Cheaper 2021 Acura NSX Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

UPDATED: May 11, 2024

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Searching for better insurance rates for your Acura NSX? Overpriced Acura NSX insurance can deplete your monthly budget and make it impossible to make ends meet.

Popular companies such as Progressive, State Farm and GEICO all claim big savings, bombarding you with TV and radio ads and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

It’s smart to quote other rates before your policy renews because insurance prices are variable and change quite frequently. Just because you found the best price on NSX insurance a few years ago there is a good chance you can find better rate quotes now. You can find a lot of misleading information regarding insurance on the internet, but in just a couple of minutes you can learn the easiest ways to quit paying high insurance rates.

If you are paying for car insurance now, you stand a good chance to be able to save some money using these methods. Buying car insurance is easy if you know what you’re doing. But consumers should learn the methods companies use to sell online and apply this information to your search.

These discounts can cut car insurance rates

Car insurance is not cheap, but you might already qualify for some discounts that could help you make your next renewal payment. Some of these discounts will be visible when you complete an application, but less common discounts must be specifically requested prior to getting the savings.

  • Anti-lock Brake Discount – Cars and trucks with anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
  • Discount for Switching Early – A few car insurance companies allow discounts for switching policies before your current policy expires. It could save around 10% when you buy insurance online.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Own a Home – Owning a home may earn you a small savings since owning and maintaining a home requires personal responsibility.
  • One Accident Forgiven – Not really a discount, but companies like GEICO and Allstate will allow you to have one accident before hitting you with a surcharge if you are claim-free for a specific time period.
  • Federal Government Employee – Active or former government employment can save as much as 8% on NSX insurance with a few car insurance companies.
  • Professional Memberships – Belonging to qualifying employment or professional organizations may earn a discount when shopping for car insurance.
  • Discount for Life Insurance – If the company offers life insurance, you could get better premium rates if you take out auto and life insurance together.

Don’t be shocked that some of the credits will not apply to the whole policy. Most only apply to specific coverage prices like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Companies and some of their more popular discounts are detailed below.

  • GEICO has savings for anti-theft, multi-vehicle, membership and employees, air bags, and daytime running lights.
  • Auto-Owners Insurance may have discounts that include paid in full, anti-theft, air bags, student away at school, and company car.
  • American Family offers discounts including defensive driver, early bird, multi-vehicle, accident-free, good student, bundled insurance, and TimeAway discount.
  • Esurance has discounts for renters, Pac-12 alumni, Switch & Save, emergency road assistance, and good student.
  • Progressive offers premium reductions for good student, online quote discount, continuous coverage, multi-policy, and homeowner.
  • State Farm may offer discounts for Drive Safe & Save, driver’s education, multiple policy, good driver, and defensive driving training.
  • AAA may include discounts for education and occupation, good student, pay-in-full, multi-car, good driver, multi-policy, and anti-theft.

If you want cheaper insurance quotes, ask every prospective company which discounts can lower your rates. Some discounts listed above might not be offered in your area.

Car insurance quotes comparison

Most companies make it easy to get price estimates direct online. Doing online price comparisons is possible for anyone as you just type in your coverage preferences into the form. Upon sending the form, the system will order your driving record and credit report and returns a price determined by many factors. Online price estimates simplifies rate comparisons, but the process of having to visit many different websites and type in the same data can get tiresome after awhile. But it’s absolutely necessary to do this if you want to get the best price possible.

The preferred way to locate the lowest prices uses one simple form that analyzes rates from several different companies. It’s a real time-saver, helps eliminate repetitive entry, and makes comparison shopping a little more enjoyable. Once the form is submitted, it gets priced and you are able to buy any one of the returned quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The whole process just takes a couple of minutes and can result in significant savings.

To compare rates now, simply enter your zip code here and submit the form. If you have a policy now, it’s recommended you enter the coverages identical to your current policy. This makes sure you’re receiving a fair comparison for the exact same coverage.

The Acura NSX insurance rate equation

Part of the insurance buying process is learning the factors that aid in calculating your insurance rates. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that can help you get lower rates. Many things are taken into consideration when you get a price on insurance. Most are fairly basic such as your driving history, but other criteria are not as apparent like where you live or your vehicle rating.

The items below are just a few of the factors insurance companies consider when setting prices.

