1999 Acura NSX Car Insurance Rates – 10 Tricks for Best Quotes

Trying to find cheaper auto insurance rates for your Acura NSX? Car insurance shoppers not familiar with buying auto insurance online can find buying the cheapest auto insurance can be quite challenging.

It’s smart to get comparison quotes before your next renewal since prices are constantly changing. Just because you had the best deal for NSX coverage on your last policy you will most likely find a better premium rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the right way to buy cheaper auto insurance.

How to buy insurance coverage

To find the best insurance coverage prices, there are several ways to obtain and compare prices from different insurance companies. The easiest way by far to comparison shop consists of shopping online. It’s really quite simple and can be done by using one of the methods below.

  1. One of the simplest ways consumers can analyze rates is a comparison rater form click to view form in new window. This easy form saves time by eliminating boring form submissions to each individual insurance coverage company. Taking the time to complete one form gets insurance cost estimates from insurance coverage companies with the best prices. Just one form and you’re done.
  2. A more difficult way to get comparison quotes consists of visiting each individual company website and go through the quote process again. For sake of this example, let’s assume you want rates from Nationwide, Farmers and Liberty Mutual. You would have to navigate to each company’s site and enter your information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The final method to get price estimates is driving to insurance agents’ offices. Quoting online makes this unnecessary unless you want the guidance that can only be provided by a licensed insurance agent. You can, however, price shop your coverage online and still use a local agent.

However you get your quotes, do your best to use equivalent coverage limits and deductibles with each company. If you compare different data it’s impossible to determine the lowest rate for your Acura NSX. Just a small difference in coverage limits can result in a big premium difference. It’s important to know that more quotes provides better odds of finding more affordable rates.

Save $493 a year? Really?

Well-known insurance companies like Allstate and Progressive regularly use ads on TV and radio. They all make the same claim about saving some big amount if you switch your coverage to them. But how can every company offer drivers better rates? Just pay attention to how they say it.

All companies offer their best rates for the right customer that will add to their bottom line. An example of a profitable risk profile may be a married female, has never had a claim, and drives newer vehicles. A customer getting a price quote that matches those criteria will get low prices and will also save if they switch.

People who are not a match for the ideal profile may receive more expensive rates which translates to the customer not buying. The trick is to say “drivers that switch” but not “everyone who gets a quote” will save that much if they switch. This is how insurance companies can confidently advertise the way they do. Each company has different criteria, so you really should quote coverage with many companies. Because you never know which insurance company will have the lowest rate quotes.

Do you qualify for these ten discounts?

Companies offering auto insurance don’t always advertise all their discounts in an easy-to-find place, so below is a list a few of the more common and the harder-to-find discounts that you can inquire about if you buy auto insurance online. If you do not double check each discount you deserve, you could be getting lower rates.

  • One Accident Forgiven – but some insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear before the accident.
  • Driving Data Discount – People who choose to allow driving data collection to analyze where and when they drive by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they exhibit good driving behavior.
  • Passive Restraints and Air Bags – Options like air bags can get savings of 20 to 30 percent.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off for NSX coverage with certain companies.
  • No Claim Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote when compared to drivers with a long claim history.
  • Discounts for Cautious Drivers – Safe drivers may save up to 50% more for NSX coverage than drivers with accidents.
  • Paperwork-free – A few larger online companies give back up to $50 for completing your application on the internet.
  • Homeowners Savings – Being a homeowner may trigger a policy discount on insurance because of the fact that having a home demonstrates responsibility.
  • Seat Belts Save – Buckling up and requiring all passengers to fasten their seat belts can save 10% or more off the PIP or medical payment premium.
  • Lower Rates for Military – Having a family member in the military may lower your premium rates slightly.

You can save money using discounts, but most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will positively reduce your overall premium however.

The best insurance companies and some of their more popular discounts are:

  • State Farm policyholders can earn discounts including defensive driving training, passive restraint, anti-theft, accident-free, safe vehicle, good driver, and student away at school.
  • Nationwide offers discounts for defensive driving, family plan, multi-policy, anti-theft, and Farm Bureau membership.
  • GEICO includes discounts for seat belt use, daytime running lights, membership and employees, good student, defensive driver, and driver training.
  • AAA has savings for good student, multi-car, good driver, AAA membership discount, pay-in-full, anti-theft, and education and occupation.
  • 21st Century offers discounts including anti-lock brakes, driver training, early bird, good student, automatic seat belts, and theft prevention.
  • The Hartford offers premium reductions for bundle, defensive driver, vehicle fuel type, anti-theft, and good student.

Before you buy a policy, ask every company how many discounts you can get. All car insurance discounts might not be offered on policies everywhere. For a list of insurers who offer cheap insurance quotes, follow this link.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For example, these questions might point out if you might need an agent’s assistance.

  • Am I covered when pulling a rental trailer?
  • Are rock chip repairs covered?
  • I have health insurance so do I need medical payments coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Is extra glass coverage worth it?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I have coverage when making deliveries for my home business?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

What auto insurance coverages do you need?

Knowing the specifics of auto insurance can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability

This coverage can cover damages or injuries you inflict on a person or their property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as funeral expenses, medical expenses, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, vandalism and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses like surgery, X-ray expenses, pain medications, dental work and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

This coverage pays for damage to your NSX resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Acura NSX.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

More choices the merrier

We just covered quite a bit of information on how to compare 1999 Acura NSX insurance prices online. The most important thing to understand is the more companies you get rates for, the higher your chance of finding low cost auto insurance. You may be surprised to find that the best prices are with a smaller regional carrier.

When you buy auto insurance online, never buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

Drivers who switch companies do it for any number of reasons including high rates after DUI convictions, questionable increases in premium, lack of trust in their agent or denial of a claim. It doesn’t matter what your reason, choosing a new company is less work than it seems.

More tips and info about car insurance can be read at these sites: