Save on 1997 Acura NSX Insurance Quotes

Want better car insurance rates for your Acura NSX? Searching for lower priced car insurance over the internet might appear somewhat difficult for drivers who are new to comparing and buying car insurance on the internet. With so many agents and online companies available, how can anyone have time to compare every company to locate the cheapest price possible?

It’s important to shop coverage around every six months because prices go up and down regularly. If you had the best price on NSX coverage a year ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because you’re about to learn how to quote online to eliminate unnecessary coverages and save money.

Which auto insurance is cheapest?

Effectively comparing auto insurance prices can be a daunting task if you don’t know the fastest way to get free quotes. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could save time and use the internet to get pricing more quickly.

Many insurance companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and each participating company provides a quote based on the submitted data. This eliminates the need for repetitive form submissions for every auto insurance company.

To compare rates now click here (opens in new window).

One minor caviat to using this type of form is you cannot specify which insurance companies you want pricing from. So if you prefer to choose individual companies to compare rates, we have a listing of companies who write auto insurance in your area. Click here for list of insurance companies.

Which method you use is up to you, but be certain you are entering exactly the same deductibles and coverage limits on every quote. If the quotes have different values for each quote it will be very difficult to determine the lowest rate for your Acura NSX. Even a minor difference in insurance coverages may result in a large different in cost. Just keep in mind that comparing more quotes helps locate better pricing.

Cheap car insurance rates with discounts

Car insurance is expensive, but you may be missing some discounts that could help you make your next renewal payment. Some discounts will apply at quote time, but occassionally some discounts must be manually applied before being credited.

Good Students Pay Less – Being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
Use Seat Belts – Drivers who require all occupants to buckle up can save a little off the medical payments premium.
Data Collection Discounts – People who choose to allow driving data collection to spy on driving habits by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates as long as they are good drivers.
Auto/Life Discount – Larger companies have lower car insurancerates if you buy a life policy as well.
Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease on NSX coverage with a few car insurance companies.
E-sign – Many car insurance companies give back up to $50 for buying your policy online.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, it just doesn’t work that way.

Popular car insurance companies and a summarized list of policyholder discounts include:

State Farm may offer discounts for good driver, driver’s education, Drive Safe & Save, safe vehicle, passive restraint, and Steer Clear safe driver discount.
American Family has savings for TimeAway discount, defensive driver, accident-free, bundled insurance, and good student.
AAA may have discounts that include good student, pay-in-full, good driver, multi-policy, anti-theft, AAA membership discount, and education and occupation.
Geico includes discounts for emergency military deployment, multi-policy, good student, air bags, military active duty, defensive driver, and five-year accident-free.
Mercury Insurance offers discounts for location of vehicle, multi-policy, annual mileage, age of vehicle, and type of vehicle.
Farmers Insurance may include discounts for alternative fuel, teen driver, homeowner, multi-car, youthful driver, and switch companies.
Progressive offers discounts including multi-vehicle, good student, continuous coverage, multi-policy, and homeowner.

If you need affordable insurance coverage quotes, ask all the companies which credits you are entitled to. Discounts may not apply to policies in your state. To choose insurers with the best discounts, click here to view.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine if your insurance needs might need an agent’s assistance.

What vehicles should carry emergency assistance coverage?
I have good health insurance, so how much medical payments coverage do I need?
Should I buy more coverage than the required minimum liability coverage?
What is an SR-22 filing?
Is my teenager covered with friends in the car?
Am I covered if my car is in a flood?
When would I need additional glass coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverage specifics

Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Auto liability

This can cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

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 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as repair costs for stationary objects, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, falling objects, rock chips in glass and theft. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

Collision insurance covers damage to your NSX caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, damaging your car on a curb, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Acura NSX.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like prosthetic devices, ambulance fees, EMT expenses, dental work and X-ray expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage