2003 Acura RSX Insurance Quotes

Pretty sure you bought high-priced auto insurance? Don’t feel bad because you’re not alone. Multiple car insurance companies compete for your insurance dollar, so it’s not easy to compare every insurance company and uncover the absolute lowest cost out there.

Are you receiving every discount?

Some providers don’t always list all available discounts in an easy-to-find place, so we researched both well-publicized and the more hidden credits that you can use to lower your rates.

  • Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems are stolen less frequently and will qualify for a discount on a auto insurance quote.
  • Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase a life policy as well.
  • Lower Rates for Military – Having a deployed family member could mean lower prices.
  • E-sign – Some insurance companies give back up to $50 for buying a policy and signing up on the internet.
  • Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
  • Discounts for Cautious Drivers – Drivers who don’t get into accidents may save up to 50% more for RSX insurance than less cautious drivers.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, nobody gets a free ride.

If you would like to see a list of insurance companies with the best insurance discounts, click here.

How insurers calculate Acura RSX insurance premiums

It’s important that you understand some of the elements that go into determining the rates you pay for car insurance. If you know what impacts premium levels, this enables you to make decisions that can help you get much lower annual insurance costs. Multiple criteria are part of the calculation when you quote your car insurance policy. Most are fairly basic such as your driving record, but others are more obscure such as your credit history or your vehicle rating.

  • Your age impacts your costs – Young drivers are known to be more careless when driving and because of this, their car insurance rates are much higher. Older, more experienced drivers have been proven to be more responsible, statistically cause fewer accidents and tend to be get fewer driving tickets.
  • Higher coverage deductibles are cheaper – Protection for physical damage, aka comp and collision, protects your Acura from damage. Some instances where coverage would apply are running into the backend of another car, collision with an animal, and damage from a fallen tree branch. Physical damage deductibles are how much the insured will be required to pay if the claim is covered. The more you are required to pay out-of-pocket, the less your company will charge you for insurance for RSX insurance.
  • Your stress level may be raising your prices – Occupational choices like military generals, business owners and stock brokers generally pay higher premium rates in part from high stress and long work hours. Conversely, occupations such as farmers, historians and the unemployed get better rates for RSX insurance.
  • Men pay more for car insurance – The statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that females are better at driving than males. Both sexes tend to get into at-fault accidents in similar percentages, but guys tend to have more serious accidents. Not only that, but men also get higher numbers of serious violations like DWI (DUI) or reckless driving. Young men ages 16 to 20 generally have the highest accident percentage so it costs more to insure them.
  • Vehicles with better crash test results cost less to insure – Vehicles with good safety scores can get you lower premiums. Safer cars reduce the chance of injuries and better occupant protection translates directly to fewer claims and thus lower rates. If the Acura RSX is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
  • A lcar insurance policy lapse is a bad thing – Driving any period of time without insurance is not a good idea and car insurance companies will penalize you for letting your coverage have a gap. In addition to paying higher rates, failure to provide proof of insurance might get you fines or a revoked license.
  • High insurance claims frequency drives up premiums – Companies give lower rates to people that do not abuse their auto insurance. If you frequently file small claims, you can look forward to either higher rates or even cancellation. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Pay more by driving carelessly – Just one moving violation can increase rates twenty percent or more. Drivers with clean records receive lower rates than their less careful counterparts. Drivers with flagrant violations such as DWI, reckless driving or hit and run convictions might be required by their state to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.

When in doubt talk to an agent

When choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might help in determining whether or not you could use an agent’s help.

  • Should I bundle my homeowners policy with my auto?
  • What is roadside assistance coverage?
  • How does medical payments coverage work?
  • When would I need rental car insurance?
  • Can I make deliveries for my home business?
  • Does my medical payments coverage pay my health insurance deductible?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Can you really save if you switch?

Consumers can’t escape the ads that claim the cheapest rates from companies such as Allstate, Geico and Progressive. They all say the same thing that you can save if you move your insurance coverage to their company.

How is it possible that every company can cost less than your current company? It’s all in the words they use.

Different companies have strict underwriting profiles for the type of driver that earns them a profit. For instance, this type of risk profile might be described as between the ages of 40 and 55, has no prior claims, and does not commute to work. Any new insured who fits those characteristics will most likely get cheap car insurance rates and will most likely save quite a bit of money when switching.

Drivers who do not fit this stringent profile must pay a higher premium and ends up with the customer not buying. The wording the ads use say “drivers that switch” not “everyone that quotes” save that kind of money. This is how insurance companies can confidently claim big savings. Because of this risk profiling, drivers should compare price quotes frequently. Because without a comparison, you cannot know which insurance companies will have the best premium rates.

Car insurance coverage information

Learning about specific coverages of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages available from auto insurance companies.

Liability auto insurance

Liability coverage will cover damage that occurs to people or other property. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like repair costs for stationary objects, structural damage and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like backing into a parked car, damaging your car on a curb, driving through your garage door and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage covers 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 claims such as hitting a deer, hail damage, falling objects, damage from getting keyed and damage from a tornado or hurricane. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills like nursing services, pain medications and X-ray expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Acura RSX.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Save for a rainy day

When you buy auto insurance online, you should never skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed uninsured motorist or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at the best possible price but still have enough coverage for asset protection.

Some insurance companies do not offer the ability to get quotes online and usually these regional insurance providers provide coverage only through independent agents. Affordable 2003 Acura RSX insurance is available on the web in addition to local insurance agencies, so you should compare both to have the best chance of lowering rates.

Much more information about insurance coverage is located on the following sites: