Being forced to pay for pricey car insurance premiums can eat up your funds and make it hard to pay other bills. Doing a rate analysis is free and is an excellent way to make sure you’re not throwing money away.
Big companies like State Farm, Allstate, Geico and Progressive all promote huge savings with ad campaigns and it is difficult to ignore the propoganda and do the work needed to find the best deal.
There are multiple methods to shop for insurance coverage, but one way is less time-consuming than others. You could waste a few hours discussing policy coverages with agents in your area, or you can stay home and use online quoting to get the quickest rates.
Most of the larger companies belong to an insurance system that enables customers to enter their policy data once, and at least one company can provide price quotes. This saves time by eliminating quote forms for each company you want a rate for.
To submit your quote information now, click here to open in new window.
The only downside to using this type of form is you are unable to specify the providers to get pricing from. So if you prefer to choose from a list of companies for rate comparison, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.
It’s your choice how you get your quotes, but ensure you are comparing the same quote data for every company. If your comparisons have different coverage information it’s impossible to decipher which rate is best. Just slight variations in limits can make a big difference in price. And when quoting insurance coverage, remember that quoting more will enable you to find lower pricing.
Some providers do not advertise all their discounts in an easy-to-find place, so the list below contains both the well known and the harder-to-find discounts that may be available.
As is typical with insurance, most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, nobody gets a free ride. Any qualifying discounts will help reduce your policy cost.
Car insurance companies that may include these discounts are:
Double check with every prospective company how you can save money. Some of the discounts discussed earlier might not apply in your area. To choose insurance companies with discount car insurance rates, click this link.
When choosing adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can help discover if you may require specific advice.
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier
The best way to find cheaper insurance is to take a look at the factors that are used to determine the rates you pay for insurance. When you know what positively or negatively determines premiums, this allows you to make educated decisions that could result in better insurance rates. Lots of factors are used in the calculation when pricing auto insurance. Most are fairly basic such as traffic violations, but some are more obscure such as your credit history or your vehicle rating.
Respected companies like Geico, State Farm and Progressive constantly bombard you with television, radio, and online ads. They all advertise claims that drivers can save some big amount if you get a free auto insurance quote and switch to them. How can each company charge you less for car insurance? You have to listen carefully.
All the different companies have a preferred profile for a prospective insured that will add to their bottom line. One example of a desirable insured might be over the age of 50, has a clean driving record, and drives a lower-performance vehicle. Any person who fits those characteristics may get the lowest prices and will pay quite a bit less when switching companies.
Potential insureds who do not fit these criteria will probably have to pay higher premium rates and this can result in the customer buying from someone else. The wording the ads use say “people who switch” not “everyone who quotes” save that kind of money. This is how companies can advertise the savings. Because of these techniques, you absolutely need to do a price quote comparison at every renewal. It’s not possible to predict the company that will have the best premium rates for your profile.
Understanding the coverages of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.
Comprehensive (Other than Collision)
Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as hail damage, vandalism, damage from flooding, hitting a deer and rock chips in glass. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Medical expense insurance
Medical payments and Personal Injury Protection insurance kick in for expenses for things like ambulance fees, doctor visits and nursing services. They are often utilized in addition to your 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 getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay
This covers damage to your RSX from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims like hitting a mailbox, hitting a parking meter, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.
Protection from uninsured/underinsured drivers
This provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Acura RSX.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.
This can cover injuries or damage you cause to other people or property. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.
Liability can pay for things like emergency aid, court costs, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.
Discount 2006 Acura RSX insurance is available both online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get quotes online and many times these small, regional companies only sell through independent agents.
When shopping online for insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped liability coverage limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.
Additional insurance information can be read at these links: