Lower Your 2005 Acura RSX Car Insurance Cost

Looking for the cheapest insurance rates for your Acura RSX? Finding the cheapest insurance for a new or used Acura RSX can be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to compare insurance rates and we’ll show you the best way to price shop coverage on a Acura and locate the best price possible either online or from local insurance agents.

If you have a policy now or are looking for a new policy, you can follow these tips to reduce the price you pay and still get good coverage. Finding affordable car insurance coverage is quite easy. Drivers just need to understand the tricks to shop online.

The quickest way to compare policy rates is to know the fact all the major auto insurance companies pay for the opportunity to give free rates quotes. The only thing you need to do is spend a couple of minutes providing details like if you lease or own, if you are currently licensed, how your vehicles are used, and if you require a SR-22. Those rating factors is instantly submitted to many of the top insurers and they provide comparison quotes instantly to find the best rate.

Cut prices on 2005 Acura RSX insurance

Insurance can cost an arm and a leg, but there could be available discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you quote, but a few must be requested specifically before you get the savings. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off for RSX coverage depending on your company.
  • Bundle and Save – When you have multiple policies with one company you will save 10% to 20% off each policy.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Acura can earn discounted rates on garaged vehicles.
  • Organization Discounts – Affiliation with a civic or occupational organization could trigger savings when buying auto insurance for RSX coverage.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Student Driver Training – Require your teen driver to enroll in driver’s education in school.

Keep in mind that most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will cut the cost of coverage.

For a list of companies offering auto insurance discounts, follow this link.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining whether you would benefit from professional advice.

  • What is an SR-22 filing?
  • Where can I find high-risk insurance?
  • Am I covered when pulling a rental trailer?
  • Should I put collision coverage on all my vehicles?
  • Is other people’s property covered if stolen from my vehicle?
  • What is UM/UIM insurance?
  • Does having multiple vehicles earn me a discount?
  • Do I have newly-aquired coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Some factors that can determine what Acura RSX insurance costs

Smart consumers have a good feel for the different types of things that go into determining the price you pay for insurance. Understanding what controls the rates you pay allows you to make educated decisions that could result in lower insurance prices.

  • Discounts for multiple policies – Most companies will give a discount to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare rates to make sure you are getting the best deal.
  • Big city or small town – Being located in a rural area has it’s advantages when buying insurance. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities tend to have congested traffic and longer commutes to work. Longer commute distances can result in more accidents.
  • Pleasure use or commuting – Driving more miles every year the more you will pay for insurance. Most companies apply a rate determined by how the vehicle is used. Vehicles left parked in the garage qualify for better rates compared to those used for work or business. An improperly rated RSX can cost quite a bit. Make sure your insurance coverage shows the proper vehicle usage.
  • Do men or women drive better? – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that women are better drivers. Men and women are in accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations such as DWI and reckless driving.
  • Rates may be higher depending on your occupation – Careers like judges, business owners and accountants have higher rates than average due to stressful work requirements and lots of time spent at work. On the flip side, occupations like farmers, athletes and retirees get better rates for RSX coverage.
  • What are your deductibles? – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Acura. A few examples of covered claims could be collision with another vehicle, vandalism, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend in the event of a claim. The more expense you have to pay, the lower your rates will be for RSX coverage.
  • Your spouse saves you money – Being married helps lower the price on your policy. It is viewed as being more responsible and statistics show being married results in fewer claims.
  • Older drivers pay less – Older insureds are more cautious drivers, file fewer claims and receive fewer citations. Teenage drivers are known to get distracted easily when behind the wheel therefore insurance rates are much higher.

Don’t be fooled by advertising claims

Consumers get pounded daily by advertisements that promise big savings by 21st Century, Allstate and State Farm. They all make an identical promise that you can save after switching to their company.

How do they all make almost identical claims?

Different companies have a preferred profile for the type of driver that makes them money. An example of a driver they prefer might be profiled as over the age of 40, is a homeowner, and drives less than 7,500 miles a year. Any driver who matches those parameters will get very good rates and as a result will probably save a lot of money.

Drivers who are not a match for the “perfect” profile must pay higher rates and ends up with the driver buying from a lower-cost company. The ads say “customers who switch” but not “drivers who get quotes” save money. That’s the way companies can state the savings.

This illustrates why you should compare as many rates as you can. It’s impossible to know which company will have the lowest Acura RSX insurance rates.

Car insurance specifics

Knowing the specifics of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Collision coverage

This covers damage to your RSX resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, rolling your car, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverages

This will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like structural damage, legal defense fees, funeral expenses, court costs and pain and suffering. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Comprehensive protection

This covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a broken windshield, fire damage, rock chips in glass, damage from flooding and damage from a tornado or hurricane. The most your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses like pain medications, EMT expenses, surgery, chiropractic care and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Shop smart and save

Cheap 2005 Acura RSX insurance is attainable on the web in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. In many instances, drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage for the lowest price.

We just presented many ideas to shop for insurance online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a small mutual company.

For more information, take a look at the resources below: