Compare 2002 Acura NSX Insurance Quotes

Having to pay for expensive Acura NSX insurance can take a big chunk out of your savings account and force you to make tough financial choices. Performing a rate comparison can help to make ends meet.

Companies like Allstate, Progressive and GEICO continually hit you with catchy ads and it is difficult to separate fact from fiction and take the time to shop coverage around.

Are you receiving every discount?

Some insurers don’t always publicize every discount they offer very clearly, so the list below gives a summary of some of the more common as well as the least known discounts that may be available. If you don’t get every credit possible, you could be getting lower rates.

  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with slightly better rates than normal.
  • Club Memberships – Having an affiliation with specific professional or occupational memberships or organizations can get you a small discount on your next insurance coverage statement.
  • Homeowners Savings – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
  • Cautious Driver Discounts – Drivers who avoid accidents could pay up to 40% less on NSX coverage than drivers with accident claims.
  • Auto/Home Discount – If you can combine your auto and homeowners policy with one company they may give you a discount of up to 20% and get you low cost insurance.

A quick disclaimer, some credits don’t apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though you would think all the discounts add up to a free policy, it doesn’t quite work that way.

Popular insurance coverage companies and the discounts they provide include:

  • Progressive includes discounts for good student, multi-policy, online quote discount, continuous coverage, online signing, and homeowner.
  • GEICO policyholders can earn discounts including multi-vehicle, military active duty, air bags, federal employee, good student, anti-theft, and daytime running lights.
  • State Farm may offer discounts for good student, student away at school, multiple autos, Drive Safe & Save, good driver, safe vehicle, and driver’s education.
  • Esurance may include discounts for Pac-12 alumni, anti-theft, emergency road assistance, claim free, defensive driver, and multi-car.
  • The Hartford discounts include air bag, vehicle fuel type, defensive driver, good student, and driver training.

Before you buy a policy, ask all companies you are considering what discounts are available to you. Depending on the company, some discounts may not apply to policyholders in your area. To choose insurance companies that offer the discounts shown above, click here.

Compare insurance coverage quotes online

Finding a better price on insurance coverage can be quick and easy. You just need to invest a few minutes comparing rate quotes to find the company with cheap insurance quotes. Rate comparisons can be done using a couple different methods.

  • Experts agree that the best way to get quotes would be an industry-wide quote request form (click to open form in new window). This form eliminates the need for multiple quote forms for each company you want a rate for. A single, simple form will get you price quotes from many national carriers.
  • A less efficient way to analyze rates consists of visiting the website of each company and repeat the quote process. For instance, let’s say you want to view quotes from Progressive, State Farm and American Family. You would be required to go to each individual site and enter your information, which can get old fast. For a list of links to companies insuring cars in your area, click here.
  • The least efficient way to get rate quotes is to spend your day driving to each insurance agency near you. Buying insurance online eliminates this option unless you want the trained guidance that can only be provided by a licensed insurance agent. However, consumers can compare the best prices online but have a local agent actually write the policy.

It’s your choice how you get your quotes, but make sure you compare nearly identical coverages with every price quote. If you enter different liability limits it will be very difficult to determine which rate is truly the best.

When in doubt talk to an agent

When it comes to choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine if your insurance needs might need professional guidance.

  • I have a DUI can I still get coverage?
  • Is business equipment covered while in my vehicle?
  • Does insurance cover damages from a DUI accident?
  • What are the best liability limits?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does my insurance cover a custom paint job?
  • When should I not file a claim?
  • Am I covered if my car is in a flood?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Auto insurance specifics

Having a good grasp of your auto insurance policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be confusing and nobody wants to actually read their policy. These are the normal coverages found on most auto insurance policies.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Coverage for collisions

This coverage covers damage to your NSX caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sideswiping another vehicle, scraping a guard rail, rolling your car, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like X-ray expenses, surgery and nursing services. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability

This coverage will cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like medical expenses, medical services, emergency aid and structural damage. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive auto insurance

This covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, vandalism, hitting a deer, hitting a bird and fire damage. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Save your hard earned cash

Some insurance providers do not offer internet price quotes and these regional insurance providers prefer to sell through independent insurance agencies. Affordable 2002 Acura NSX insurance is attainable on the web and from local insurance agents, so you should compare both in order to have the best chance of saving money.

As you restructure your insurance plan, never reduce needed coverages to save money. In too many instances, someone dropped collision coverage only to find out that the few dollars in savings costed them thousands. The goal is to buy enough coverage at an affordable rate and still be able to protect your assets.

To read more, take a look at these articles: