2004 Acura NSX Car Insurance Cost

Wish you could get out of overpriced auto insurance? Trust us when we tell you there are lots of people in the same boat.

Insurance companies such as Geico and Progressive constantly bombard you with advertising and consumers find it hard to see through the deception and effectively compare rates to find the best deal.

It’s smart to quote other rates before your next renewal because prices are rarely the same from one policy term to another. Just because you had the lowest rate for NSX coverage a couple years back the chances are good that you can find a lower premium rate today. There is a lot of wrong information about auto insurance online but you can learn the easiest ways to buy auto insurance cheaper.

Cheap car insurance quotes online

All major car insurance companies such as Allstate and Progressive allow consumers to get prices for coverage on their websites. Doing online quotes doesn’t take a lot of time because it’s just a matter of typing in the amount of coverage you want into a form. Once entered, their quoting system sends out for your driving and credit reports and provides a quote. Online price estimates helps simplify price comparisons, but the work required to visit several different sites and fill out multiple forms is repetitive and time-consuming. But it is imperative to have as many quotes as possible if you are searching for the lowest car insurance rates.

The smarter way to compare car insurance pricing uses just one form that obtains quotes from several different companies. It saves time, eliminates repetitive work, and makes quoting online much more enjoyable and efficient. Immediately after submitting the form, it is rated and you can choose your choice of the quotes that you receive.

If you find a better price you can click and sign and purchase the new policy. This process only takes a few minutes and you will know how your current rates stack up.

To find out if lower rates are available, click here to open in a new tab and fill out the form. If you have coverage now, it’s recommended you complete the form with exactly as shown on your declarations page. Using the same limits helps guarantee you’re receiving a rate comparison based on the exact same insurance coverage.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs may require specific advice.

  • Do I need medical payments coverage since I have good health insurance?
  • What is covered by UM/UIM coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered when driving a rental car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • I have health insurance so do I need medical payments coverage?
  • Can I get a multi-policy discount?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Information about specific coverages

Having a good grasp of insurance can help you determine the best coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like prosthetic devices, dental work, surgery and X-ray expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, hail damage and a tree branch falling on your vehicle. The maximum payout your insurance company will pay 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.

Liability – This will cover injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people. 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 limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as funeral expenses, pain and suffering, legal defense fees, attorney fees and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Acura NSX.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Collision – Collision insurance will pay to fix damage to your NSX resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.