View 1997 Acura NSX Insurance Cost

Expensive car insurance can bleed your accounts and force you to cut corners elsewhere. Shopping your coverage around can help to tighten up your finances.

Lots of auto insurance companies contend to insure your vehicles, so it can be very hard to choose a insurer and uncover the absolute lowest cost out there.

Affordable auto insurance

There are several ways you can shop for auto insurance and some are easier and takes less work. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could use the web to achieve your goal.

All the larger companies belong to an insurance system that allows shoppers to submit one quote, and every company can provide price quotes based on the submitted data. This system prevents you from having to do form submissions for each company.

To access this free quoting program, click to open in new window.

The only drawback to pricing coverage this way is buyers cannot specifically choose the insurers you will receive quotes from. So if you want to choose individual companies to receive pricing from, we have assembled a list of companies who write auto insurance in your area. Click to view list.

Which method you use is up to you, but be sure you’re using the exact same deductibles and coverage limits on every quote you get. If the quotes have unequal deductibles or liability limits it’s impossible to make a fair comparison for your Acura NSX. Just slight variations in insurance coverages can result in a big premium difference. And when comparison shopping, obtaining a wide range of quotes helps improve the odds of finding the best offered rates.

Don’t overlook these car insurance discounts

Auto insurance companies don’t always list all possible discounts in an easy-to-find place, so we break down both the well known and the more hidden ways to save on car insurance.

• Telematics Data – Drivers that enable their insurance company to scrutinize their driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as the data is positive.
• Discount for Low Mileage – Driving fewer miles could qualify for discounted premium rates on garaged vehicles.
• Good Grades Discount – Being a good student can save 20 to 25%. This discount can apply up until you turn 25.
• Claim-Free Discount – Drivers who stay claim-free can save substantially when compared with policyholders that have many claims.
• Drivers Education – Have your child enroll and complete driver’s education as it will make them better drivers and lower rates.
• Discounts for Good Drivers – Insureds without accidents may save up to 50% more for NSX coverage than drivers with accident claims.

Consumers should know that most discount credits are not given to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, car insurance companies aren’t that generous.

Some of the insurance companies who might offer many of the previously listed discounts possibly include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• Geico
• SAFECO

Before you buy a policy, ask all the companies the best way to save money. All car insurance discounts might not be offered on policies in your area. To view insurers who offer free car insurance quotes, click here to view.

When to get professional advice

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions can help discover if your situation would benefit from an agent’s advice.

• Exactly who is provided coverage by my policy?
• When would I need rental car insurance?
• Am I covered if I drive in a foreign country?
• Am I covered when driving in Canada or Mexico?
• Do I need more liability coverage?
• Is pleasure use cheaper than using my 1997 Acura NSX to commute?
• How high should my medical payments coverage be?
• How do I file an SR-22 for a DUI in my state?
• How much liability coverage do I need in my state?
• How much can I save by bundling my policies?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Specifics of your insurance policy

Knowing the specifics of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on most insurance policies.

Collision coverage – This coverage will pay to fix damage to your NSX caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, hitting a parking meter and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for bills like X-ray expenses, prosthetic devices, funeral costs, doctor visits and pain medications. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability – This coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as attorney fees, bail bonds, loss of income, legal defense fees and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from getting keyed, falling objects, fire damage, theft and hitting a bird. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Acura NSX.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.