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: May 25, 2018

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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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Did budget coverage turn out to be overpriced car insurance? Trust us, you’re not alone.

People have multiple insurers to choose from, and although it’s nice to have a choice, it makes it harder to compare company pricing.

Get lower rates by taking advantage of discounts

Not too many consumers would say insurance coverage is affordable, but you might be missing out on some discounts that many consumers don’t even know exist. Some of these disounts will be visible when you quote, but once in a while a discount must be asked for prior to receiving the credit.

  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on NSX coverage compared to rates paid by drivers with frequent claims.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Discount for Low Mileage – Driving less may allow you to get lower insurance coveragerates on the low mileage vehicles.
  • Paperwork-free – Some insurance coverage companies will give a small break simply for signing digitally online.
  • Discount for Life Insurance – If the company offers life insurance, you could get lower premium rates if you buy some life insurance too.

Remember that most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, that’s just not realistic.

A list of insurance coverage companies and their offered discounts include:

  • Progressive has discounts for good student, multi-vehicle, online signing, continuous coverage, multi-policy, online quote discount, and homeowner.
  • Farmers Insurance has savings for good student, alternative fuel, homeowner, distant student, electronic funds transfer, mature driver, and pay in full.
  • Farm Bureau may have discounts that include good student, multi-policy, safe driver, renewal discount, and driver training.
  • State Farm policyholders can earn discounts including Drive Safe & Save, defensive driving training, good driver, multiple policy, accident-free, Steer Clear safe driver discount, and student away at school.
  • GEICO offers premium reductions for seat belt use, anti-theft, federal employee, multi-policy, air bags, military active duty, and emergency military deployment.
  • SAFECO includes discounts for safe driver, anti-theft, bundle discounts, teen safe driver, drive less, accident prevention training, and multi-car.
  • Liberty Mutual offers discounts including new move discount, preferred payment discount, teen driver discount, multi-car, hybrid vehicle, newly retired, and safety features.

It’s a good idea to ask all the companies how many discounts you can get. Savings may not be offered in your state. To locate insurance companies with the best discounts, click here to view.

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

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Educated choices result in lower insurance costs

An important part of buying insurance is that you know some of the things that are used to determine the rates you pay for car insurance. When you know what positively or negatively determines premiums, this enables informed choices that can help you get big savings.

  • Don’t get traffic citations – Your driving citation history impacts your car insurance rates tremendously. Getting just one speeding ticket or other violation may cause rates to rise by twenty percent. Drivers who don’t get tickets get better rates than bad drivers. Drivers who have received flagrant violations such as DUI, reckless driving or excessive speeding may find that they have to to file a SR-22 with their state’s department of motor vehicles in order to keep their license.
  • Five star safety rating saves money – Cars with five star safety ratings are cheaper to insure. These vehicles reduce occupant injuries and fewer serious injuries means less claims paid and cheaper rates on your policy. If the Acura NSX scored better than four stars on or an “acceptable” rating on it may be receiving lower rates.
  • Marriage reduces risk – Having a spouse may cut your premiums compared to being single. Having a significant other translates into being less irresponsible and insurance companies like that drivers who are married are more cautious.
  • Use but don’t abuse your insurance – Car insurance companies give the best rates to insureds who do not file claims often. If you file claims often, you can look forward to increased rates or even have your policy non-renewed. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Stress out and pay more – Did you know that where you work can have an impact on rates? Occupations such as lawyers, executives and medical professionals generally have the highest average rates attributed to high stress levels and long work days. On the other hand, careers like farmers, engineers and performers have lower than average premiums on NSX coverage.
  • Multi-policy discounts can save money – Most companies apply lower prices to policyholders that have more than one policy such as combining an auto and homeowners policy. Discounts can be ten or even fifteen percent. Even with this discount applied, it’s always a smart idea to get quotes from other companies to confirm you are receiving the best rates possible. Consumers may save money by buying insurance from more than one company.
  • Drive less and save – The higher the miles on your Acura in a year the more you will pay for car insurance. Many insurance companies apply a rate based upon how you use the vehicle. Autos that sit idle most of the time receive better premium rates than cars that get driven a lot. Verify your car insurance declarations sheet shows the correct driver usage. Having the wrong rating on your NSX may be costing you.

How much car insurance do I need?

When buying proper insurance coverage, there really is no perfect coverage plan. Each situation is unique so your insurance should reflect that For instance, these questions could help you determine if you could use an agent’s help.

  • Do I need medical payments coverage since I have good health insurance?
  • I have a DUI can I still get coverage?
  • Do I pay less for low miles?
  • Why does it cost so much to insure a teen driver?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need motorclub coverage?
  • Do I need replacement cost coverage on my 1999 Acura NSX?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk 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

Auto insurance coverages 101

Understanding the coverages of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on the average auto insurance policy.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for X-ray expenses, hospital visits, nursing services and ambulance fees. They are used in conjunction with a health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Collision insurance

Collision insurance pays for damage to your NSX resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive protection

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, fire damage, a broken windshield, a tree branch falling on your vehicle and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages

Liability coverage protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as legal defense fees, bail bonds, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

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

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More choices the merrier

A few companies don’t offer internet price quotes and most of the time these smaller providers prefer to sell through local independent agents. Discount 1999 Acura NSX insurance can be purchased on the web and from local insurance agents, so you need to compare both in order to have the best chance of saving money.

When you buy car insurance online, you should never skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at a price you can afford and still be able to protect your assets.

Throughout this article, we presented a lot of ways to save on 1999 Acura NSX insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates are with a small local company. Some small companies may only write in your state and offer lower car insurance rates than their larger competitors like Allstate, GEICO and Progressive.

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