1995 Acura NSX Car Insurance Rates

Looking for better insurance rates for your Acura NSX? Trying to come up with a payment for expensive insurance can consume your budget and maybe even restrict other spending. Multiple car insurance companies compete for your business, so it’s not easy to compare every insurance company to discover the definitive lowest rate

It’s a good habit to compare premium rates on a regular basis because insurance rates trend upward over time. If you had the lowest premium rates on NSX coverage at your last renewal you will most likely find a better price today. Ignore everything you know about insurance because it’s time to teach you the only way to properly buy coverages and cut your premium.

Compare insurance quotes

Cutting your insurance rates doesn’t have to be difficult. Just spend a few minutes getting comparison quotes to see which company has affordable car insurance quotes. This can be done in just a few minutes using one of these methods.

1. One of the best ways consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This easy form keeps you from doing repetitive form entry for every company. Just one form will get you rate comparisons instantly.
2. A more time consuming way to compare prices is going to the website for every company you want to comare and go through the quote process again. For example, we’ll pretend you need rates from Auto-Owners, Geico and American Family. In order to compare rates, you need to visit each site to input your insurance information, and that explains why we recommend the first method.

   To view a list of companies in your area, click here.

3. The least efficient way to compare price quotes is physically going to and from local insurance agencies. Quoting and buying insurance online eliminates the need for an insurance agent unless you have a complicated situation and need the professional assistance that you can only get from talking to an agent. Some companies do allow you to comparison shop online but have your policy serviced through an agent.

It’s your choice how you get your quotes, but be certain you are entering exactly the same coverages for every quote you compare. If you have differing limits it’s not possible to determine the lowest rate for your Acura NSX.

Do you qualify for discount insurance?

Some insurers don’t always list every discount they offer very clearly, so the list below details both well-publicized as well as some of the hidden insurance savings.

• Military Deployment Discount – Having a deployed family member can result in better premium rates.
• Senior Citizens – If you’re over the age of 55, you can get a discount up to 10% on NSX coverage.
• Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.
• No Charge for an Accident – Not necessarily a discount, but companies like Geico, Progressive, and Allstate permit an accident before raising your premiums as long as you don’t have any claims for a specific time period.
• Low Mileage Discounts – Keeping the miles down on your Acura could be rewarded with lower insurancerates due to less chance of an accident.
• Homeowners Discount – Owning your own home or condo can earn you a little savings because it demonstrates responsibility.
• New Vehicle Savings – Insuring a vehicle that is new can save up to 30% because new vehicles have to meet stringent safety requirements.
• Telematics Discount – Drivers who elect to allow their company to analyze when and where they use their vehicle by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they show good driving skills.
• No Claims – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote in comparison to drivers with a long claim history.

While discounts sound great, it’s important to understand that some credits don’t apply the the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you could get a free insurance policy, companies wouldn’t make money that way. But all discounts will help lower the amount you pay for coverage.

Popular insurance companies and the discounts they provide are outlined below.

• 21st Century has discounts for driver training, automatic seat belts, theft prevention, air bags, teen driver, and homeowners.
• Progressive includes discounts for online signing, continuous coverage, multi-policy, homeowner, online quote discount, multi-vehicle, and good student.
• State Farm offers premium reductions for defensive driving training, good student, Steer Clear safe driver discount, safe vehicle, and Drive Safe & Save.
• Nationwide has savings for good student, Farm Bureau membership, family plan, accident-free, and anti-theft.
• Esurance offers discounts for Switch & Save, multi-policy, safety device, claim free, good driver, and renters.
• The Hartford policyholders can earn discounts including anti-theft, good student, bundle, vehicle fuel type, air bag, and driver training.

It’s a good idea to ask all companies you are considering what discounts are available to you. Savings might not apply in your area. To see providers that offer some of these discounts, click here.

What insurance coverages do I need?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For example, these questions can aid in determining if your insurance needs could use an agent’s help.

• When should my teen driver be added to my policy?
• Does my insurance cover a custom paint job?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Are there companies who specialize in insuring high-risk drivers?
• Does my 1995 Acura NSX qualify for pleasure use?
• Why am I required to get a high-risk car insurance policy?
• Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can help protect your family.

Car insurance coverage information

Having a good grasp of your insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages offered by insurance companies.

Liability

Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like funeral expenses, medical expenses, repair costs for stationary objects, court costs and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Medical costs insurance

Med pay and PIP coverage kick in for immediate expenses like doctor visits, nursing services and ambulance fees. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like backing into a parked car, sustaining damage from a pot hole, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like theft, hitting a deer and hitting a bird. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.