View 1997 Acura NSX Insurance Quotes

Want lower insurance coverage rates for your Acura NSX? Did you fall for a flashy sales pitch and buy high-priced insurance coverage? Trust us, you’re not the only one.

You have multiple insurance companies to insure vehicles with, and though it is a good thing to be able to choose, so many choices can make it hard to find the best rates for your vehicles.

Smart consumers take time to price shop coverage before your policy renews because insurance rates go up and down regularly. Despite the fact that you may have had the best price for NSX coverage two years ago there is a good chance you can find better rates now. There is too much inaccurate information about insurance coverage online, so with this article, you’re going to get some tested techniques to slash your insurance coverage rates.

Finding affordable coverage is easy if you know what you’re doing. Essentially everyone who has to buy auto insurance stands a good chance to be able to find better rates. Although drivers do need to know how the larger insurance companies price insurance differently because it can help you find the best coverage.

Don’t miss these discounts

Companies don’t always publicize every available discount in an easy-to-find place, so we break down both well-publicized and also the lesser-known car insurance savings.

  • Good Student – This discount can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Save over 55 – If you qualify as a senior citizen, you may be able to get better car insurance rates for NSX coverage.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less for NSX coverage than drivers with accidents.
  • Early Switch Discount – Some insurance companies reward drivers for signing up before your current expiration date. It’s a savings of about 10%.
  • Life Insurance Discount – Larger companies have a break if you buy a life insurance policy as well.
  • No Charge for an Accident – A few companies will forgive one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Defensive Driving Course – Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of providers who offer car insurance discounts, click here to view.

Compare Auto Insurance Today

Performing a rate comparison can be a lot of work if you don’t understand the best way to get rate quotes. You can spend countless hours discussing policy coverages with insurance companies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Many companies participate in an industry program that allows shoppers to submit their information once, and every company then gives them pricing for coverage. This saves time by eliminating quote forms for each company you want a rate for.

To find out how much you’re overpaying now click to open in new window.

One minor caviat to using this type of system is you are unable to specify which providers to receive prices from. If you wish to select specific providers to compare, we have assembled a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just compare the exact same coverage limits with every price quote. If you have different liability limits it’s not possible to find the best deal for your Acura NSX. Slightly different limits may cause a big price difference. Keep in mind that comparing more company’s prices will enable you to find a better price.

When might I need help?

When choosing proper insurance coverage, there is no one size fits all plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

  • Who is covered by my policy?
  • Do I need motorclub coverage?
  • How much liability coverage do I need in my state?
  • Is a fancy paint job covered?
  • Are there companies who specialize in insuring high-risk drivers?
  • What is covered by UM/UIM coverage?
  • When should my teen driver be added to my policy?
  • Am I covered if my car is in a flood?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my state a no-fault state?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Specific coverage details

Having a good grasp of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from car insurance companies.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, colliding with another moving vehicle, scraping a guard rail, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Auto liability insurance

This can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as legal defense fees, emergency aid, medical expenses, attorney fees and medical services. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like fire damage, falling objects, theft, hitting a bird and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like nursing services, dental work, EMT expenses and hospital visits. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Saving money is sweet as honey

Budget-conscious 1997 Acura NSX insurance is attainable online and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

We’ve covered many tips how you can compare insurance prices online. The key thing to remember is the more you quote, the higher the chance of saving money. You may be surprised to find that the best price on insurance coverage is with some of the smallest insurance companies. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, Geico and Nationwide.

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where an insured cut uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find for the lowest price.

For more information, feel free to browse the following helpful articles: