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: Jan 22, 2018

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Trying to find better insurance coverage rates for your Acura NSX? Trying to come up with a payment for expensive insurance coverage can diminish your accounts and require stricter spending habits.

Since you have so many insurance providers from which to choose, it is hard for the average consumer to choose the most affordable insurance company.

You should take the time to get comparison quotes before your policy renews because insurance rates change frequently. If you had the best premium rates on NSX insurance six months ago you can probably find a better price now. Ignore everything you know about insurance coverage because I’m going to teach you how to quote online to properly buy coverages and cut your premium.

Low cost insurance rate quotes

When shopping for insurance there are multiple ways of comparing rates from different insurance companies. By far the easiest way to do a complete rate comparison consists of shopping online. This is very easy and can be done in a couple of different ways.

  1. The easiest and least time consuming way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This easy form eliminates the need for separate forms for each company. Just one form will return quotes instantly.
  2. A more difficult way to get comparison quotes is to manually visit the website for each individual company and fill out their own quote form. For sake of this example, we’ll assume you need rates from GEICO, Farmers and Liberty Mutual. You would be required to spend time going to each site individually to enter the same coverage data repeatedly, which explains why we recommend starting with the first method.

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

  3. The most difficult method to price shop rates is driving around to and from local insurance agencies. Quoting online has made agencies unnecessary unless you have a complicated situation and need the professional assistance that you can only get from talking to an agent. Drivers can price shop your coverage online and have a local agent actually service the policy.

However you get your quotes, make sure you compare nearly identical deductibles and coverage limits on every quote. If you are comparing mixed coverages it will be nearly impossible to make a fair rate comparison. Even a minor difference in coverages may result in large price differences. And when quoting insurance, remember that comparing a wide range of rates helps you find more affordable rates.

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

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Slash your car insurance rates with discounts

Some providers don’t necessarily list all possible discounts very well, so the list below contains a few of the more common and the more hidden credits available to you.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Discount for Life Insurance – Larger insurance carriers have a break if you buy a life insurance policy as well.
  • Defensive Driving Course – Taking time to complete a driver safety course could cut 5% off your bill depending on where you live.
  • Multiple Cars – Buying a policy with several vehicles on the same car insurance policy qualifies for this discount.
  • Smart Student Discounts – Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Cautious Driver Discount – Drivers who avoid accidents may receive a discount up to 45% on NSX insurance than their less cautious counterparts.
  • Save over 55 – Drivers over the age of 55 can get reduced rates on NSX insurance.
  • Discount for Multiple Policies – When you have multiple policies with one insurance company you will save nearly 15% which can help you find cheaper car insurance.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it can save substantially.

A quick disclaimer, some credits don’t apply to your bottom line cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way.

A list of companies and some of their more popular discounts are:

  • AAA may include discounts for good driver, anti-theft, multi-car, multi-policy, pay-in-full, and education and occupation.
  • Progressive has discounts for good student, continuous coverage, online quote discount, multi-vehicle, and online signing.
  • State Farm may have discounts that include accident-free, multiple autos, Drive Safe & Save, passive restraint, and anti-theft.
  • Esurance offers premium reductions for good student, multi-policy, Pac-12 alumni, emergency road assistance, and Switch & Save.
  • Nationwide policyholders can earn discounts including anti-theft, multi-policy, family plan, business or organization, good student, and defensive driving.

When quoting, ask each company how many discounts you can get. Some of the earlier mentioned discounts might not be offered on policies everywhere. If you would like to see a list of providers who offer cheap car insurance quotes, click here to view.

You are unique and your insurance should be too

When it comes to buying the best insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can aid in determining if your situation could use an agent’s help.

  • Can I drive in Mexico and have coverage?
  • Do I need more liability coverage?
  • How do I insure my teen driver?
  • When can I cancel my policy?
  • Where can I get insurance after a DUI in my state?
  • What is covered by UM/UIM coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Does coverage extend to my business vehicle?
  • When does my teenage driver need to be added to my policy?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Specific coverage details

Having a good grasp of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages available from insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your 1992 Acura NSX.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability auto insurance

Liability coverage protects you from damage or injury you incur to a person or their property. It protects YOU against claims from other people, and does not provide coverage for 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. As an example, you may have liability limits of 100/300/100 which stand for 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 protects against things like repair bills for other people’s vehicles, funeral expenses, structural damage, attorney fees and medical expenses. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as doctor visits, EMT expenses and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, vandalism and hitting a bird. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, sideswiping another vehicle, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.