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: Jul 14, 2018

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Searching for better car insurance rates? Consumers have a choice when looking for the lowest priced Acura NSX insurance. They can either waste time struggling with agents getting price quotes or use the internet to get rate quotes. There is a better way to find car insurance online so you’re going to learn the best way to get price quotes for a Acura and find the best price possible from local insurance agents and online providers.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these tips. Drivers just need to know how to buy auto insurance on the web.

What affects Acura NSX insurance costs?

When buying auto insurance it’s important to understand some of the elements that help determine the rates you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that can earn you much lower annual insurance costs.

The factors shown below are a partial list of the pieces that factor into your premiums.

  • Vehicles with better crash test results save money – Safe vehicles are cheaper to insure. These vehicles reduce occupant injuries and lower rates of occupant injuries means lower claim amounts passed on to you as lower rates.
  • Cut premiums and deter theft – Owning a car with a theft deterrent system can save you some money. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft and help bring rates down.
  • Teenage drivers pay high prices – More mature drivers are viewed as being more responsible, tend to cause fewer accidents , and are generally more financially stable.Teen drivers tend to be careless and easily distracted when behind the wheel so they pay higher auto insurance rates.
  • More people means more accidents – Having an address in small towns and rural areas may provide you with better prices when trying to find low car insurance rates. Fewer people means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities have traffic congestion and a longer drive to work. The longer drive time can result in more accidents.
  • Cautious drivers pay less – A bad driving record has a big impact on rates. Having a single speeding ticket can increase rates to the point where it’s not affordable. Attentive drivers receive lower rates compared to bad drivers. Drivers unfortunate enough to have flagrant violations such as DUI or reckless driving may face state-mandated requirements to file a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.
  • Frequent auto insurance claims increase auto insurance rates – If you file a lot of claims you can look forward to either higher rates or even cancellation. Insurance companies give the lowest premiums to policyholders who are claim-free. Your insurance policy is designed for claims that you cannot pay yourself.
  • Gender and auto insurance premiums – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Women and men get in fender benders at a similar rate, but the men tend to have more serious accidents. Men also have more aggressive citations like reckless driving and DUI. Young males cause the most accidents so they pay the highest premiums.
  • Higher coverage deductibles are cheaper – Physical damage deductibles tell how much you are required to spend out-of-pocket before your auto insurance pays a claim. Physical damage coverage, also called comprehensive and collision insurance, insures against damage to your car. Some examples of covered claims are rearending another vehicle, fire damage, and having a roll-over accident. The more of the claim you are required to pay out-of-pocket, the better rate you will receive for NSX coverage.

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Don’t overlook these insurance discounts

Some insurers don’t always list all their discounts very clearly, so the list below contains both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online.

  • Multi-policy Discount – If you can combine your auto and home policy and insure them with the same company you could get a discount of nearly 15% which can help you find affordable auto insurance.
  • Own a Home and Save – Owning a house may trigger a policy discount on insurance because maintaining a house is proof that your finances are in order.
  • Low Miles Discount – Maintaining low annual mileage could be rewarded with substantially lower insurancerates.
  • Early Signing – Some insurance companies give discounts for buying a new policy before your current expiration date. You can save around 10% with this discount.
  • Good Student Discount – Performing well in school could provide a savings of up to 20% or more. Earning this discount can benefit you well after school through age 25.
  • Good Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates for NSX coverage compared to rates paid by drivers with frequent claims.
  • Claim-Free Discount – Drivers with accident-free driving histories can save substantially in comparison with drivers with a long claim history.
  • Military Discounts – Having an actively deployed family member could mean lower rates.
  • Anti-lock Brake System – Cars and trucks with ABS and/or traction control can avoid accidents and therefore earn up to a 10% discount.
  • Multi-line Discount – Insurance carriers who offer life insurance give a break if you buy auto and life insurance together.

As is typical with insurance, most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.

If you would like to choose from a list of insurance companies with discount rates, click this link.

Don’t believe everything you hear

Consumers get pounded daily by advertisements that promise big savings for switching by Progressive, Allstate and GEICO. They all have a common claim that people will save if you switch your coverage to them.

How do they all sell you cheaper insurance coverage? It’s all in the words they use.

Insurance companies quote their best rates for the type of insured that earns them the most money. One example of a desirable risk may be over the age of 50, has no tickets, and drives a safe vehicle. Anyone that meets those criteria may get the lowest prices and will probably save some money.

Drivers who don’t qualify for the ideal profile will probably have to pay higher premium rates with the end result being the customer buying from a different company. If you listen closely, the ads state “drivers who switch” not “all people who quote” will save that much if they switch. That’s the way companies can make those claims. This emphasizes why it is so important to get a wide range of price quotes. It is just not possible to predict which insurance companies will have the lowest prices for your situation.

When to get professional advice

When choosing the right insurance coverage, there is no best way to insure your cars. Every insured’s situation is different.

For instance, these questions might help in determining if your situation will benefit from professional help.

  • Should I sign the liability waiver when renting a car?
  • Is my babysitter covered when using my vehicle?
  • Where can I find high-risk insurance?
  • Should I get collision insurance on every vehicle?
  • What are the best liability limits?
  • What can I do if my company won’t pay a claim?
  • What is the ISO rating for a 2003 Acura NSX?
  • Does liability extend to a camper or trailer?
  • Am I covered when pulling a rental trailer?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

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Coverages available on your policy

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Liability – This coverage protects you from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like repair bills for other people’s vehicles, medical expenses and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

UM/UIM Coverage – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2003 Acura NSX.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, hail damage, hitting a bird and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance – Med pay and PIP coverage reimburse you for expenses like pain medications, nursing services, ambulance fees and dental work. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverages – This coverage will pay to fix damage to your NSX resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a building, sustaining damage from a pot hole, sideswiping another vehicle, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Do the work, save more money

While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. In too many instances, an insured dropped uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at the best price, but don’t skip important coverages to save money.

Insureds change insurance companies for a number of reasons such as delays in responding to claim requests, poor customer service, delays in paying claims and even policy cancellation. Regardless of your reason for switching companies, finding a new car insurance company is actually quite simple.

You just learned a lot of information how to lower your 2003 Acura NSX insurance premium rates. The key concept to understand is the more quotes you get, the better your chances of lowering your prices. Consumers could even find that the best price on car insurance is with a small local company.

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