How long has it been since the last time you looked for the cheapest Acura NSX insurance in Raleigh? Trying to find cheaper insurance for your Acura NSX in North Carolina can turn out to be an all-consuming task, but you can follow our car insurance buying tips to save time. There is a right way and a wrong way to buy car insurance and you need to know the best way to quote coverages for your Acura and find the lowest price.
It’s a good habit to quote other rates quite often because insurance prices change frequently. Despite the fact that you may have had the best deal on Acura NSX insurance in Raleigh on your last policy you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re about to learn the right way to remove unneeded coverages and save money.
If you’re already insured or just want to save money, you can use these tips to reduce the price you pay without sacrificing coverage. Comparing quotes for the most affordable car insurance in Raleigh is not as time-consuming as you think. Smart shoppers only have to learn the most effective way to quote multiple rates online from multiple companies.
The quickest method to compare insurance rates in your area is to realize car insurance companies pay for the opportunity to provide you with a free rate quote. The only thing you need to do is provide details such as an estimate of your credit level, the make and model of your vehicles, if a SR-22 is needed, and driver details. Those rating factors gets transmitted to all major companies and they respond with quotes almost instantly.
If you would like to start a quote now, click here and complete the form.
The following companies provide price quotes in Raleigh, NC. To find the best auto insurance in North Carolina, it’s a good idea that you click on several of them to get a more complete price comparison.
Three main reasons to buy car insurance
Despite the potentially high cost of Acura NSX insurance, paying for car insurance is required in North Carolina but it also protects you in many ways.
First, just about all states have compulsory liability insurance requirements which means the state requires a minimum amount of liability in order to get the vehicle licensed. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your NSX has a loan, most lenders will force you to buy full coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Acura at a much higher premium rate and require you to reimburse them for it.
Third, insurance protects not only your Acura NSX but also your assets. It also can pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if someone files suit against you as the result of an accident. If your Acura gets damaged, your policy will pay to restore your vehicle to like-new condition.
The benefits of having car insurance definitely exceed the cost, particularly if you ever have a claim. On average, a vehicle owner in Raleigh overpays more than $830 a year so it’s very important to do a rate comparison once a year at a minimum to help ensure money is not being wasted.
Do you qualify for discounts on Acura NSX insurance in Raleigh?
Companies don’t necessarily list every discount they offer in a way that’s easy to find, so the list below gives a summary of a few of the more common and the more hidden ways to save on car insurance.
- Multi-policy Discount – If you insure your home and vehicles with one insurance company you may save nearly 15% which can help you find affordable Acura NSX insurance rates in Raleigh.
- First Accident Forgiveness – This isn’t a discount exactly, but certain companies may permit one accident before raising your premiums if your claims history is clear before the accident.
- Defensive Driving Course – Successfully completing a driver safety course may get you a small discount and easily recoup the cost of the course.
- Auto/Life Discount – Larger insurance companies have better prices if you take out life insurance.
- Professional Organizations – Participating in a professional or civic organization can get you a small discount on your bill.
Please keep in mind that most credits do not apply to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, that’s just not realistic.
Auto insurance companies that may offer quotes with these money-saving discounts may include but are not limited to:
When comparing rates, check with each company or agent what discounts are available to you. Some of the earlier mentioned discounts may not be offered in Raleigh.
Are car insurance agents of importance?
Certain consumers still prefer to sit down with an agent and we recommend doing that Professional insurance agents can help you build your policy and will help you if you have claims. One of the best bonuses of getting online price quotes is you may find cheap insurance rates and still have an agent to talk to.
Once you complete this simple form, the coverage information gets sent to agents in your area who will give you bids for your insurance coverage. You won’t need to drive around since price quotes are sent instantly to you. If you need to compare rates for a specific company, you can always jump over to their website and submit a quote form there.
Finding the right insurance company shouldn’t rely on just a cheap price. Some important questions to ask are:
- Do they have a Better Business Bureau rating in Raleigh?
- Will the company cover a rental car if your car is getting fixed?
- How are they compensated?
- What kind of financial rating does the company have?
- Do they prorate repair cost based on vehicle mileage?
- Is coverage determined by price?
- What insurance companies do they work with in Raleigh?
Do you need an independent or exclusive auto insurance agent?
If you want to buy insurance from a local insurance agency, it helps to know the two different types of agents and how they differ in how they quote coverages. Agencies in Raleigh can be described as either independent agents or exclusive agents depending on their employer. Either can write insurance policies, but it’s good to learn the differences because it can impact your agent selection.
