Cheaper 1995 Acura NSX Insurance Quotes

Trying to find lower car insurance rates for your Acura NSX? Are you kicking yourself for buying overpriced car insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. Big companies like Geico, 21st Century and Progressive promote their brand names with TV and radio ads and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.

If you have a policy now or are looking for a new policy, you can use these techniques to find better prices and still get good coverage. Finding affordable coverage is quite easy. Vehicle owners only need to know the tricks to shop online.

Buy insurance online

Effectively comparing insurance prices is a ton of work if you don’t utilize the most efficient way. You could waste a few hours talking to insurance agencies in your area, or you can utilize online quotes to accomplish the same thing much quicker.

Most of the larger companies enroll in a system where prospective buyers only type in their quote data once, and every company provides a quote for coverage. This saves time by eliminating quote requests for each company.

To use this form to compare rates click here (opens in new window).

The one downside to getting quotes like this is you can’t choose the insurers to get pricing from. If you wish to select specific insurance companies for rate comparison, we have assembled a list of companies who write insurance in your area. Click here to view list.

It doesn’t matter which method you choose, just double check that you are using nearly identical coverage information on every quote you get. If the quotes have different deductibles it will be very difficult to make a fair comparison for your Acura NSX.

Find hidden discounts to get affordable insurance quotes

Not too many consumers would say insurance is affordable, but companies offer discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically when you complete an application, but once in a while a discount must be manually applied before they will apply.

  • Low Mileage – Driving less could be rewarded with substantially lower premium rates.
  • Driver Training Discounts – Passing a defensive driver course could save 5% or more if you qualify.
  • First Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.
  • Homeowners Pay Less – Just being a homeowner can help you save on insurance because it means you have a higher level of financial diligence.
  • Telematics Discount – Drivers that enable driving data submission to spy on driving patterns remotely like Allstate’s Drivewise might see lower rates if they show good driving skills.
  • Online Discount – Some of the larger companies will discount your bill up to fifty bucks for buying your policy on the web.
  • New Vehicle Savings – Buying insurance coverage on a new vehicle may earn a small discount due to better safety requirements for new vehicles.
  • Government Employees – Employees or retirees of the government can save as much as 8% for NSX insurance but check with your company.
  • Full Payment Discount – By paying your policy upfront rather than paying in monthly installments you may have a lower total premium amount.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.

As a footnote on discounts, most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, that’s just not realistic.

A few of the larger companies and a selection of discounts are shown below.

  • Farmers Insurance discounts include alternative fuel, bundle discounts, electronic funds transfer, mature driver, early shopping, and pay in full.
  • Esurance has discounts for Switch & Save, good student, good driver, homeowner, and safety device.
  • State Farm includes discounts for good driver, multiple autos, anti-theft, good student, accident-free, Steer Clear safe driver discount, and Drive Safe & Save.
  • Geico has savings for anti-lock brakes, emergency military deployment, seat belt use, federal employee, and multi-policy.
  • Allstate may offer discounts for multi-policy, senior citizen, EZ pay plan discount, farm vehicle, eSmart discount, and defensive driver.

Before you buy a policy, ask every company the best way to save money. Some credits may not apply to policyholders in your state. If you would like to choose from a list of insurance companies with the best discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to buying coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might point out if you could use an agent’s help.

  • Is a fancy paint job covered?
  • Am I covered if I wreck a rental car?
  • Should I carry comprehensive and collision coverage?
  • When can my company non-renew my policy?
  • Are rental cars covered under my policy?
  • Can I make deliveries for my home business?
  • Am I missing any policy discounts?
  • What is the minimum liability in my state?
  • Is upholstery damage covered by car insurance?
  • Is a blown tire covered by insurance?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Get more affordable insurance coverage with these tips

Many factors are part of the calculation when you get a price on insurance. A few of the factors are predictable like your driving record, but others are more transparent such as your marital status or how financially stable you are.One of the most helpful ways to save on insurance coverage is to to have a grasp of the different types of things that come into play when calculating your insurance coverage rates. When consumers understand what influences your rates, this empowers consumers to make smart changes that may reward you with big savings.

  • Drive less and save – The more you drive in a year’s time the higher the price you pay to insure it. Most companies calculate rates partially by how you use the vehicle. Cars and trucks that do not get driven very much qualify for better rates than vehicles that have high annual mileage. An improperly rated NSX may be costing you higher rates. It’s a good idea to make sure your insurance coverage policy reflects the correct driver usage, because improper ratings can cost you money.
  • Bundle policies with the same company – Most major insurers will award lower prices for people who carry more than one policy. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you qualify for this discount already, it’s still a good idea to comparison shop to help guarantee you have the best rates. Consumers may find lower rates even if you insure with multiple companies
  • With age comes lower prices – Older people are more responsible, are lower risk to insure , and are generally more financially stable.Inexperience drivers are statistically shown to get distracted easily when driving so insurance coverage rates are higher.
  • Getting married can save you money – Getting married may cut your premiums on your insurance coverage policy. It usually means you are more mature and it’s statistically proven that married drivers tend to file fewer claims.
  • Lower rates with alarm systems – Selecting a car model with anti-theft technology or alarm system can help lower your rates. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder auto theft.
  • Bad drivers pay high prices – Even a single speeding ticket may cause rates to rise by twenty percent. Drivers who don’t get tickets get better rates as compared to careless drivers. Drivers unfortunate enough to have serious violations such as DUI or reckless driving may face state-mandated requirements to submit a SR-22 form with their state’s licensing department in order to continue driving.
  • Frequent policy claims will increase rates – If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Insurance companies provide most affordable rates to policyholders who are claim-free. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.
  • Urban residents pay more – Living in a small town has definite advantages when trying to find low car insurance rates. Fewer drivers translates into fewer accident claims and a lower car theft rate. Drivers who live in large cities tend to have more aggressive driving styles and much longer commute distances. More time behind the wheel can result in more accidents.

