Lower Your 2006 Acura RSX Car Insurance Cost

Want the cheapest insurance coverage rates for your Acura RSX? Have you had enough of trying to scrape together enough money to insure your Acura every month? Your situation is no different than most other car owners. Many insurers vie for your hard-earned dollar, and it can be difficult to compare rates to get the best price available.

If you have a current car insurance policy or need a new policy, you can use these techniques to find the best rates and possibly find even better coverage. Finding affordable coverage is not rocket science. Consumers only need to know the most effective way to get comparison quotes online.

Discounts are great for lower rates

Insuring your vehicles can cost a lot, but you can get discounts that you may not know about. Some discounts apply automatically at the time you complete a quote, but some must be manually applied before you will receive the discount. If you don’t get every credit available, you’re just leaving money on the table.

Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts up to 30%.
Defensive Driving Course – Completing a defensive driving course could cut 5% off your bill if you qualify.
Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
Homeowners Savings – Owning a home can help you save on insurance because of the fact that having a home is proof that your finances are in order.
Good Student Discount – Getting good grades can earn a discount of 20% or more. This discount can apply well after school through age 25.
Discount for Life Insurance – Some companies give a break if you buy a life insurance policy as well.
Accident Forgiveness – A handful of insurance companies allow you one accident before your rates go up if your claims history is clear for a set time period.
Early Switch Discount – Some companies give discounts for signing up before your current expiration date. It’s a savings of about 10%.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky. But all discounts will help reduce your overall premium however.

For a list of companies with the best insurance discounts, click here.

You may need specialized coverage

When choosing the right insurance coverage, there isn’t really a best way to insure your cars. Every situation is different so this has to be addressed. For instance, these questions might help in determining whether or not you would benefit from an agent’s advice.

Can my babysitter drive my car?
Is business property covered if stolen from my car?
Will my vehicle be repaired with OEM or aftermarket parts?
How can I find cheaper teen driver insurance?
Am I covered when driving on a suspended license?
How high should my uninsured/underinsured coverage be in my state?
Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Can you really save $461 a year?

Consumers can’t ignore all the ads for cheaper car insurance by Geico, State Farm and Progressive. They all seem to have a common claim that you can save if you move to their company.

But how can every company make the same claim? This is how they do it.

All companies are able to cherry pick for the right customer that makes them money. For instance, a preferred risk might be profiled as over the age of 40, owns a home, and has excellent credit. A customer getting a price quote who matches those parameters is entitled to the best price and therefore will pay quite a bit less when switching companies.

Drivers who don’t meet this ideal profile will have to pay a higher premium and this can result in business not being written. Company advertisements say “drivers who switch” not “people who quote” save that much. That’s the way companies can claim big savings.

Because of the profiling, you should compare many company’s rates. It’s just too difficult to predict which insurance companies will provide you with the cheapest Acura RSX insurance rates.

Car insurance coverages for a 2006 Acura RSX

Understanding the coverages of your auto insurance policy can be of help when determining the right coverages for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most auto insurance policies.

Collision insurance

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2006 Acura RSX.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, rock chips in glass, hitting a bird and damage from getting keyed. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as doctor visits, surgery, X-ray expenses and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability

Liability coverage provides protection from damage or injury you incur to people or other property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like loss of income, attorney fees, medical expenses, emergency aid and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Better coverage you can count on

Affordable 2006 Acura RSX insurance can be found on the web as well as from independent agents, so you should compare both to have the best rate selection. A few companies don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.

When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at an affordable rate.