2005 Acura RSX Insurance Quotes

Want cheaper insurance coverage rates for your Acura RSX? Trying to find cheaper insurance for an Acura RSX can normally be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to compare insurance coverage rates and you need to know the best way to quote coverages for a new or used Acura and get the lowest possible price from both online companies and local agents.

Smart consumers take time to compare prices occasionally since insurance rates go up and down regularly. Despite the fact that you may have had the best rates for RSX coverage six months ago a different company probably has better rates today. So just forget all the misinformation about insurance coverage because it’s time to teach you how to use the internet to save money, get proper coverage and the best rates.

Locating the lowest cost coverage is simple if you know the tricks. If you have a policy now or need a new policy, you can use this information to get lower rates and still get good coverage. Consumers only need an understanding of how to shop their coverage around on the web.

Acura RSX insurance rates consist of many parts

Smart consumers have a good feel for some of the elements that help determine the rates you pay for insurance. Knowing what influences your rates enables informed choices that could result in big savings.

  • Frequent insurance claims increase rates – Car insurance companies give discounts to drivers who file claims infrequently. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Never go without insurance – Driving your car without having proper coverage is illegal and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, getting caught without coverage may earn you a hefty fine and possibly a revoked license.
  • Liability coverage protects you – Liability insurance will protect you in the event that a jury decides you are liable for damages from an accident. It provides legal defense which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
  • Your location affects your rates – Living in a small town can be a good thing when insuring your vehicles. City drivers have much more traffic and longer commute times. Fewer drivers means fewer accidents and also fewer theft and vandalism claims.
  • Bundling policies can get discounts – The majority of insurance companies will give a discount to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount, you still need to comparison shop to make sure you are getting the best deal. Consumers may find better rates by splitting coverages up.
  • Rates may be higher depending on your occupation – Did you know your job can affect your rates? Occupations like judges, social workers and dentists are shown to have the highest average rates attributed to high stress levels and lots of time spent at work. Other occupations such as farmers, historians and performers pay the least for RSX coverage.

Insurance Coverage Comparison Rates

Lowering your 2005 Acura RSX insurance coverage rates is actually quite simple. All you need to do is spend a little time to get quotes online with multiple companies. This can be done in a couple of different ways.

  1. The fastest way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This type of form keeps you from doing separate quotes for every insurance coverage company. One form will get you rate comparisons from many national carriers. It’s definitely the quickest method.
  2. A different way to get comparison quotes is spending the time to visit the website for every company you want to comare to complete their respective quote request forms. For example, let’s assume you want rates from Geico, 21st Century and GMAC. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

Whichever way you use, be sure to compare apples-to-apples coverages with every price quote. If the quotes have mixed coverages it’s not possible to truly determine the lowest rate.

Do car insurance companies bend the truth?

Drivers constantly see and hear ads for car insurance savings by companies like State Farm, Geico and Progressive. They all make an identical promise about savings if you change to them.

How do they all say the same thing? This is how they do it.

Different companies are able to cherry pick for the type of driver they prefer to insure. For example, a desirable insured might be profiled as between the ages of 30 and 50, a clean driving record, and has a short commute. A customer getting a price quote who fits that profile is entitled to the best price and therefore will cut their rates substantially.

Potential customers who fall outside these standards must pay higher premiums which usually ends up with the customer not buying. Company advertisements say “customers that switch” not “everyone that quotes” save that much. This is how insurance companies can advertise the way they do.

This illustrates why it’s extremely important to get as many comparisons as possible. You cannot predict which insurance companies will give you the biggest savings on Acura RSX insurance.

Do you qualify for discounts?

The price of auto insurance can be rather high, but you may find discounts that you may not even be aware of. Certain discounts will be applied when you get a quote, but some may not be applied and must be inquired about before you get the savings. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Low Mileage Discounts – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Life Insurance – Some companies give lower rates if you buy life insurance.
  • Homeowners Pay Less – Owning a house may trigger a insurance coverage policy discount because owning a home shows financial diligence.
  • Save with a New Car – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Defensive Driving Course – Completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Use Seat Belts – Requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Driver’s Ed – Require your teen driver to complete a driver education course if it’s offered in school.
  • Bundle and Save – When you have multiple policies with one insurance company you may earn at least 10% off all policies.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts when compared with bad drivers.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will cut the amount you have to pay.

A partial list of companies that may offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Some discounts may not be available in your state.

Don’t assume everyone needs the same coverage

When choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions could help you determine whether or not you might need an agent’s assistance.

  • I have a DUI can I still get coverage?
  • Am I covered when driving a rental car?
  • Am I missing any policy discounts?
  • When can my company non-renew my policy?
  • Is my state a no-fault state?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I afford to buy a different vehicle if my 2005 Acura RSX is totaled?
  • Do I need higher collision deductibles?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for funeral costs, EMT expenses, doctor visits, surgery and dental work. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Acura RSX.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are set the same as your liablity limits.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a building, crashing into a ditch, colliding with another moving vehicle, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, hitting a bird, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance

This provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as medical expenses, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Have money to burn

Lower-priced 2005 Acura RSX insurance can be bought online as well as from independent agents, so you should compare both to have the best rate selection. Some companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Consumers who switch companies do it for many reasons like delays in paying claims, policy cancellation, denial of a claim or unfair underwriting practices. It doesn’t matter why you want to switch finding the right insurance coverage provider is actually quite simple.

We just covered some good ideas how to compare insurance prices online. It’s most important to understand that the more you quote, the higher the chance of saving money. You may even find the most savings is with some of the lesser-known companies.

For more information, feel free to browse the resources below: