How Much Does 2002 Acura RSX Insurance Cost?

Want the cheapest car insurance rates for your Acura RSX? Are you sick and tired of paying out the nose to pay your car insurance bill each month? You’re in the same situation as many other drivers.

Many insurers compete for your business, so it can be very hard to choose a provider and get the best coverage at the lowest cost out there.

It’s a good habit to compare prices at least once a year since insurance rates are variable and change quite frequently. Even if you got the best deal for RSX coverage on your last policy there may be better deals available now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the quickest way to eliminate unnecessary coverages and save money.

Insurance Coverage Prices

Shopping for lower insurance coverage rates can take hours if you don’t understand the fastest way to get free quotes. You can spend your afternoon driving to agents in your area, or you could save time and use online quoting to get rates in a matter of minutes.

All the larger companies enroll in a system where insurance shoppers submit one quote, and each participating company returns a rated price based on that data. This prevents consumers from doing quote forms for each company you want a rate for.

To find out how much you can save on insurance coverage click here to start a free quote.

The only downside to pricing coverage this way is that you can’t choose which providers to get quotes from. If you prefer to choose individual companies to compare, we have a page of companies who write insurance coverage in your area. Click to view list.

However you get your quotes, double check that you are using identical coverage information with each company. If you have different deductibles then you won’t be able to truly determine the lowest rate. Having just a slight variation in coverages can result in a big premium difference. And when comparing insurance coverage rates, know that comparing more company’s prices provides better odds of finding the best offered rates.

Don’t assume everyone needs the same coverage

When it comes to buying the best car insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that For example, these questions can aid in determining if you may require specific advice.

• Why am I required to get a high-risk car insurance policy?
• Is a fancy paint job covered?
• Should I sign the liability waiver when renting a car?
• Is other people’s property covered if stolen from my vehicle?
• What happens if I owe more than my 2002 Acura RSX is worth?
• Can I pay claims out-of-pocket if I buy high deductibles?
• When would I need additional glass coverage?
• Does my personal policy cover me when driving out-of-state?
• Are my friends covered when driving my 2002 Acura RSX?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Auto insurance specifics

Having a good grasp of a auto insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types available from auto insurance companies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like pain medications, ambulance fees and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Acura RSX.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Liability car insurance

Liability insurance will cover damage that occurs to other people or property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like bail bonds, repair bills for other people’s vehicles, court costs and attorney fees. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, hitting a deer, vandalism, hitting a bird and theft. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

Collision coverage pays for damage to your RSX resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with another moving vehicle, hitting a parking meter, hitting a mailbox, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.