Agents that choose to be exclusive are contracted to one company such as AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agents are well trained on their company’s products and that can be a competitive advantage. Some consumers prefer to choose to use a exclusive agent mostly because of the brand legacy instead of buying on price only.
Shown below are exclusive insurance agents in Raleigh that are able to give comparison quotes.
- Vincent Boone – State Farm Insurance Agent
7850 Alexander Promenade PI #105 – Raleigh, NC 27617 – (919) 957-9009 – View Map
- State Farm: Jerome Murray
8410 Louisburg Rd #100 – Raleigh, NC 27616 – (919) 266-9371 – View Map
- Mary Wilson – State Farm Insurance – Raleigh
9660 Falls of Neuse Rd #165 – Raleigh, NC 27615 – (919) 872-1225 – View Map
Agents in the independent channel are not required to write business for one company so they have the ability to put coverage with any number of different companies and find the cheapest insurance rates. If they quote lower rates, the agent simply finds a different carrier which makes it simple for you. When comparison shopping, it’s recommended you include price quotes from a few independent agents to have the best price comparison. Many can place coverage with less well-known companies that many times have cheaper rates.
Listed below are Raleigh independent agents that can give you rate quotes.
- ACF Insurance Services, Inc.
4634 Capital Blvd – Raleigh, NC 27604 – (919) 878-7786 – View Map
- Hix Insurance Center
2010 New Bern Ave – Raleigh, NC 27610 – (919) 255-6210 – View Map
- David White Insurance Agency
6512 Six Forks Rd #102c – Raleigh, NC 27615 – (919) 870-9191 – View Map
Specifics of your car insurance policy
Having a good grasp of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.
Medical expense insurance
Med pay and PIP coverage pay for bills like dental work, nursing services and funeral costs. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Acura NSX.
Due to the fact that many North Carolina drivers only purchase the least amount of liability that is required (30/60/25 in North Carolina), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Coverage for collisions
Collision coverage pays for damage to your NSX caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as hitting a mailbox, backing into a parked car and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible on your NSX in order to get cheaper collision rates.
Comprehensive (Other than Collision)
This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like hitting a deer, rock chips in glass, fire damage and hail damage. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Liability auto insurance
This can cover damages or injuries you inflict on people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 30/60/25 which means $30,000 bodily injury coverage, a per accident bodily injury limit of $60,000, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against claims like bail bonds, legal defense fees, medical services and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible. North Carolina requires drivers to carry at least 30/60/25 but you should consider buying higher limits.
The next chart shows why low liability limits may not be enough.
Best car insurance in North Carolina
Choosing the highest-rated insurance provider can be rather challenging considering how many companies provide coverage in Raleigh. The information in the lists below can help you pick which auto insurers to look at buying from.
Top 10 Raleigh Car Insurance Companies Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
Cheaper car insurance premiums are possible
Insureds switch companies for many reasons like poor customer service, delays in paying claims, policy non-renewal or even unfair underwriting practices. Regardless of your reason for switching companies, finding a new company can be less work than you think.
We just covered many ways to lower your Acura NSX insurance prices in Raleigh. The key thing to remember is the more rate quotes you have, the better likelihood of getting the cheapest Acura NSX rate quotes. Drivers may even discover the lowest prices come from an unexpected company.
Some companies do not offer online price quotes and many times these regional carriers work with independent insurance agencies. Lower-priced car insurance in Raleigh is possible both online in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture.
How to buy low-cost Acura NSX insurance in Raleigh
The best way we recommend to save on Acura NSX insurance is to compare quotes once a year from insurers in Raleigh.
- Step 1: Spend some time learning about how insurance works and the measures you can take to keep rates down. Many policy risk factors that cause high rates such as speeding tickets, accidents and a not-so-good credit history can be eliminated by making minor driving habit or lifestyle changes.
- Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from multiple companies.
- Step 3: Compare the new rate quotes to your existing coverage to see if cheaper NSX coverage is available in Raleigh. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.
- Step 4: Notify your current company of your intention to cancel your current auto insurance policy and submit payment and a signed application to the new company. As soon as you have the new policy, store the certificate of insurance in a readily accessible location in your vehicle.
A tip to remember is to try to use identical limits and deductibles on each quote and and to get prices from as many auto insurance providers as possible. This enables a level playing field and a complete selection of prices.
More information is available on the following sites:
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Rates for a Ford Focus in Raleigh? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Government Employees in Raleigh? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- A Tree Fell on Your Car: Now What? (Allstate)