  • Do you really need roadside assistance? – There are a lot of extra bells and whistles that you can get tricked into buying if you don’t pay attention. Insurance for things like vanishing deductibles, accidental death, and term life insurance may not be needed and are just wasting money. The coverages may be enticing when you first buy your policy, but if you don’t need them think about removing them and cutting costs.
  • Teenage drivers are expensive to insure – Older drivers are shown to be more cautious, cause fewer claims and accidents . Inexperienced drivers are statistically proven to be inattentive when behind the wheel therefore insurance rates are much higher.
  • Decrease insurance rates by maintaining coverage – Having a lapse in insurance coverage is a sure-fire way to increase your renewal premiums. Not only will rates go up, being ticketed for driving with no insurance may earn you a fine, jail time, or a revoked license. You will then be forced to prove you have insurance by filing a SR-22 with your state DMV.
  • Save money with high credit – Having a bad credit history is a big factor in determining what you pay. Consumers who have excellent credit tend to file fewer claims as compared to drivers with lower ratings. So if your credit rating can be improved, you could pay less to insure your 2021 Acura NSX if you improve your credit rating.
  • Lower rates with a multi-policy discount – The majority of insurance companies will give a discount to clients that purchase more than one policy such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. Even if you qualify for this discount already, drivers will still want to compare other company rates to help ensure you have the lowest rates.
  • Drive less and save – The higher the miles on your Acura in a year the higher your rates will be. Most companies rate vehicles based on how the vehicle is used. Cars and trucks that are left in the garage receive lower rates than cars that get driven a lot. Make sure your insurance declarations sheet correctly shows annual mileage. An incorrectly rated NSX may be costing you higher rates.
  • Being married can lower rates – Having a wife or husband may cut your premiums on your insurance policy. Having a significant other means you’re more financially stable and insurance companies like that married drivers tend to have fewer serious accidents.
  • Increase physical damage deductibles to save – Protection for physical damage, aka comp and collision, is used to repair damage to your vehicle. A few examples of covered claims would be colliding with a building, hail damage, and having your car stolen. The deductibles you choose state the amount of money you are required to spend out-of-pocket if a covered claim is submitted. The more money you choose to pay out-of-pocket, the better rate you will receive on NSX insurance.

When do I need an agent’s advice?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might point out whether your personal situation may require specific advice.

  • Is pleasure use cheaper than using my 2021 Acura NSX to commute?
  • I have a DUI can I still get coverage?
  • Am I covered if I break a side mirror?
  • I have health insurance so do I need medical payments coverage?
  • Is my babysitter covered when using my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out your zip code.

Slick advertising tricks that work

Big name companies like State Farm, Allstate and GEICO consistently run television, radio, and online ads. All the ads seem to make the promise that drivers can save some big amount just by switching your coverage. How is it possible that every company can have lower policy pricing? It’s all in the words they use.

Different companies provide the lowest rates for the type of customer that will add to their bottom line. For example, this type of insured should be between the ages of 40 and 55, owns their home, and the vehicle is rated for pleasure use. A customer that hits that “sweet spot” may get the lowest premium rates and as a result will probably save when they switch companies.

Consumers who don’t meet this ideal profile may be forced to pay a higher rate which translates to the prospect going elsewhere. If you pay close attention to the ads, they say “customers who switch” but not “all drivers who get quotes” save that kind of money. That’s why companies can truthfully make it sound like they have such great rates.

Different companies use different criteria so it is so important to get as many free insurance quotes as possible. It’s impossible to know the company that will give you the biggest savings.

Insurance policy coverages for a 2021 Acura NSX

Understanding the coverages of insurance aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement. These are typical coverage types found on most insurance policies.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, damage from getting keyed, vandalism, hail damage and hitting a bird. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2021 Acura NSX.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these limits are set the same as your liability limits.

Collision protection

Collision insurance will pay to fix damage to your NSX from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability coverage

This coverage will cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for things like repair bills for other people’s vehicles, repair costs for stationary objects, structural damage, medical expenses and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as EMT expenses, X-ray expenses, dental work, doctor visits and prosthetic devices. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Best coverage at the best price

As you quote insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. The ultimate goal is to get the best coverage possible at the best price and still be able to protect your assets.

Cheaper 2021 Acura NSX insurance is available from both online companies as well as from independent agents, so you should compare both so you have a total pricing picture. There are still a few companies who do not provide online price quotes and most of the time these small insurance companies prefer to sell through independent agencies.

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