance coverage quotes with discounts

Companies that sell car insurance don’t always advertise all their discounts in an easy-to-find place, so the list below gives a summary of some of the best known as well as the least known discounts that you can inquire about if you buy insurance coverage online.

• Data Collection Discounts – Drivers who agree to allow driving data submission to scrutinize where and when they drive remotely like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if their driving habits are good.
• Early Switch Discount – A few insurance coverage companies give discounts for switching policies before your current coverage expires. It’s a savings of about 10%.
• Low Miles Discount – Keeping the miles down on your Acura could earn cheaper insurance coveragerates.
• Theft Prevention Discount – Cars optioned with advanced anti-theft systems help deter theft so companies will give you a small discount.
• Membership in Organizations – Being in specific professional or occupational memberships or organizations is a simple method to lower premiums on your next renewal.
• Senior Discount – If you qualify as a senior citizen, you may qualify for a slight reduction on a insurance coverage quote for RSX insurance.
• Military Rewards – Being on active deployment in the military could mean lower rates.
• Homeowners Discount – Simply owning a home can earn you a little savings because of the fact that having a home requires a higher level of personal finance.
• Drivers Ed for Students – Require your teen driver to enroll and complete driver’s education as it can save substantially.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

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

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there is no cookie cutter policy. Every situation is different.

For example, these questions may help highlight if you might need an agent’s assistance.

• Is business property covered if stolen from my car?
• What happens if I owe more than my 2003 Acura RSX is worth?
• Am I covered when pulling a rental trailer?
• When would I need rental car insurance?
• Do I need to file an SR-22 for a DUI in my state?
• What is covered by UM/UIM coverage?
• Do I need higher collision deductibles?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Auto insurance policy specifics

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Acura RSX.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability insurance

Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as court costs, medical services, legal defense fees, medical expenses and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, damage from a tornado or hurricane, hitting a deer, fire damage and hitting a bird. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

Collision coverage will pay to fix damage to your RSX resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, colliding with another moving vehicle, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses for dental work, X-ray expenses, chiropractic care and surgery. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay