Cheaper 2022 Acura NSX Car Insurance Quotes 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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No sane person enjoys paying for insurance coverage, especially knowing the prices are way too high. Consumers have multiple auto insurance companies to insure vehicles with, and although it’s nice to be able to choose, it can be more difficult to locate the cheapest rates.

Consumers should take time to shop coverage around occasionally because insurance rates change quite often. If you had the best deal on NSX coverage two years ago you can probably find a better price now. Forget anything you know (or think you know) about insurance coverage because it’s time to teach you how to use online quotes to reduce your cost while increasing coverage.

Finding the best rates is not rocket science. If you currently have car insurance, you will be able to cut costs considerably using these tips. Consumers only need an understanding of the tricks to shop for insurance coverage online.

Learn how to lower your insurance costs

Lots of factors are part of the equation when you get a price on insurance. A few of the factors are predictable like your driving record, but others are less obvious such as whether you are married or how financially stable you are.

The itemized list below are a few of the “ingredients” used by companies to determine prices.

  • Pleasure use saves money – The more you drive in a year’s time the more you’ll pay to insure it. Most companies calculate rates determined by how the vehicle is used. Vehicles not used for work or commuting can be on a lower rate level than those that get driven frequently. An improperly rated NSX can cost quite a bit. It’s always a good idea to double check that your vehicle rating is showing the correct usage, because improper ratings can cost you money.
  • Prices also based on gender – The statistics show females are less aggressive when driving. This data doesn’t prove that men are worse drivers. Both genders get in fender benders in similar percentages, but men have accidents that have higher claims. Men also tend to have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
  • Keep prices low by being claim-free – If you file a lot of claims you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Car insurance companies give lower rates to insureds that do not abuse their auto insurance. Your car insurance is designed for claims that pose a financial burden.
  • Safer cars save money – Safer cars are cheaper to insure. Vehicles engineered for safety have better occupant injury protection and lower rates of occupant injuries means lower claim amounts which can mean better rates for you.
  • Do you really need roadside assistance? – There are quite a few additional extra coverages you can purchase on your insurance policy. Add-on coverages like coverage for rental cars, towing, and extra life insurance coverage are probably not needed. These coverages may sound good when talking to your agent, but if you don’t need them get rid of them and save.

Cheap insurance

There are multiple methods to compare insurance prices but one way is more efficient than others. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could use online quoting for quick rates.

All the larger companies participate in a marketplace that enables customers to submit one quote, and each company provides a quote. This saves time by eliminating form submissions to each company.

To find out what other companies charge enter your zip code here.

The one downside to pricing coverage this way is that you can’t choose which companies to get pricing from. So if you prefer to pick specific insurance companies to compare prices, we have assembled a list of insurance companies in your area. Click to enter zip code.

How you compare quotes is your choice, just be sure you’re using apples-to-apples coverage limits and deductibles for each quote you get. If you compare different values for each quote it’s impossible to make a fair rate comparison.

Auto insurance rates and discounts

Car insurance companies don’t always list every discount in a way that’s easy to find, so the list below details some of the best known in addition to some of the lesser obvious discounts that you may qualify for.

  • Discounts for Safe Drivers – Safe drivers may save up to 50% more on NSX coverage than drivers with accidents.
  • Student in College – College-age children who live away from home to go to college and do not take a car to college can receive lower rates.
  • Discount for Passive Restraints – Cars that have air bags or automatic seat belts can get savings up to 30%.
  • One Accident Forgiven – This isn’t a discount exactly, but companies like Allstate, Progressive, and GEICO will let one accident slide before raising your premiums if your claims history is clear for a certain period of time.
  • Paperless Signup – A handful of insurance companies will give a small break simply for signing over the internet.
  • Discount for Low Mileage – Fewer annual miles on your Acura may allow you to get substantially lower rates.
  • Claim Free – Insureds who avoid accidents and claims can save substantially in comparison with policyholders that have many claims.

One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, you’re out of luck.

To see a list of providers with discount rates, enter your zip code here.

Situations that may require an agent’s advice

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions can help discover whether your personal situation may require specific advice.

  • Does medical payments coverage apply to all occupants?
  • Can I afford low physical damage deductibles?
  • Should I waive the damage coverage when renting a car?
  • Am I covered if hit by an uninsured driver?
  • Am I missing any policy discounts?
  • Am I covered if I drive in a foreign country?
  • Am I covered when driving someone else’s vehicle?
  • What can I do if my company denied a claim?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, fill out your zip code. It is quick, free and you can get the answers you need.

Car insurance coverages explained

Learning about specific coverages of your car insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages found on the average car insurance policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Acura NSX.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a mailbox, crashing into a building, colliding with a tree, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Liability coverage

This coverage will cover damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like medical services, structural damage, emergency aid and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Coverage for medical expenses

Med pay and PIP coverage pay for immediate expenses like chiropractic care, surgery and nursing services. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, fire damage, hail damage and hitting a bird. The most a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Best coverage at the best price

When trying to cut insurance costs, make sure you don’t buy poor coverage just to save money. There are many occasions where someone dropped collision coverage only to regret at claim time they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.

In this article, we covered many tips how you can compare 2022 Acura NSX insurance prices online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding cheaper car insurance. You may even find the best prices are with a company that doesn’t do a lot of advertising. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm, GEICO and Nationwide.

Budget-friendly insurance coverage can be sourced online and with local insurance agents, and you need to price shop both to get a complete price analysis. A few companies may not have price quotes online and most of the time these smaller providers provide coverage only through local independent agencies.

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