Auto insurance coverage breakdown

Knowing the specifics of auto insurance can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from auto insurance companies.

Liability insurance – This coverage protects you from injuries or damage you cause to a person or their property that is your fault. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as medical expenses, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Comprehensive auto insurance – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, damage from getting keyed and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses such as dental work, EMT expenses and pain medications. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, driving through your garage door, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – This provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Acura NSX.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Online plus local equals savings

When searching for the cheapest insurance coverage quotes, it’s a bad idea to buy less coverage just to save a little money. In many instances, an insured dropped collision coverage only to discover later that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

You just read a lot of tips how to save on 1995 Acura NSX insurance. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from some of the lesser-known companies. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate and Progressive.

Cheaper car insurance is available online and from local insurance agents, and you need to price shop both to have the best selection. Some insurance providers do not provide online rate quotes and most of the time these small, regional companies sell through local independent agencies.

More tips and info about car insurance can be read by following these links:

Comments About 1995 Acura NSX Insurance

  1. Yee Thomas

    Lots of good stuff here. I’m just east of Bismarck, ND. Got free quotes online for a 1995 Acura NSX. Ended up at about $70 savings annually. Went with State Farm. Left Western Auto Insurance to switch. Have a couple speeding tickets too. Wish I didn’t have to insure at all. Not worth enough to pay for comprehensive and collision.

  2. Toccara Willis

    Checking in from San Jose, California. Compared rates from a lot of places. Saved about $20 a month. GEICO was the cheapest option for me. Full coverage costs too much.

  3. Pamula Pruitt

    Are Allstate or Allstate rates cheaper in Massachusetts?

  4. Pauletta Medina

    Compared rates with 21st Century and American Family but still pricey.

  5. Royce Hubbard

    I chose to switch to Allstate from AAA. I live in Warwick, RI. Was with AIG Insurance. Hopefully won’t need it. Highly recommended.

  6. Merna Cabrera

    Does Connecticut require liability coverage?

  7. Libby Bray

    All companies are crooks. I’m in Frederick, MD. Compared quite a few companies. Saved darn near $20 a month. 21st Century was the cheapest option for me. Even increased my liability limits. Wish I didn’t have to insure at all. Liability only on my NSX.

  8. Stefan Stafford

    Cheap is not always the best policy. Lifelong resident of Little Rock, Arkansas. Got car insurance quotes with Liberty Mutual, AIG Insurance, Nationwide, and a couple others for my NSX and saved about $90 a year. Ask about discounts. Highly recommended.

  9. Delores Reyes

    I found affordable 1995 Acura NSX insurance from Allstate in Tucson, AZ.

  10. Tracie Gallegos

    Any 21st Century or Erie customers near Hartford, CT?

  11. Adelle Craft

    I got decent rates for a 1995 Acura NSX in Cleveland, Ohio. Ended up at right around $70 every six months with AIG Insurance. BTW speeding tickets are not good. Hardly afford to drive anymore.

  12. Lady Kaufman

    Located in Fayetteville, AR. Received rates from Progressive, Auto-Owners, and some I forget for my 1995 Acura NSX and saved just over $110 a year. Was with 21st Century. I don’t put full coverage on it.

  13. Darren Kaufman

    Corporate greed I’m telling you. Live in Bellevue, NE. Got rates from Auto-Owners, Sentry, and USAA for my 1995 Acura NSX and am saving around $100 a year. I even had a DUI years ago.

  14. Felisha Hunt

    Does Alabama require liability coverage?

  15. Dixie Warner

    Cheap car insurance? What’s that? Checking in from Fargo, North Dakota. Don’t remember every company but I ended up saving about $30 each month. They offer free online rate quotes.

  16. Florencia Fox

    I’m in the east part of Nampa, ID. Received quotes with Progressive, Hartford, and Farmers for my 1995 Acura NSX and I think I cut my rates about $30 each month. I have several vehicles insured with them. When should I drop full coverage?

  17. Ossie Mccall

    Good detail in your article. I live north of San Antonio, TX. Not sure of all the companies but I ended up saving about $20 each month. They have a lot of discounts available. God forbid I actually have a claim. Next renewal I’ll just do liability.

  18. Myrta Suarez

    If you have a good history and live in the vicinity of Phoenix, AZ, check out 21st Century. You might save some money. Ask about discounts.

  19. Opal Flynn

    Where is cheaper car insurance? I live in a small town just outside of Spokane, WA. Received quotes from AIG Insurance, MetLife, and a few others for my NSX and I’m now saving $21 a month. I increased coverages a little too.

  20. Carley Mcguire

    I live just to the east of Fort Smith, Arkansas. Quoted with AAA, Safeco, and a few others for my 1995 Acura NSX and saved just over $80 a year. I have several vehicles insured with them. Anyone else drop full coverage?

  21. Bao Whitfield

    Does State Farm insure teenage drivers?