Cheap 1996 Acura NSX Car Insurance Cost

Want cheaper insurance rates for your Acura NSX? People not familiar with price shopping insurance online will find shopping for the lowest-priced insurance is not as easy as it seems.

The best way we recommend to compare insurance rates from multiple companies is to understand most of the larger companies pay for the opportunity to provide you with a free rate quote. To start a quote, the only thing you need to do is spend a couple of minutes providing details like which vehicles you own, how much school you completed, if you are currently licensed, and whether you are married. Those rating factors is instantly submitted to multiple top-rated companies and they return quotes immediately.

To check rates for your 1996 Acura NSX, click here and enter your coverage details.

Companies offer discounts so take them!

Companies that sell car insurance don’t always list every available discount very well, so we break down some of the more common and the more hidden ways to save on insurance coverage.

  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for NSX insurance.
  • Student Driver Training – Require your teen driver to enroll in driver’s education in high school.
  • Defensive Driving Course – Taking part in a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Early Signing – Select companies give a discount for signing up prior to your current policy expiration. This can save 10% or more.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for NSX insurance with a few insurance coverage companies.

As a disclaimer on discounts, most credits do not apply the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

A partial list of companies that possibly offer these benefits include:

It’s a good idea to ask every prospective company what discounts are available to you. Discounts may not apply in your area.

Do I just need basic coverages?

When buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions could help you determine if your situation could use an agent’s help.

  • Am I covered when delivering products for my home-based business?
  • When should I not file a claim?
  • Should I have combined single limit or split liability limits?
  • How much liability coverage do I need in my state?
  • Why does it cost so much to insure a teen driver?
  • Do I have newly-aquired coverage?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

What insurance coverages do you need?

Having a good grasp of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Collision insurance

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

Collision coverage protects against claims such as rolling your car, sideswiping another vehicle, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” 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.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages

This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as medical services, funeral expenses, structural damage, court costs and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for X-ray expenses, dental work, ambulance fees and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, damage from flooding, a broken windshield, damage from a tornado or hurricane and fire damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.