View 1993 Acura Legend Car Insurance Rates

High-priced Acura Legend insurance can overdraw your personal savings and put a big crunch on your finances.

Since drivers have many choices of insurance companies, it is very difficult to find the most affordable insurance company.

This information will introduce you to how to get online quotes. If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. But car owners can benefit by having an understanding of the methods companies use to determine prices.

How much does car insurance cost?

To find more affordable rates, there are a couple of ways of comparing rate quotes from companies that offer car insurance in your state. The best method to compare rates consists of obtaining rate quotes online. This is quite simple and can be completed in a couple minutes as outlined below.

The single most time-saving way to find low rates is a comparison rater form (click to open form in new window). This style of form eliminates the need for a different quote for every prospective company. In just a few minutes this one form gets insurance cost estimates direct from many companies.

Another way to obtain and compare quotes online requires a trip to the website for every company you want to comare and complete a new quote form. For sake of this example, we’ll pretend you are doing a rate comparison from State Farm, Liberty Mutual and Progressive. To get rate quotes you would need to go to each individual site and enter your information, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

If you have time to kill, the last way to quote and compare insurance rates is actually driving to insurance agencies in your area. The internet has made agencies unnecessary unless your situation requires the professional assistance of a local agency. It is possible to get prices online and still use a local agent.

Whichever method you choose, do your best to use the exact same coverage information for every quote you compare. If you enter different values for each quote it will be very difficult to decipher which rate is best. Slightly different limits could mean much higher rates. Just keep in mind that comparing a large number of companies increases the change that you will find more affordable insurance.

Don’t listen to company ads

Well-known car insurance companies like Allstate, Geico and Progressive endlessly run ads on TV and radio. They all make the point that drivers will save a bundle if you change your car insurance policy to them. How can each company offer you a better deal? It’s all in the words they use.

All the different companies offer their best rates for a prospective insured that will not have excessive claims. One example of a profitable insured should be over the age of 50, has other policies, and drives a lower-performance vehicle. A customer who matches those parameters gets the lowest premium rates and will most likely save if they switch.

Potential customers who fall short of this ideal profile may be required to pay higher prices which leads to the customer not buying. Company advertisements say “drivers that switch” not “everybody who quotes” can save as much as they claim. That’s the way insurance companies can confidently advertise the savings.

Because every company is different, you really should compare as many free auto insurance quotes as you can. Because without a comparison, you cannot know the company that will have better rates than you’re paying now.

Get lower rates with discounts

Car insurance companies do not list all their discounts in an easy-to-find place, so we break down a few of the more common in addition to some of the lesser obvious discounts that may be available. If you are not receiving all the discounts available, you are not getting the best rate possible.

• Low Miles Discount – Driving less could earn better car insurancerates on cars that stay parked.
• Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase life insurance.
• ABS Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and will save you 10% or more.
• Student Driver Training – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Theft Deterent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and will qualify for a discount on a auto insurance quote.

It’s important to note that many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, it’s just not the way it works. Any qualifying discounts will bring down your policy premiums.

To see a list of insurers with the best discounts, click this link.

What is the best auto insurance coverage?

When it comes to buying coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique so your insurance should reflect that For example, these questions can aid in determining whether your personal situation would benefit from professional advice.

• Can I make deliveries for my home business?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Do I pay less for low miles?
• I have good health insurance, so how much medical payments coverage do I need?
• Does coverage extend to Mexico or Canada?
• What if I owe more than I can insure my car for?
• Am I covered when pulling a rental trailer?
• Why do I need rental car insurance?
• Where can I get insurance after a DUI in my state?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Insurance coverage breakdown

Having a good grasp of your insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Liability coverage

Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair bills for other people’s vehicles, loss of income and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

Collision coverage covers damage to your Legend from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sideswiping another vehicle, hitting a mailbox, crashing into a ditch, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, hail damage and rock chips in glass. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses like nursing services, funeral costs, chiropractic care and hospital visits. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Acura Legend.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Smart consumers save more

We covered many ideas to get a better price on 1993 Acura Legend insurance. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding the cheapest auto insurance. Consumers may even find the lowest premium rates are with the smaller companies. These companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

When trying to cut insurance costs, never buy less coverage just to save a little money. There are many occasions where someone dropped uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. The goal is to get the best coverage possible at the best price, but do not skimp to save money.

More tips and info about insurance coverage can be found in the articles below:

• Driving in Bad Weather (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)