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: Oct 5, 2015

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Want the cheapest insurance rates for your Acura NSX? Are you drained from trying to scrape together enough money to insure your Acura every month? You are in the same boat as the majority of other vehicle owners. Numerous insurance companies battle for your business, and it can be difficult to compare rates to discover the definitive lowest rate possible.

You should take the time to take a look at other company’s rates quite often because prices change regularly. Just because you found the best deal on NSX coverage six months ago you can probably find a lower rate today. There is a lot of wrong information about insurance online, but in just a couple of minutes you can learn some excellent ideas to lower your insurance rates.

How to buy insurance coverage online

Most companies like State Farm and Allstate allow you to get insurance quotes online. Comparing rates online can be done by anyone as all you need to do is type in the coverages you want as detailed in the form. When the form is submitted, their system automatically retrieves your driving record and credit report and returns a price quote. Quoting online makes it easy to compare insurance prices but the time required to go to multiple sites and type in the same data can be a bit tiresome and repetitive. But it’s also necessary to do this if you want to find a better rate.

There is an easier way to compare rates

An easier way to find cheaper rates uses one simple form to get prices from several companies at one time. This type of form saves time, reduces the work, and makes online price comparison much easier. As soon as you send your information, it gets priced and you can choose any of the quotes returned.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. It can be completed in less than 10 minutes and could lower your rates considerably.

To quickly use this form to compare rates, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you copy your coverages as shown on your current policy. Using the same limits helps guarantee you are getting a price comparison for exact coverage.

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

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Take policy discounts and save

Insuring your vehicles can cost a lot, but you might find some hidden discounts that could drop your premiums quite a bit. Many discounts should be triggered when you quote, but some need to be asked about before being credited.

  • Smart Student Discounts – Excelling in school can earn a discount of 20% or more. You can use this discount normally up until you turn 25.
  • Discounts for Cautious Drivers – Drivers without accidents can save as much as half off their rates on NSX coverage compared to accident prone drivers.
  • Resident Student – Children living away from home attending college and do not take a car to college could get you a discount.
  • Air Bags and Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts as much as 30%.
  • Discounts for New Vehicles – Adding a new car to your policy can be considerably cheaper because newer models have to meet stringent safety requirements.
  • Theft Deterent – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
  • Driver’s Education for Students – Teen drivers should enroll in driver’s education in school.

Just know that many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comp or med pay. Even though the math looks like it’s possible to get free car insurance, you won’t be that lucky.

If you would like to view insurance companies who offer online insurance quotes, click here to view.

Which policy gives me the best coverage?

When buying the best insurance coverage coverage, there really is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.

  • Are my friends covered when driving my 1993 Acura NSX?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my insurance cover a custom paint job?
  • Is extra glass coverage worth it?
  • When do I need to add a new car to my policy?
  • Does car insurance cover theft of personal property?
  • Am I covered when pulling a rental trailer?
  • I have a DUI can I still get coverage?
  • Does insurance cover tools stolen from my truck?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Decisions you make can impact your insurance prices

An important part of buying insurance is that you know some of the things that help determine your premiums. If you know what controls the rates you pay, this enables informed choices that will entitle you to cheaper rates. Many things are part of the equation when pricing auto insurance. Some of the criteria are obvious such as your driving record, although some other factors are not as apparent like your vehicle usage or how financially stable you are.

The following are some of the factors used by companies to determine premiums.

  • The higher your credit history the lower your costs – A driver’s credit history will be a significant factor in your rate calculation. Insureds with good credit tend to be better drivers and file fewer claims than those with poor credit. Therefore, if your credit can be improved, you could pay less to insure your 1993 Acura NSX by taking the time to improve your credit score.
  • Lower rates for vehicles with better crash test results – Vehicles with high crash test scores can get you lower premiums. Safe vehicles help reduce the chance of injuries in an accident and fewer serious injuries translates into savings for insurance companies which can mean better rates for you. If your Acura has at least four stars on it is probably cheaper to insure.
  • Decrease auto insurance rates by maintaining coverage – Having a gap between insurance policy dates is a guaranteed way to increase your rates. Not only will rates go up, failure to provide proof of insurance will get you a revoked license or a big fine. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Premiums are lower the older you get – Drivers with little experience are known to be less responsible when driving with friends therefore auto insurance rates are much higher. Mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
  • Save money with alarm systems – Owning a car with a theft deterrent system can help lower your rates. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your car from being stolen.
  • Incidental coverages you don’t use – There are a ton of extra add-on coverages you can purchase if you aren’t careful. Things like personal injury protection, high-cost glass coverage, and motor club memberships are examples of these. They may seem good when deciding what coverages you need, but if you have no use for them eliminate the coverages to reduce your premium.

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

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Car insurance coverages for an Acura NSX

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

Coverage for liability

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

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like structural damage, loss of income, emergency aid, medical expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, 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. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with another moving vehicle, backing into a parked car, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, a tree branch falling on your vehicle, falling objects and rock chips in glass. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP pay for immediate expenses for funeral costs, ambulance fees, hospital visits and surgery. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Power to the consumer

You just read some good ideas how you can lower your 1993 Acura NSX insurance premium rates. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding low cost insurance coverage. You may be surprised to find that the best price on insurance coverage is with some of the smallest insurance companies. Smaller companies may have significantly lower prices on certain market segments than their larger competitors like GEICO and State Farm.

Lower-priced insurance coverage is attainable both online as well as from insurance agents, so you need to quote insurance coverage with both to have the best rate selection. Some companies may not offer the ability to get a quote online and many times these smaller companies work with local independent agents.

When searching for affordable insurance coverage quotes, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

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