2003 Acura RSX Insurance Rates – 10 Discounts for Cheapest Quotes

Car insurance shopping is not a task consumers like to do, but regardless it’s required in order to drive legally.

It’s a great practice to price shop coverage at least once a year because prices are rarely the same from one policy term to another. Even if you think you had the best rates on RSX coverage a couple years back you can probably find a lower rate today. Starting now, forget all the misinformation about insurance coverage because you’re about to learn the fastest and easiest way to lower your annual insurance bill.

Discounts are great for lower rates

Car insurance companies don’t always publicize every available discount in an easy-to-find place, so here is a list some of the best known as well as the least known ways to save on insurance.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Save with a New Car – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Auto/Home Discount – If you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
  • Defensive Driving Course – Completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Claim Free – Good drivers with no accidents pay much less as compared to drivers who are more careless.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on RSX coverage than drivers with accidents.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way.

For a list of insurance companies with discount insurance rates, click this link.

You may need specialized coverage

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine whether you would benefit from professional advice.

  • How high should deductibles be on a 2003 Acura RSX?
  • What discounts do I qualify for?
  • Why is insurance for a teen driver so high?
  • What are the financial responsibility laws in my state?
  • When can my company non-renew my policy?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.

Insurance specifics

Having a good grasp of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Uninsured and underinsured coverage – This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 2003 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. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverages – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hail damage, hitting a deer, theft, falling objects and damage from flooding. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – This coverage pays for damage to your RSX caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a building and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability car insurance – Liability insurance will cover injuries or damage you cause to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as repair costs for stationary objects, bail bonds and loss of income. How much coverage you buy is your choice, but you should buy higher limits if possible.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills for rehabilitation expenses, surgery, funeral costs, doctor visits and nursing services. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover 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

In the end, you save

People who switch companies do it for many reasons like delays in responding to claim requests, unfair underwriting practices, extreme rates for teen drivers or questionable increases in premium. It doesn’t matter why you want to switch finding a new company is less work than it seems.

In this article, we covered many tips how you can shop for 2003 Acura RSX insurance online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the lowest rates come from an unexpected company.

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. In too many instances, consumers will sacrifice full coverage and learned later that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at the best price while not skimping on critical coverages.

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