Acura RSX Insurance – 6 Tricks to Cut Costs

Drivers have many options when trying to find low-cost Acura RSX insurance. You can either waste hours contacting agents getting price quotes or utilize the internet to compare rates.

There are both good and bad ways to compare auto insurance rates and you need to know the quickest way to get price quotes on a Acura and obtain the cheapest rates either online or from local insurance agents.

This information will familiarize you with the best way to quote coverages and some tips to save money. If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. But consumers do need to learn how big insurance companies compete online and use this information to your advantage.

How to Lower Your Auto Insurance Cost

All the larger auto insurance companies give coverage price quotes online. Getting online rates doesn’t take much effort as you simply enter the coverages you want as requested by the quote form. Upon sending the form, their system automatically retrieves reports for credit and driving violations and returns pricing information.

Being able to quote online simplifies rate comparisons, but the time it takes to visit different websites and fill out multiple forms can get tiresome after awhile. But it’s very important to get many rate quotes in order to find better auto insurance pricing.

The preferred way to locate the lowest prices utilizes a single form that analyzes rates from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes price shopping online much more enjoyable. As soon as the form is sent, it gets priced with multiple companies and you can pick your choice of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The whole process just takes a couple of minutes and you will find out if you’re overpaying now.

To get comparison pricing now, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you complete the form with the insurance coverages as shown on your current policy. This helps ensure you will receive comparison quotes based on the exact same insurance coverage.

Are auto insurance companies telling the truth?

Auto insurance providers like State Farm and Allstate constantly bombard you with television and radio advertisements. They all say the same thing that you’ll save big if you switch your policy. How do they all say the same thing? It’s all in the numbers.

All companies can use profiling for the driver that is profitable for them. For example, a preferred risk might be between the ages of 30 and 50, has no tickets, and has excellent credit. Any driver who fits that profile will get the preferred rates and as a result will probably save when switching.

Potential customers who don’t meet the requirements must pay higher prices and this can result in the driver buying from a lower-cost company. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can confidently advertise the savings.

This illustrates why it is so important to compare as many rates as you can. It’s impossible to know which auto insurance company will provide you with the cheapest rates.

Do you qualify for these six discounts?

The price of auto insurance can be rather high, but you may find discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but a few need to be specifically requested before you get the savings.

Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you will save at least 10% off all policies.
Government Employees – Being employed by or retired from a federal job may qualify you for a discount on RSX coverage with a few auto insurance companies.
Accident Free – Claim-free drivers pay much less compared to bad drivers.
Save with a New Car – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
Paperless Signup – Some insurance companies give back up to $50 for buying your policy over the internet.

It’s important to understand that some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky. But any discount will help reduce the amount you have to pay.

For a list of providers who offer auto insurance discounts, click here. car insurance quote

Compare online but buy from a local agent

Some consumers would rather sit down with an agent and that is a personal choice. One of the great benefits of comparing insurance prices online is the fact that you can find the best rates but still work with a licensed agent. And supporting local businesses is important particularly in smaller communities.

To find an agent, once you fill out this short form, the coverage information is immediately sent to insurance agents who will battle for your coverage. You don’t have to drive around as quotes are delivered to the email address you provide. It doesn’t get any easier! It’s the lowest rates and an insurance agent to talk to.

If you want to view licensed agents in your state, click here.

Picking an insurer shouldn’t rely on just the price. Ask your prospective agent these questions:

How long has their agency been open?
Does the agency provide any after hours assistance?
Does the agency have a good rating with the Better Business Bureau?
Who is covered by the car insurance policy?
Are there any discounts that you might be missing?
Do they specialize in personal lines coverage?

After receiving positive responses as well as a affordable price, it’s possible that you found an provider that is a good match to service your policy.

Car insurance is unique, just like you

When choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining if your situation may require specific advice.

Does liability extend to a camper or trailer?
Can I drive in Mexico and have coverage?
Do I need to file an SR-22 for a DUI in my state?
Am I covered when using my vehicle for business?
Am I covered when pulling a rental trailer?
Am I covered if I drive in a foreign country?
Are my friends covered when driving my Acura RSX?
Should I buy more coverage than the required minimum liability coverage?
Where can I get insurance after a DUI in my state?
Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverages explained

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Acura RSX.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are set the same as your liablity limits.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses for things like chiropractic care, X-ray expenses and pain medications. 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 as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

This pays for damage to your RSX resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, crashing into a ditch, crashing into a building, driving through your garage door and rolling your car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability

Liability coverage can cover injuries or damage you cause to other people or property. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as court costs, medical expenses, repair costs for stationary objects, bail bonds and legal defense fees. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Comprehensive auto insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, hail damage and fire damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

One last thing about your coverage

Affordable Acura RSX insurance is available both online and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some auto insurance companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

In this article, we covered some good ideas how to reduce Acura RSX insurance prices online. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the most savings is with some of the smallest insurance companies.

Drivers switch companies for any number of reasons including not issuing a premium refund, poor customer service, high rates after DUI convictions and being labeled a high risk driver. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.