Lower Your 2003 Acura RSX Insurance Quotes

Looking for lower insurance rates for your Acura RSX? Confused by the number of insurance options? Many other drivers are as well. Drivers have so many options available that it can easily become a real hassle to find the lowest price.

Consumers need to check insurance prices occasionally because rates change frequently. Despite the fact that you may have had the lowest rates on RSX insurance last year there is a good chance you can find better rates now. Ignore everything you know about insurance because you’re about to learn the fastest and easiest way to reduce your cost while improving coverage.

Complexity of Acura RSX insurance rates

Smart consumers have a good feel for the factors that come into play when calculating the rates you pay for insurance. Understanding what controls the rates you pay helps enable you to make changes that could result in much lower annual insurance costs.

  • Pay less if you’re married – Getting married can get you a discount when buying insurance. Having a spouse means you’re more mature than a single person and it’s proven that drivers who are married are more cautious.
  • High credit ratings translate to low rates – A driver’s credit rating is a big factor in calculating your insurance rates. Consumers who have high credit scores tend to be less risk to insure than drivers with poor credit. If your credit history can use some improvement, you could potentially save money when insuring your 2003 Acura RSX by spending a little time repairing your credit.
  • Never allow your policy to lapse – Driving without insurance is illegal and your next policy will cost more because you let your insurance lapse. And not only will your rates increase, but not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Drive a safer car and pay less – Vehicles with high crash test scores get lower rates. Safer cars reduce injuries and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If your Acura has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Policy add-ons can waste money – There are quite a few extra coverages that you can buy if you aren’t careful. Insurance for roadside assistance, towing coverage and motor club memberships are some examples. These coverages may sound good when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
  • High numbers of claims are not good – If you file claims often, you can expect higher rates. Insurance companies generally give better rates to people who do not rely on their insurance for small claims. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.

Cut your car insurance rates with discounts

Car insurance companies don’t list every discount very clearly, so the following is a list of both well-publicized and also the lesser-known car insurance savings.

  • More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Accident Waiver – Some insurance companies will forgive one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less on RSX insurance than their less cautious counterparts.
  • Sign Early and Save – A few companies offer discounts for signing up before your current expiration date. It can save you around 10%.
  • Drivers Education – Require your teen driver to complete a driver education course if offered at their school.
  • Driver Safety – Completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.

It’s important to note that most discounts do not apply the the whole policy. Some only apply to individual premiums such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way.

Insurance companies who might offer these discounts are:

Check with each insurance company which discounts they offer. Discounts might not be offered in every state.

You are unique and your insurance coverage should be too

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique.

For example, these questions could help you determine if your insurance needs might need professional guidance.

  • Are there companies who specialize in insuring high-risk drivers?
  • Is pleasure use cheaper than using my 2003 Acura RSX to commute?
  • Is my teen driver covered when they drive my company car?
  • Is extra glass coverage worth it?
  • Are rental cars covered under my policy?
  • Is my Acura RSX covered if I use it for business?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Specific coverage details

Understanding the coverages of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like falling objects, hitting a bird and hail damage. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

This covers damage to your RSX resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Acura RSX.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for pain medications, prosthetic devices and nursing services. They are used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as medical expenses, repair costs for stationary objects, bail bonds and loss of income. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

A penny saved is a penny earned

When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where an insured dropped comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. Your strategy should be to get the best coverage possible at the best price while not skimping on critical coverages.

We covered many ways to shop for 2003 Acura RSX insurance online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the best prices are with the least-expected company.

Insureds change insurance companies for many reasons like poor customer service, denial of a claim, policy cancellation and even delays in paying claims. Regardless of your reason for switching companies, finding a great new company can be easier than you think.

Much more information about car insurance is located below: