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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Searching for better insurance rates for your Acura NSX? Being forced to pay for pricey insurance premiums can draw down your budget and make it hard to pay other bills.

You have multiple car insurance companies to choose from, and although it’s nice to have a selection, it can be more difficult to find a good deal.

Drivers can save with these discounts

The price of auto insurance can be rather high, but there may be some discounts that you may not know about. A few discounts will be applied at the time of purchase, but a few must be requested specifically prior to receiving the credit.

  • Own a Home – Being a homeowner can save a few bucks because owning a home requires a higher level of personal finance.
  • Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction for NSX coverage with select insurance companies.
  • Air Bags and Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Low Mileage Discounts – Driving fewer miles can qualify you for better premium rates on cars that stay parked.
  • Good Student Discount – This discount can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and qualify for as much as a 10% discount.
  • E-sign – Some of the larger companies will give a small break get insurance on the web.
  • Senior Citizens – Older drivers may be able to get lower premium rates for NSX coverage.

Keep in mind that some of the credits will not apply the the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

A list of auto insurance companies and a summarized list of policyholder discounts are detailed below.

  • Farm Bureau may have discounts that include multi-vehicle, driver training, youthful driver, good student, 55 and retired, and renewal discount.
  • Liberty Mutual policyholders can earn discounts including multi-policy, exclusive group savings, newly retired, new graduate, newly married, and new move discount.
  • State Farm may include discounts for accident-free, anti-theft, defensive driving training, Steer Clear safe driver discount, student away at school, good student, and multiple autos.
  • Auto-Owners Insurance may offer discounts for student away at school, company car, group or association, multiple vehicles, safe vehicle, and air bags.
  • GEICO has discounts for five-year accident-free, membership and employees, good student, multi-vehicle, seat belt use, and daytime running lights.
  • SAFECO offers discounts for anti-theft, anti-lock brakes, teen safety rewards, teen safe driver, safe driver, homeowner, and drive less.

Before you buy a policy, ask each company or agent which discounts you qualify for. Depending on the company, some discounts might not be offered on policies in every state. If you would like to see a list of insurers with the best discounts, click this link.

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

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Save money with these tips

The best way to find cheaper auto insurance is to take a look at the different types of things that come into play when calculating the level of your policy premiums. When you understand what determines base rates, this allows you to make good choices that could help you find better auto insurance rates. Multiple criteria are used when pricing auto insurance. Some are obvious such as your driving history, but some are less obvious such as your marital status or your vehicle rating.

  • Certain occupations raise rates – Do you work in a high-stress field? Jobs like military generals, business owners and accountants tend to pay higher premiums than the average policyholder due to intense work requirements and long work hours. On the other hand, careers like professors, students and retirees have the lowest average rates for NSX coverage.
  • Rates impacted by vehicle usage – The higher the miles on your Acura every year the more you’ll pay to insure your vehicle. Many insurance companies calculate prices based upon how the vehicle is primarily used. Cars that are left in the garage receive lower rates than vehicles that are driven to work every day. Having the wrong rating on your NSX can cost quite a bit. Double check that your auto insurance policy is rated on the correct driver usage, because improper ratings can cost you money.
  • Cheaper rates with high physical damage deductibles – Physical damage coverage, also called ‘full coverage’, covers damage that occurs to your Acura. Some examples of claims that would be covered are running into the backend of another car, damage from fire, and windstorm damage. Comprehensive and collision coverage deductibles define how much you are required to spend if a claim is determined to be covered. The more you’re willing to pay, the less your company will charge you for insurance for NSX coverage.
  • Better prices for no policy lapses – Allowing your auto insurance policy to lapse can be a guaranteed way to bump up your auto insurance costs. Not only will rates go up, not being able to provide proof of insurance can result in fines or a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Protect yourself with liability – A critical coverage on your policy, liability insurance is the protection when a jury decides you are liable for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so buy as much as you can afford.

Special considerations

When choosing adequate coverage, there isn’t really a “perfect” insurance plan. Every situation is different and your policy should reflect that. For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Does my policy cover my teen driver if they drive my company car?
  • Do I need higher collision deductibles?
  • I don’t drive much so do I pay less?
  • Do I have newly-aquired coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need replacement cost coverage?
  • Does my car insurance cover rental cars?
  • Why am I required to get a high-risk car insurance policy?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Save $459 a year. For real?

Companies like State Farm, Allstate and GEICO constantly bombard you with ads in print and on television. All the ads say the same thing that you’ll save big just by moving your coverage. How do they all make the same claim? It’s all in the words they use.

Many companies quote their best rates for a prospective insured that is profitable for them. One example of a desirable insured could be a married female, has no tickets, and drives newer vehicles. A customer getting a price quote that fits those parameters receive the lowest rate quotes and will save a lot of money.

Insureds who are not a match for this stringent profile may be forced to pay more expensive rates and this results in the customer not buying. Company advertisements say “drivers that switch” but not “everyone who gets a quote” save that much when switching. That is how companies can truthfully make claims that they all have the best premium rates.

Because of the profiling, drivers must quote coverage with many companies. Because without a comparison, you cannot know which insurance companies will have better auto insurance rates than you’re paying now.

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

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Coverages available on your policy

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most auto insurance policies.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for bills like pain medications, chiropractic care, surgery and nursing services. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – Collision coverage will pay to fix damage to your NSX resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, rolling your car, crashing into a building, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverages – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hail damage, theft, fire damage and a broken windshield. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages – This coverage can cover damage or injury you incur to a person or their property that is your fault. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as attorney fees, pain and suffering, repair bills for other people’s vehicles, bail bonds and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people 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 very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Cheaper insurance is a realistic goal

There are still a few companies who do not provide internet price quotes and these regional insurance providers only sell coverage through independent insurance agents. Cost effective 1998 Acura NSX insurance is attainable both online and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from.

We just presented some good ideas how to shop for 1998 Acura NSX insurance online. The key concept to understand is the more times you quote, the better likelihood of getting cheaper insurance. You may even discover the lowest prices are with some of the lesser-known companies. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

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