Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Trying to find the cheapest auto insurance rates for your Acura RSX? Finding more affordable premium rates for auto insurance can be difficult for people who are beginners to online rate comparisons. Because there are so many insurers to choose from, it can easily be hard work to compare prices.

Finding the best rates is not rocket science. If you currently have car insurance, you should be able to reduce your rates substantially using these methods. Nevertheless, drivers can benefit by having an understanding of how big insurance companies compete online.

Reduce insurance rates with these tips

Smart consumers have a good feel for some of the things that help determine the level of your policy premiums. If you have a feel for what determines base rates, this empowers consumers to make smart changes that may reward you with big savings.

The itemized list below are most of the major factors used by companies to determine premiums.

  • Accidents drive up costs – How you drive has a huge affect on how much you pay. Just one speeding ticket may increase your cost substantially. Careful drivers tend to pay less for car insurance than bad drivers. People who have careless citations such as reckless driving or DUI are required to maintain a SR-22 with their state DMV in order to prevent their license from being revoked.
  • Do you work long hours in a tough job? – Careers such as doctors, executives and emergency personnel generally pay higher average rates due to intense work situations and lots of time spent at work. On the flip side, jobs such as farmers, students and homemakers receive lower rates for RSX coverage.
  • Vehicles with better crash test results cost less to insure – Safer cars tend to be cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means less claims paid and thus lower rates. If your Acura RSX scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Consolidate and save – Many insurance companies provide better rates to clients who carry more than one policy in the form of a multi-policy discount. Discounts can add up to ten percent or more. Even if you’re getting this discount you may still want to compare rates to ensure the best deal. You may still find lower rates by buying insurance from a different company.
  • Men tend to take more risk – Over the last 50 years, statistics have shown that females take fewer risks when driving. It does not mean males are worse at driving than females. Both sexes get in accidents in similar percentages, but the male of the species have accidents that have higher claims. Men also statistically receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Male teenagers are most likely to cause an accident so it costs more to insure them.
  • Proper usage rating affects costs – Driving a lot of miles every year the more it will cost to insure it. Most insurance companies charge to insure your cars partially by how you use the vehicle. Cars used primarily for pleasure use qualify for better rates than those that get driven frequently. It’s a good idea to make sure your insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money. An improperly rated RSX can cost quite a bit.

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Save with with these discounts

The price of auto insurance can be rather high, but you might already qualify for some discounts to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be asked for in order for you to get them. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Bundled Policy Discount – If you have multiple policies with one company you could get a discount of over 10 percent off each policy depending on the company.
  • Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.
  • Life Insurance Discount – Some insurance carriers give a discounted rate on car insurance if you buy a life policy as well.
  • Professional Organizations – Belonging to certain professional organizations could trigger savings on your bill.
  • Sign Early and Save – Some larger companies reward drivers for switching policies prior to the expiration date on your current policy. The savings is around 10%.

Remember that most discounts do not apply to all coverage premiums. Most only cut the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you could get a free insurance policy, it’s just not the way it works.

The best insurance companies and the discounts they provide are included below.

  • Farmers Insurance may offer discounts for multi-car, switch companies, mature driver, bundle discounts, early shopping, homeowner, and teen driver.
  • Esurance has discounts for good student, safety device, online quote, Pac-12 alumni, and Switch & Save.
  • State Farm has savings for student away at school, anti-theft, Drive Safe & Save, accident-free, and defensive driving training.
  • GEICO policyholders can earn discounts including anti-lock brakes, daytime running lights, air bags, emergency military deployment, and membership and employees.
  • Allstate discounts include farm vehicle, utility vehicle, anti-lock brakes, EZ pay plan discount, senior citizen, and 55 and retired.

When getting free insurance quotes, it’s a good idea to all the companies the best way to save money. Some of the earlier mentioned discounts might not apply in every state. To see providers who offer cheap insurance quotes, click here to view.

But they said I’d save $495 a year!

Popular insurance coverage providers such as 21st Century, Allstate and State Farm continually stream ads in print and on television. All the companies try to convey promises that people will save after switching to them. How can each company have lower policy pricing? This is the trick they use.

Many companies quote their best rates for the type of driver that earns them a profit. An example of this type of driver should be a female over age 40, has a low-risk occupation, and does not commute to work. Any new insured who meets those qualifications gets the lowest rates and will also save if they switch.

Potential customers who are not a match for the requirements may receive higher premium rates and this can result in the driver buying from a lower-cost company. The ad wording is “customers who switch” not “all people who quote” save money. That’s why companies can truthfully advertise the way they do. Different companies use different criteria so it’s extremely important to compare rate quotes every year. Because you never know which company will fit your personal profile best.

Your situation helps dictate your coverage

When it comes to buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions may help you determine whether or not you would benefit from professional advice.

  • What is the difference between comprehensive and collision coverage?
  • Which companies will insure high-risk drivers?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does medical payments coverage apply to all occupants?
  • When do I need to add a new car to my policy?
  • Do I need roadside assistance coverage?
  • I have a DUI can I still get coverage?
  • At what point should I drop full coverage?
  • What happens if I owe more than my 2002 Acura RSX is worth?
  • How do I insure my teen driver?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Insurance coverage breakdown

Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from a tornado or hurricane, a broken windshield and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Acura RSX.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for hospital visits, dental work, ambulance fees, chiropractic care and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision protection

This covers damage to your RSX resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, driving through your garage door, rolling your car, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability auto insurance

This coverage provides protection from damage that occurs to other people or property in an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

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. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like legal defense fees, attorney fees, structural damage and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Shop. Compare. Save.

People switch companies for many reasons like unfair underwriting practices, lack of trust in their agent, extreme rates for teen drivers or high rates after DUI convictions. Whatever your reason, switching companies can be easier than you think.

A few companies may not have internet price quotes and usually these regional insurance providers prefer to sell through independent agents. Low-cost 2002 Acura RSX insurance can be sourced online in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis.

We covered many ways to reduce 2002 Acura RSX insurance prices online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the lowest prices are with a lesser-known regional company.

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