2003 Acura RSX Insurance Rates – 5 Ideas for Best Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Shoppers have options when shopping for the lowest priced Acura RSX insurance. You can either spend your time contacting agents getting price quotes or leverage the internet to compare rates. There is a better way to compare car insurance rates and we’ll show you the quickest way to price shop coverage on a Acura and get the lowest possible price from local insurance agents and online providers.

Companies offer discounts so take them!

Companies offering auto insurance don’t always advertise all available discounts very clearly, so we researched some of the more common and the more hidden discounts you could be receiving. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Bundle and Save – If you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for RSX coverage than drivers with accidents.
  • Drivers Education – Require your teen driver to enroll in driver’s education in school.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident without raising rates if your claims history is clear for a certain period of time.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Acura could be rewarded with a substantially lower rate.

Keep in mind that some credits don’t apply to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of providers with discount insurance coverage rates, follow this link.

Do I just need basic coverages?

When choosing the right insurance coverage, there is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if you may require specific advice.

  • Does my 2003 Acura RSX need full coverage?
  • How high should my medical payments coverage be?
  • Is my cargo covered for damage or theft?
  • Is my camper covered by my car insurance policy?
  • What if I total my 2003 Acura RSX and owe more than it’s worth?
  • Am I missing any policy discounts?
  • Should I have combined single limit or split liability limits?
  • What can I do if my company denied a claim?
  • Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Drivers who switch save $468 a year? Really?

Consumers can’t get away from ads for cheaper car insurance from companies such as Allstate, GEICO and Progressive. They all make the same claim that you can save if you move your policy.

How do they all make almost identical claims?

Insurance companies can use profiling for the driver they prefer to insure. For example, a preferred risk might be between the ages of 40 and 55, has no driving citations, and has great credit. A customer who matches those parameters gets the lowest rates and most likely will save when switching.

Potential insureds who do not match the “perfect” profile will have to pay higher rates and this can result in the customer not buying. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. That’s why insurance companies can claim big savings. Because of the profiling, it’s extremely important to quote coverage with many companies. It’s not possible to predict which insurance companies will provide you with the cheapest Acura RSX insurance rates.

Learn about car insurance coverages for an Acura RSX

Having a good grasp of your car insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses for funeral costs, doctor visits and hospital visits. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Acura RSX.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as vandalism, hitting a deer, theft, falling objects and a tree branch falling on your vehicle. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability

Liability insurance can cover damage that occurs to other’s property or people. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things like court costs, medical expenses, medical services, pain and suffering and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision insurance

This coverage pays for damage to your RSX resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, sustaining damage from a pot hole, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Knowledge is power

You just read a lot of tips how to save on 2003 Acura RSX insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from a small mutual company.

Drivers switch companies for many reasons like extreme rates for teen drivers, not issuing a premium refund, being labeled a high risk driver or high prices. Regardless of your reason for switching companies, switching auto insurance companies is pretty simple and you could end up saving a buck or two.

When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

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