Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: May 7, 2018

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Scraping up a payment for pricey Acura NSX insurance can deplete your personal savings and possibly require postponing other expenditures. Insurance companies such as State Farm and GEICO persitently shower you with advertising and it can be hard to see past the corporate glitz and find the best price available.

You need to do rate comparisons quite often due to the fact that insurance prices are variable and change quite frequently. Even if you think you had the best deal on NSX insurance a year ago other companies may now be cheaper. Block out anything you think you know about insurance coverage because you’re about to find out the fastest and easiest way to eliminate unnecessary coverages and save money.

The quickest method to compare rates is to realize most of the bigger providers actually pay money for the chance to provide you with free rate quotes. The only thing you need to do is give them rating details such as whether you have decent credit, if the vehicle is leased, daily mileage, and if it has an alarm system. Your insurance information gets transmitted to all major companies and you get price estimates very quickly.

Auto insurance policy discounts you can’t miss

Auto insurance can be pricey, but you may qualify for discounts that can dramatically reduce your bill. Some trigger automatically at quote time, but some need to be requested specifically before you will receive the discount.

  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy a life policy as well.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up can save a little on the medical payments or PIP coverage costs.
  • Membership in Organizations – Belonging to qualifying employment or professional organizations can get you a small discount on auto insurance.
  • E-sign – A few auto insurance companies will provide an incentive for completing your application on their website.
  • Multiple Policy Discount – If you insure your home and vehicles and place coverage with the same company you may save approximately 10% to 15%.
  • Safety Course Discount – Taking a course that instructs on driving safety could save 5% or more if you qualify.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes have fewer accidents and earn discounts up to 10%.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of more than 20%.

One thing to note about discounts is that some of the credits will not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A few popular companies and a partial list of their discounts can be found below.

  • 21st Century discounts include teen driver, defensive driver, 55 and older, student driver, automatic seat belts, and homeowners.
  • Progressive has discounts for online quote discount, good student, continuous coverage, homeowner, multi-policy, online signing, and multi-vehicle.
  • State Farm may offer discounts for defensive driving training, accident-free, good student, good driver, multiple policy, and driver’s education.
  • Nationwide may have discounts that include good student, anti-theft, defensive driving, accident-free, multi-policy, and business or organization.
  • Esurance offers premium reductions for renters, defensive driver, good driver, online quote, and safety device.
  • The Hartford includes discounts for air bag, driver training, vehicle fuel type, anti-theft, and good student.

It’s a good idea to ask every insurance company which discounts can lower your rates. All car insurance discounts might not be offered on policies everywhere. To find insurers who offer cheap auto insurance quotes, click this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Insurance agents can help

When buying coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions can help discover if your insurance needs might need professional guidance.

  • When should my teen driver be added to my policy?
  • Can I get a multi-policy discount?
  • What if I owe more than I can insure my car for?
  • Do I need higher collision deductibles?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What are the financial responsibility laws in my state?
  • Am I covered when pulling a rental trailer?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How can I force my company to pay a claim?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Car insurance coverage options for a 1991 Acura NSX

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 confusing and reading a policy is terribly boring. Listed below are the usual coverages offered by car insurance companies.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from flooding, damage from getting keyed, damage from a tornado or hurricane, hail damage and theft. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage

This protects you from damage or injury you incur to other’s property or people. It protects you against claims from other people, and doesn’t 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 policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as repair costs for stationary objects, court costs, pain and suffering, bail bonds and emergency aid. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses like funeral costs, pain medications, chiropractic care, doctor visits and X-ray expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Acura NSX.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision insurance

This pays for damage to your NSX from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.