Cheap 2004 Acura RSX Insurance Rates

Tired of not being able to scrape enough together to pay high insurance coverage rates every month? You have the same problem as the majority of other vehicle owners. Since you have so many online and local companies to choose from, it can be challenging to locate the right insurance coverage company.

Pricing cheaper coverage is simple if you know the tricks. If you have insurance now or need a new policy, you can use these tips to find the best rates and possibly find even better coverage. Vehicle owners just need to know how to compare prices on the web.

How to buy auto insurance online

Effectively comparing auto insurance prices can be exhausting if you don’t know the most efficient way to do it. You can spend your afternoon talking about coverages with insurance agencies in your area, or you can utilize the web to get the quickest rates.

All the larger companies belong to an insurance system where prospective buyers enter their policy data once, and each company then returns a price quote for coverage. This prevents consumers from doing quote forms to each individual auto insurance company.

To compare pricing click here (opens in new window).

The only drawback to using this type of form is buyers cannot specifically choose which companies you want to price. If you wish to select individual companies to receive pricing from, we have assembled a list of the cheapest auto insurance companies in your area. Click to view list.

Compare rates however you want, just be certain you are entering apples-to-apples deductibles and coverage limits on every price quote you get. If you have unequal deductibles or liability limits it’s impossible to determine the best price for your Acura RSX.

Get affordable rates with these insurance discounts

Some providers don’t necessarily list all available discounts very well, so we break down a few of the more common and the more hidden discounts you could be receiving when you buy car insurance online. If you do not double check each discount available, you’re paying more than you need to.

  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it can save substantially.
  • Buy New and Save – Buying a new car instead of a used car can be considerably cheaper since new vehicles are generally safer.
  • Senior Citizen Discount – If you’re over the age of 55, you could receive reduced rates for RSX insurance.
  • Good Driver Discounts – Drivers who don’t get into accidents may save up to 50% more for RSX insurance than less cautious drivers.
  • Payment Method – By making one initial payment instead of making monthly payments you could save up to 5%.
  • Active Military Service – Being deployed in the military may lower your insurance rates slightly.

You should keep in mind that some credits don’t apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, that’s just not realistic.

Car insurance companies that may have most of the discounts above possibly include:

Before buying, ask all the companies which discounts you qualify for. Some of the earlier mentioned discounts might not be available to policyholders in every state. To locate providers with the best discounts, click here.

Car insurance can get complicated

When it comes to buying the best car insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different so your insurance should reflect that For example, these questions can help discover whether your personal situation might need an agent’s assistance.

  • Is my teen driver covered when they drive my company car?
  • Do I need more liability coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Why am I required to get a high-risk car insurance policy?
  • Does insurance cover damages from a DUI accident?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

How you can control Acura RSX insurance costs

A large part of saving on car insurance is knowing the factors that go into determining your car insurance rates. If you understand what positively or negatively impacts your premiums, this enables informed choices that will entitle you to lower rates. Lots of things are part of the equation when quoting car insurance. Some are pretty understandable such as traffic violations, but some are not quite as obvious like your vehicle usage or your financial responsibility.

  • Only buy incidental coverages you need – Policies have add-on coverages that you can get tricked into buying if you don’t pay attention. Coverages for replacement cost coverage, high-cost glass coverage, and membership fees are probably not needed. You may think they are a good idea at first, but your money might be better spent on other coverage so get rid of them and save.
  • Improve your credit score and save – Having a good credit rating can be an important factor in determining what you pay for car insurance. So if your credit rating can use some improvement, you could pay less to insure your 2004 Acura RSX by improving your credit score. Consumers who have excellent credit tend to be more responsible than drivers who have lower credit ratings.
  • Too many policy claims and you’ll pay more – If you are a frequent claim filer, you shouldn’t be surprised to get much higher rates or policy non-renewal. Insurance companies give most affordable rates to insureds that do not abuse their auto insurance. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Lower prices with GPS tracking and theft deterrents – Buying a car with an alarm system can help lower your premiums. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop car theft and help bring rates down.
  • Rates impacted by your city – Choosing to live in a rural area can be a good thing when buying car insurance. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims. People who live in big cities regularly have traffic congestion and longer commute times. The longer drive time means a statistically higher chance of an accident.
  • Females tend to take less risk – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. They both have at-fault accidents at a similar rate, but the males get into accidents with more damage. Men also tend to get higher numbers of serious violations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 have the highest risk to insure and therefore are the most expensive to insure.
  • Liability coverage risk factors in – Liability insurance is the protection if you are determined to be liable for an accident. Your policy’s liability insurance provides legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.

The car insurance bait and switch

Consumers can’t escape the ads that claim the best rates by Geico, State Farm and Progressive. They all seem to make an identical promise that people will save if you switch to them.

How does each company make the same claim? You have to listen carefully.

Insurance providers offer their best rates for the type of insured that earns them the highest profit. For instance, this type of driver might be described as over age 30, owns a home, and drives a safe vehicle. A customer who matches that profile will probably get cheap rates and will save a lot of money.

People who are not a match for the “perfect” profile will be charged higher prices and business going elsewhere. The trick companies use is to say “drivers that switch” but not “everyone who gets a quote” will save that much if they switch. This is how companies can advertise the way they do.

That is why you really need to compare free car insurance quotes often. It is impossible to predict the company that will have the lowest auto insurance rates for your situation.

Auto insurance 101

Learning about specific coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.

Auto liability insurance – Liability coverage will cover damage that occurs to other people or property. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as court costs, legal defense fees and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – This coverage covers damage to your RSX from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with a tree, sustaining damage from a pot hole, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Acura RSX.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for expenses for hospital visits, prosthetic devices, EMT expenses and surgery. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, rock chips in glass, hitting a bird and theft. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

A fool and his money are soon parted

As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. There are a lot of situations where an insured dropped liability limits or collision coverage only to discover later they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at a price you can afford, but do not sacrifice coverage to save money.

We’ve covered a lot of tips how to save on 2004 Acura RSX insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even find the best price on auto insurance is with the smaller companies. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

Cheaper 2004 Acura RSX insurance is definitely available online in addition to many insurance agents, and you should compare rates from both to have the best selection. There are still a few companies who may not provide online rate quotes and most of the time these smaller providers prefer to sell through independent insurance agents.

More detailed auto insurance information is available at these sites: