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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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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Searching for the cheapest insurance coverage rates for your Acura NSX? Cutting costs on Driversinsurance coverage is kind of frustrating for people who have little experience online price comparisons. You have so many options available that it can easily be a real difficult job to find a cheaper company.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using this information. This information will help you learn the best way to quote coverages and some tricks to saving. Although car owners can benefit by having an understanding of the methods companies use to sell insurance online.

The easiest way to compare policy rates is to know the fact most of the larger companies allow for online access to compare rate quotes. The only thing you need to do is provide the companies a bit of rating information including deductibles desired, if you require a SR-22, whether you are single or married, and your occupation. The rating information is submitted instantly to insurance companies and they return quotes almost instantly.

Discounts for cheaper auto insurance rates

Auto insurance companies don’t always advertise the entire discount list very well, so below is a list both the well known and the harder-to-find savings tricks you should be using when you buy insurance coverage online.

  • Multi-Vehicle Discounts – Buying a policy with several vehicles with the same auto insurance company could earn a price break for each car.
  • Homeowners Discount – Owning a house may earn you a small savings because maintaining a house requires personal responsibility.
  • Save over 55 – Drivers that qualify as senior citizens could receive a slight reduction on a insurance coverage quote for NSX coverage.
  • Theft Prevention System – Vehicles that have factory anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Seat Belts Save – Requiring all passengers to fasten their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Smart Student Discounts – Being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.

Please keep in mind that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way.

Larger auto insurance companies and some of the premium reductions they offer are outlined below.

  • American Family policyholders can earn discounts including good driver, bundled insurance, defensive driver, Steer into Savings, mySafetyValet, and air bags.
  • Farm Bureau has savings for renewal discount, good student, 55 and retired, driver training, safe driver, and multi-policy.
  • State Farm may offer discounts for good student, driver’s education, defensive driving training, Steer Clear safe driver discount, student away at school, and passive restraint.
  • Travelers offers discounts including home ownership, student away at school, IntelliDrive, new car, and good student.
  • The Hartford discounts include good student, defensive driver, anti-theft, driver training, bundle, and air bag.
  • GEICO offers discounts for driver training, seat belt use, membership and employees, good student, anti-theft, military active duty, and defensive driver.
  • Progressive has discounts for homeowner, online quote discount, online signing, good student, continuous coverage, and multi-policy.

When getting free insurance coverage quotes, it’s a good idea to all companies you are considering which discounts can lower your rates. All car insurance discounts might not be available to policyholders everywhere. To view insurance companies with discount rates, click here to view.

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

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Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage, there really is no best way to insure your cars. Every situation is different.

For instance, these questions can help discover if your situation might need professional guidance.

  • Is a new car covered when I drive it off the dealer lot?
  • How high should my uninsured/underinsured coverage be in my state?
  • How many claims can I have before being cancelled?
  • What if I don’t agree with a claim settlement offer?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I benefit by insuring my home with the same company?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance cost influencing factors

Part of the car insurance buying process is learning some of the things that aid in calculating your premiums. If you have a feel for what impacts premium levels, this enables you to make decisions that could result in better car insurance rates. Many things are taken into consideration when you quote your car insurance policy. Some factors are common sense such as your driving history, but others are less apparent such as your credit history or your financial responsibility.

Shown below are a few of the “ingredients” used by your company to calculate your prices.

  • Traffic violations are costly – Drivers with clean records receive lower rates compared to drivers with tickets. Having just one speeding ticket or other violation can bump up the cost substantially. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive a vehicle.
  • Insurance rates for married couples – Being married can actually save you money when shopping for car insurance. Having a spouse generally demonstrates drivers are more financially stable it has been statistically shown that being married results in fewer claims.
  • Younger vs. older drivers – Older insureds are more responsible, are lower risk to insure and tend to be get fewer driving tickets.Beginning drivers have been known to be easily distracted when at the wheel of a vehicle so car insurance rates are higher.
  • Eliminate unneeded add-on coverages – There are a ton of optional add-on coverages that you can get tricked into buying on your NSX policy. Add-on coverages like vanishing deductibles, high-cost glass coverage, and Farm Bureau memberships may be costing you every month. They may seem like a good idea when you first buy your policy, but if they’re wasting money consider taking them off your policy.

Detailed coverages of your auto insurance policy

Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverage protection

Collision coverage covers damage to your NSX resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, hitting a deer, hitting a bird and damage from flooding. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability insurance

Liability insurance provides protection from damage that occurs to people or other property in an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

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 policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like pain and suffering, court costs, funeral expenses and loss of income. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like nursing services, doctor visits, dental work and funeral costs. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

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

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A little work can save a LOT of money

People leave their current company for many reasons like denial of a claim, extreme rates for teen drivers, an unsatisfactory settlement offer or even high rates after DUI convictions. Regardless of your reason, choosing a new company is easier than you think.

As you prepare to switch companies, never reduce needed coverages to save money. There are a lot of situations where someone sacrificed liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The goal is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

More affordable auto insurance is possible online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers may not have internet price quotes and usually these regional insurance providers sell through local independent agents.

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