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: Sep 30, 2018

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There isn’t a single person who gets a kick out of paying for car insurance, in particular when it costs too dang much.

You have so many car insurance companies to purchase coverage from, and although it’s nice to have a choice, it makes it harder to compare rates.

You should make it a habit to check car insurance prices on a regular basis because prices go up and down regularly. Just because you found the lowest price on NSX insurance a few years ago a different company probably has better rates today. There are lots of tips to save on car insurance online, but I’m going to show you the best ways to put money back in your pocket.

Finding the lowest cost protection is not that difficult. Just about every vehicle owner who carries car insurance will be able to find better rates. But drivers must know the way companies determine prices and use this information to your advantage.

First Step: Get free auto insurance quotes

All the larger auto insurance companies like State Farm, GEICO and Progressive provide insurance quotes directly from their websites. Getting online quotes can be done by anyone as all you need to do is type in your personal and coverage information into the quote form. When the form is submitted, the system makes automated requests for your credit score and driving record and generates pricing information based on the information you submitted. Being able to quote online makes it simple to compare prices but the work required to visit a lot of sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s absolutely necessary to do this in order to find the lowest auto insurance rates.

Online rates the easy way

The quickest way to find cheaper rates makes use of a single form that analyzes rates from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes price shopping online much easier. After sending the form, it gets priced and you can select any of the quotes that you receive.

If you find a better price you simply finish the application and buy the policy. This process takes less than 15 minutes and may result in a nice savings.

To find out what other companies charge, click here to open in a new tab and enter your information. If you have coverage now, it’s recommended that you enter your coverages as shown on your current policy. This helps ensure you will receive an apples-to-apples comparison using the exact same coverages.

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

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Use discounts to get cheaper car insurance quotes

Buying car insurance is not cheap, but you may be missing some discounts that you may not know about. A few discounts will automatically apply at the time of quoting, but a few must be requested specifically before being credited.

  • Mature Driver Discount – Older drivers could receive reduced rates on NSX insurance.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but some insurance companies will forgive one accident without getting socked with a rate hike as long as you don’t have any claims prior to the accident.
  • Clubs and Organizations – Joining a qualifying organization is a good way to get lower rates when getting a auto insurance quote.
  • Military Discounts – Having a family member in the military could qualify you for better premium rates.
  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid monthly service charges.

Discounts lower rates, but many deductions do not apply to the entire cost. A few only apply to individual premiums such as liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any qualifying discounts will definitely reduce your policy premiums.

Popular car insurance companies and a summarized list of policyholder discounts are:

  • GEICO may have discounts that include emergency military deployment, federal employee, anti-lock brakes, driver training, and air bags.
  • MetLife includes discounts for good student, good driver, claim-free, accident-free, and defensive driver.
  • Progressive offers premium reductions for online signing, homeowner, good student, online quote discount, multi-vehicle, and continuous coverage.
  • Travelers policyholders can earn discounts including multi-policy, hybrid/electric vehicle, payment discounts, early quote, multi-car, good student, and continuous insurance.
  • SAFECO may offer discounts for multi-car, teen safety rewards, homeowner, bundle discounts, anti-lock brakes, drive less, and teen safe driver.
  • AAA has savings for multi-policy, good student, multi-car, AAA membership discount, pay-in-full, anti-theft, and education and occupation.

When getting a coverage quote, ask each company the best way to save money. Some discounts might not be offered on policies in every state. To find providers that offer some of these discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether or not you might need an agent’s assistance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my cargo covered for damage or theft?
  • Is my babysitter covered when using my vehicle?
  • What is covered by UM/UIM coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Exactly who is provided coverage by my policy?
  • Do I need rental car coverage?
  • Is upholstery damage covered by car insurance?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Specific coverage details

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by insurance companies.

Liability auto insurance – Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims like bail bonds, legal defense fees, medical expenses and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive coverage – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from getting keyed and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – This covers damage to your NSX from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sideswiping another vehicle, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as pain medications, doctor visits, X-ray expenses and prosthetic devices. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

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

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Spend less. Save more.

Cheaper insurance coverage is possible from both online companies in addition to many insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not provide price quotes online and these regional carriers sell through independent insurance agencies.

As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, someone sacrificed liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at the lowest possible cost while not skimping on critical coverages.

In this article, we presented many ways to get a better price on 1996 Acura NSX insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest prices are with the least-expected company. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

Even more information can be found in the articles below: