1993 Acura Vigor Insurance Rates – 7 Tips for Best Quotes

Want the cheapest auto insurance rates for your Acura Vigor? Comparison shopping for cheaper auto insurance could be kind of frustrating for people who have little experience online comparison shopping. People have so many options that it can be a burden to find the perfect company for you.

How to get auto insurance quotes

Performing a rate comparison is a ton of work if you aren’t aware of the best way to get rate quotes. You could spend the better part of a day talking to insurance companies in your area, or you could save time and use online quotes to achieve your goal.

Most of the larger companies take part in a program where insurance shoppers send in one quote, and each participating company returns a rated price for coverage. This eliminates the need for form submissions for each company.

To compare pricing click here to start a free quote.

The only drawback to getting quotes like this is buyers cannot specifically choose which carriers to receive prices from. If you prefer to choose specific providers to compare, we have a page of the cheapest auto insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make absolute certain that you use nearly identical coverage limits and deductibles for each price quote. If you have different coverage information it will be next to impossible to determine which company has the best rates. Quoting even small variations in coverage limits can result in a big premium difference. Keep in mind that comparing more rates from different companies helps you find a lower rate.

Do you really save 40% when you switch?

Companies like State Farm and Allstate continually stream ads on TV and radio. They all advertise the message about how much you will save after switching to their company. But how can every company charge you less for auto insurance? You have to listen carefully.

Many companies have a preferred profile for a prospective insured that will not have excessive claims. An example of a preferred risk might be a married female, owns a home, and drives a car with an anti-theft system. Anybody that hits that “sweet spot” will get the preferred premium rates and therefore will save when switching.

Drivers who may not quite match these stringent criteria will probably be forced to pay higher premium rates and the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everybody who quotes” save the amount stated. That is how companies can truthfully lure you into getting a quote.

This really illustrates why drivers should compare quotes as often as possible. It is impossible to guess which car insurance company will fit you best based on your risk profile.

Insurance Coverage Discounts

Companies don’t always advertise their entire list of discounts very well, so we break down some of the more common as well as some of the hidden discounts you could be receiving when you buy insurance online.

• Driver Safety – Participating in a course that instructs on driving safety could possibly earn you a 5% discount and also improve your driving technique.
• Discount for New Cars – Insuring a vehicle that is new may earn a small discount because newer vehicles are generally safer.
• Accident Waiver – This one is not really a discount per se, but companies like State Farm and Progressive may permit one accident before your rates go up if you have no claims before the accident.
• Resident Student – College-age children who are attending college and do not take a car to college could qualify for this discount.
• No Claims – Insureds with no claims or accidents get the best insurance coverage rates compared to accident-prone drivers.
• ABS Brakes – Cars that have anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
• Full Payment Discount – If you can afford to pay the entire bill as opposed to paying monthly you can avoid the installment charge.

Please keep in mind that some credits don’t apply to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, insurance coverage companies aren’t that generous. Any qualifying discounts will bring down the amount you pay for coverage.

To see a list of companies with discount insurance coverage rates, click here.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions might help in determining if your insurance needs will benefit from professional help.

• Is my 1993 Acura Vigor covered for smoke damage?
• Do I need PIP coverage since I have good health insurance?
• Is business property covered if stolen from my car?
• Should I put collision coverage on all my vehicles?
• I don’t drive much so do I pay less?
• What if I don’t agree with a claim settlement offer?
• What companies insure drivers after a DUI or DWI?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Coverage specifics

Learning about specific coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your 1993 Acura Vigor.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like medical services, bail bonds, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from flooding, damage from getting keyed, a broken windshield, vandalism and hitting a deer. The highest amount you can receive from a comprehensive claim is the actual cash value, 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 reimburse you for immediate expenses for hospital visits, doctor visits, surgery, dental work and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This covers damage to your Vigor resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Make an honest buck

As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. There have been many situations where an insured cut collision coverage only to discover later that it was a big mistake. The proper strategy is to buy enough coverage for the lowest cost, but do not skimp to save money.

Consumers who switch companies do it for many reasons like extreme rates for teen drivers, policy cancellation, questionable increases in premium and not issuing a premium refund. Whatever your reason, finding a new company is easier than you think.

More affordable auto insurance can be bought both online and from local agencies, so you need to quote insurance with both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and usually these smaller providers only sell through independent agencies.

More tips and info about auto insurance can be read in the articles below:

• Rental Car Insurance Tips (Insurance Information Insitute)
• Child Safety FAQ (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)