Compare 1999 Acura NSX Insurance Rates

Overwhelmed by the crazy number of auto insurance company choices? Lot’s of other consumers are too. People have so many choices that it can easily become a real hassle to find better rates.

Finding affordable coverage is not rocket science. Just about everyone who has to buy insurance stands a good chance to be able to find better rates. But car owners do need to learn how companies compete online.

The quickest method to compare insurance rates in your area is to take advantage of the fact most insurance companies have advanced systems to compare rate quotes. To start a quote, the only thing you need to do is provide a little information including if a SR-22 is required, an estimate of your credit level, marital status, and coverage limits. Your information is sent automatically to multiple car insurance providers and they return cost estimate immediately.

To compare multiple company rates now, click here and complete the form.

Get lower rates on Acura NSX insurance

Companies that sell car insurance don’t always advertise every available discount very clearly, so we researched some of the more common as well as the least known discounts you could be receiving.

  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off for NSX insurance with select insurance companies.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Low Mileage – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Sign Online – Certain companies may give you up to $50 for buying a policy and signing up online.
  • Driver Safety – Completing a driver safety course can save you 5% or more and easily recoup the cost of the course.

Drivers should understand that most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as comp or med pay. So even though they make it sound like you could get a free auto insurance policy, you’re out of luck.

Companies who might offer some of the above discounts are:

It’s a good idea to ask each company how you can save money. Some discounts may not be available in your state.

Acura NSX rates influenced by many factors

Consumers need to have an understanding of the rating factors that come into play when calculating your car insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that will entitle you to lower car insurance prices.

  • Credit scores impact car insurance rates – Credit history is a huge factor in determining your rates. So if your credit rating is not that good, you could save money insuring your 1999 Acura NSX by spending a little time repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit scores.
  • Do you know your deductibles? – Your deductibles define the amount you are willing to pay in the event of a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The more money you have to pay, the less your car insurance will be for NSX insurance.
  • Males pay more for insurance – Statistics show women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. They both have accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like reckless driving and DUI.
  • Your stress level may be raising your rates – Occupations like lawyers, executives and accountants have higher rates than average due to high stress levels and long work hours. On the flip side, jobs such as scientists, athletes and retirees get better rates for NSX insurance.
  • Protect yourself with liability coverage – Liability coverage is the protection if you are found liable for damages from an accident. Liability provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions may help highlight if your insurance needs could use an agent’s help.

  • When should I buy a commercial auto policy?
  • Is my custom paint covered by insurance?
  • Do I need replacement cost coverage on my 1999 Acura NSX?
  • Can I afford low physical damage deductibles?
  • Is my 1999 Acura NSX covered for flood damage?
  • Does my 1999 Acura NSX need full coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • How do I insure my teen driver?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form.

Insurance coverages 101

Understanding the coverages of your policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability car insurance – This coverage protects you from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like repair bills for other people’s vehicles, funeral expenses, court costs, legal defense fees and medical expenses. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverages – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a bird, hail damage, hitting a deer and fire damage. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for bills for things like hospital visits, chiropractic care and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision – Collision insurance pays for damage to your NSX resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Don’t break the bank

As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where someone dropped collision coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find for the lowest price while still protecting your assets.

Discount 1999 Acura NSX insurance is attainable from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

We just covered many tips how you can get a better price on insurance. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. Consumers could even find that the lowest priced insurance comes from a small mutual company.

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