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: Aug 19, 2018

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Want lower insurance rates? Drivers have many options when trying to find the best price on Acura RSX insurance. You can either spend your time struggling with agents to get rate comparisons or utilize the internet to get rate quotes. There are more efficient ways to buy insurance and you need to know the best way to compare rates for a Acura and obtain the lowest possible price from both online companies and local agents.

If you have insurance now or need a new policy, you can follow these tips to shop for the lowest rates while maintaining coverages. This information will introduce you to how car insurance quotes work and some money-saving tips. Consumers only need to know the most efficient way to shop for auto insurance online.

First Step: Get free insurance coverage quotes

Getting a more affordable price on 2005 Acura RSX insurance is surprisingly easy. Drivers just need to spend a little time to compare free car insurance quotes online with multiple companies. This can be accomplished by following the guidelines below.

  1. The single most time-saving way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This quick form saves time by eliminating a different quote for every insurance coverage company. One quote request gets insurance cost estimates from several companies. It’s definitely the quickest method.
  2. A slightly less efficient method to shop for insurance coverage online is to manually visit the website for every company you want to comare and complete a new quote form. For examples sake, we’ll pretend you want to compare prices for Allstate, 21st Century and GEICO. In order to compare rates, you need to spend time going to each site individually and type in your information over and over, which explains why we recommend starting with the first method.

    To view a list of companies in your area, click here.

It’s up to you which method you use, but make sure you are using apples-to-apples coverage limits and deductibles for every quote you compare. If you compare different limits and deductibles on each one you can’t possibly determine the best price for your Acura RSX.

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

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Do insurance coverage companies bend the truth?

Consumers constantly see and hear ads for cheaper insurance coverage from companies such as Progressive, Allstate and GEICO. They all seem to convey the message that you can save if you get a free car insurance quote and switch your coverage to them.

How do they all make the same claim? Here is how they do it.

Insurance coverage companies have specific criteria for the type of insured that will be a good risk. One example of a profitable risk profile should be a mature driver, has a low-risk occupation, and insures a new vehicle. A customer getting a price quote that hits that “sweet spot” will probably get the lowest prices and will probably save a lot of money.

Drivers who don’t measure up to the requirements may be required to pay higher premiums which results in the customer buying from a different company. If you listen closely, the ads state “customers who switch” but not “all drivers who get quotes” save that much. That’s why companies can truthfully advertise the way they do. Because of the profiling, it is so important to get as many free car insurance quotes as possible. It is just not possible to predict with any certainty which company will have the best prices at this point in time.

Discount insurance rates

Some companies don’t always advertise all disounts very clearly, so we took the time to find some of the more common and also the more inconspicuous discounts you could be receiving when you buy car insurance online.

  • Low Mileage Discounts – Fewer annual miles on your Acura can qualify you for substantially lower prices.
  • Student Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class in school.
  • Distant Student Discount – Any of your kids who are enrolled in higher education away from home and don’t have a car could qualify for this discount.
  • Anti-theft System – Vehicles with anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.
  • Switch and Save Discount – A few insurance companies give discounts for switching policies prior to your current policy expiring. It could save around 10% when you buy car insurance online.
  • Accident Waiver – Not a discount per se, but companies like Liberty Mutual and GEICO permit an accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Military Rewards – Being deployed with a military unit could qualify you for better rates.
  • E-sign Discounts – Some of the larger companies will give you a small discount for completing your application on the web.
  • Multiple Cars – Buying coverage for multiple cars with one company can reduce rates for all insured vehicles.
  • Discount for Multiple Policies – If you insure your home and vehicles with one company you could earn a discount of approximately 10% to 15%.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But any discount will help lower your overall premium however.

The best insurance companies and a partial list of their discounts are:

  • Farm Bureau includes discounts for youthful driver, good student, multi-vehicle, renewal discount, 55 and retired, driver training, and multi-policy.
  • State Farm offers discounts for good student, good driver, multiple policy, defensive driving training, and driver’s education.
  • Progressive may include discounts for multi-policy, online quote discount, homeowner, continuous coverage, and multi-vehicle.
  • Allstate discounts include EZ pay plan discount, premier plus, farm vehicle, good student, passive restraint, early signing, and teenSMART discount.
  • Nationwide offers discounts including family plan, defensive driving, good student, business or organization, multi-policy, anti-theft, and easy pay.
  • MetLife offers premium reductions for good driver, multi-policy, accident-free, claim-free, defensive driver, and good student.

If you are trying to find cheap car insurance quotes, ask each company or agent which discounts you may be entitled to. Depending on the company, some discounts might not apply in your area. To see companies with significant discounts, click this link.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

  • Should I rate my 2005 Acura RSX as pleasure use or commute?
  • Why does it cost so much to insure a teen driver?
  • Do I really need UM/UIM coverage?
  • How high should my medical payments coverage be?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is no-fault insurance?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and may give you better protection.

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

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Insurance specifics

Having a good grasp of a insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your 2005 Acura RSX.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage

Comprehensive insurance coverage pays for 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 like damage from getting keyed, vandalism, rock chips in glass and a broken windshield. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills such as chiropractic care, X-ray expenses and surgery. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

This will pay to fix damage to your RSX caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with a tree, backing into a parked car, crashing into a ditch, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Liability coverages

Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as loss of income, pain and suffering and bail bonds. How much coverage you buy is your choice, but buy as large an amount as possible.

Stretch your dollar

More affordable auto insurance is definitely available online and also from your neighborhood agents, so you need to shop car insurance with both in order to have the best chance of saving money. Some auto insurance companies don’t offer price quotes online and these small, regional companies only sell coverage through independent insurance agencies.

As you quote car insurance, make sure you don’t buy poor coverage just to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the best price and still be able to protect your assets.

People who switch companies do it for many reasons like high prices, policy non-renewal, delays in responding to claim requests or delays in paying claims. No matter why you want to switch, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

More detailed auto insurance information can be read at these sites: