1997 Acura NSX Insurance Rates

No one likes paying for insurance coverage, especially when their premiums are too high. There are many insurers to choose from, and although it’s a good thing to have a selection, it makes it harder to find the best rates.

It is always a good idea to price shop coverage every six months because rates trend upward over time. If you had the best rates for NSX coverage a few years ago there is a good chance you can find better rates now. Starting now, block out anything you think you know about insurance coverage because you’re going to get a crash course in the best way to find better rates and still maintain coverage.

Buying car insurance is easy if you know what you’re doing. If you have a policy now or need new coverage, you will benefit by learning to find better prices while maintaining coverages. Consumers just need to learn the best way to shop for car insurance online.

Finding Insurance

Getting better 1997 Acura NSX insurance pricing can be surprisingly simple. You just have to take the time getting comparison quotes online with multiple companies. This can be done in just a few minutes using one of these methods.

  1. The most efficient way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This method keeps you from doing boring form submissions for each company. Completing one form compares rates from multiple companies.
  2. A more difficult way to find lower rates is to take the time to go to the website for every company you want to comare and request a quote. For examples sake, we’ll pretend you want rates from Allstate, Esurance and Travelers. You would have to visit each site and enter your information, which is why most consumers use the first method.

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

It’s up to you how you get prices quotes, just ensure you’re using the exact same coverage limits and deductibles for each price quote. If you enter differing limits you will not be able to determine the best price for your Acura NSX.

Save big with these discounts

Car insurance companies don’t always advertise every available discount in an easy-to-find place, so the following is a list of some of the best known and the harder-to-find ways to save on insurance coverage. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • No Charge for an Accident – Certain companies allow you one accident before your rates go up if your claims history is clear for a certain period of time.
  • 55 and Retired – If you’re over the age of 55, you may qualify for a discount up to 10% for NSX coverage.
  • Own a Home – Being a homeowner may trigger a insurance coverage policy discount because owning a home demonstrates responsibility.
  • Early Signing – Some insurance companies reward drivers for buying a policy before your current policy expires. This can save 10% or more.
  • Resident Student – Youth drivers who live away from home and do not have a car can receive lower rates.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.

Consumers should know that most of the big mark downs will not be given to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

For a list of insurance companies offering insurance coverage discounts, click here.

But I don’t know anything about car insurance

When buying adequate coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique so your insurance needs to address that. These are some specific questions might point out whether or not you might need an agent’s assistance.

  • Which is better, split liability limits or combined limits?
  • What is covered by UM/UIM coverage?
  • What is an SR-22 filing?
  • What is high-risk coverage and where do I buy it?
  • Should I buy full coverage?
  • Can my babysitter drive my car?
  • Do I have newly-aquired coverage?
  • Should I get collision insurance on every vehicle?
  • Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Impacting insurance rates for an Acura NSX

Smart consumers have a good feel for the factors that go into determining the rates you pay for car insurance. Understanding what determines base rates empowers consumers to make smart changes that could result in lower car insurance prices.

  • Being married is a good thing – Having a wife or husband can get you a discount on your car insurance policy. Having a spouse is viewed as being more mature than a single person and it’s proven that married drivers get in fewer accidents.
  • Sex matters – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes have accidents at about the same rate, but the men cause more damage. Men also statistically receive more costly citations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.
  • Rate your vehicle for proper use – The more you drive in a year the higher your rates will be. The majority of insurers rate vehicles based upon how you use the vehicle. Autos that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated NSX may be costing you. Verify your car insurance policy is showing the correct driver usage.
  • Liability coverage is peace of mind – The liability section of your policy is the coverage that protects you when you are found to be at fault for causing damage or personal injury in an accident. Liability provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.

Insurance coverage breakdown

Understanding the coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average insurance policy.

Coverage for medical payments – Med pay and PIP coverage pay for expenses for EMT expenses, doctor visits and surgery. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Collision – This coverage covers damage to your NSX resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sideswiping another vehicle, colliding with another moving vehicle, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverages – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, damage from getting keyed, vandalism, a broken windshield and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability car insurance – This can cover damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability 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 total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like medical expenses, attorney fees, medical services, repair costs for stationary objects and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

More quotes mean more savings

Discount 1997 Acura NSX insurance can be sourced online as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

We covered some good ideas how to get a better price on insurance. The key thing to remember is the more you quote, the better your chances of lowering your rates. You may even discover the most savings is with a small local company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

More detailed car insurance information is available at these sites: