1993 Acura Legend Insurance Rates

Want the cheapest insurance rates for your Acura Legend? Trying to find the cheapest insurance for your Acura Legend can normally be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to shop for insurance and you need to know the proper way to price shop coverage on a Acura and find the lowest possible price either online or from local insurance agents.

Learn how to lower your insurance rates

A large part of saving on auto insurance is knowing the factors that are used to determine auto insurance rates. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that may result in cheaper rates. Lots of factors are part of the equation when quoting car insurance. Some factors are common sense like your driving record, but some are not quite as obvious like your vehicle usage or your vehicle rating.

The itemized list below are most of the major factors companies use to determine your premiums.

  • Stay claim-free and lower prices – If you tend to file frequent claims, don’t be surprised to see increased rates or even have your policy non-renewed. Insurance companies generally give lower rates to insureds who only file infrequent claims. Your car insurance is intended for the large, substantial claims.
  • Drivers with responsible credit save on auto insurance – Having a good credit rating will be a significant factor in determining your rates. Insureds with high credit ratings tend to file fewer claims and have better driving records than drivers with worse credit. If your credit score can use some improvement, you may save money insuring your 1993 Acura Legend if you clean up your credit.
  • Location can impact price – Living in less populated areas may provide you with better prices if you are looking for the lowest rates. Fewer drivers means reduced accidents in addition to lower liability claims Drivers in populated areas regularly have more road rage incidents and a longer drive to work. Higher commute times means more chances of being involved in an auto accident.
  • Maintain auto insurance coverage – Letting your insurance expire will be a guaranteed way to drive up your policy premiums. Not only will you pay higher rates, being ticketed for driving with no insurance can result in fines or a revoked license.
  • Cautious drivers pay less – A bad driving record has a lot to do with how much you pay for insurance. Drivers who don’t get tickets get better rates compared to drivers with tickets. Even a single moving violation may increase your cost substantially. Drivers who have multiple citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Theft deterrents save – Choosing a vehicle that has a built-in theft deterrent system can save you some money. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft and help bring rates down.
  • Marriage equates to better premiums – Your spouse actually saves money when shopping for auto insurance. Having a significant other is viewed as being more financially stable and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Expect high rates for teens – Inexperience drivers are proven to be less responsible when driving and because of this, their auto insurance rates are much higher. If you’ve ever had to add a teen driver to your policy can increase premiums substantially. Older insureds are more responsible, tend to file fewer claims and receive fewer citations.

Compare quotes for auto insurance

All the larger auto insurance companies such as Progressive, Allstate and Geico allow you to get prices from their websites. The process is pretty easy because you just enter your coverage preferences into a form. When the form is submitted, their system pulls your credit score and driving record and returns a price quote based on the information you submitted.

Online price estimates simplifies rate comparisons, but the time it takes to visit each company’s website and repetitively type in the same data is a big time waster. But it is imperative to compare as many rates as possible if you want to find better auto insurance pricing.

There is an easier way to compare rates

A more efficient way to locate the lowest prices utilizes a single form that obtains quotes from a bunch of companies at once. It saves time, requires less work, and makes online shopping much easier to do. Immediately after you send the form, it gets priced with multiple companies and you can pick any or none of the resulting price quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. It can be completed in a matter of minutes and you will know how your current rates stack up.

To use this form to compare rates, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you duplicate coverages and limits identical to your current policy. This ensures you will receive rate comparison quotes based on similar coverages.

Slash your insurance rates with discounts

Not too many consumers would say insurance is affordable, but companies offer discounts to help bring down the price. Most are applied when you get a quote, but less common discounts must be specifically requested prior to getting the savings. If you check and find you aren’t receiving every discount possible, you may be paying too high a price.

  • Military Deployment Discount – Having a family member in the military could qualify you for better prices.
  • College Student Discount – College-age children living away from home attending college and leave their car at home may be able to be covered for less.
  • Multiple Vehicles – Drivers who insure multiple cars or trucks on the same insurance policy can get a discount on all vehicles.
  • Clubs and Organizations – Affiliation with a qualifying organization could qualify you for a break when shopping for insurance.
  • Low Mileage Discounts – Fewer annual miles on your Acura could be rewarded with lower premium rates due to less chance of an accident.
  • Telematics Devices – Drivers who agree to allow driving data submission to study driving patterns by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they show good driving skills.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, that’s just not realistic.

A few of the larger companies and a selection of discounts can be found below.

  • State Farm offers premium reductions for good driver, student away at school, passive restraint, defensive driving training, and Drive Safe & Save.
  • Geico offers discounts including daytime running lights, federal employee, seat belt use, military active duty, multi-policy, anti-theft, and air bags.
  • SAFECO may include discounts for safe driver, teen safe driver, teen safety rewards, homeowner, bundle discounts, anti-lock brakes, and anti-theft.
  • Farmers Insurance includes discounts for electronic funds transfer, multi-car, business and professional, bundle discounts, distant student, youthful driver, and mature driver.
  • AAA may have discounts that include multi-car, anti-theft, good driver, AAA membership discount, and pay-in-full.
  • USAA has savings for driver training, safe driver, military installation, family discount, vehicle storage, and good student.

Check with each company to give you their best rates. A few discounts may not be offered everywhere. To see providers who offer discounts, click here.

You are unique and your insurance should be too

When choosing the best insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions might point out whether or not you might need an agent’s assistance.

  • What exactly is covered by my policy?
  • Is my ex-spouse still covered by my policy?
  • Is my teenager covered with friends in the car?
  • Who is covered when they drive my 1993 Acura Legend?
  • Can my teen drive my company car?
  • Is my camper covered by my car insurance policy?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Car insurance 101

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Auto liability – This will cover damage or injury you incur to other’s property or people. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like structural damage, loss of income, repair bills for other people’s vehicles, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for immediate expenses for things like dental work, EMT expenses, surgery and funeral costs. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage – This gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Acura Legend.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, hail damage, hitting a deer, a broken windshield and hitting a bird. The maximum payout 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.

Collision coverages – Collision insurance will pay to fix damage to your Legend resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

In conclusion

People who switch companies do it for a variety of reasons including being labeled a high risk driver, denial of a claim, high rates after DUI convictions and delays in responding to claim requests. Regardless of your reason, finding a great new company can be easy and end up saving you some money.

While you’re price shopping online, you should never skimp on coverage in order to save money. There are many occasions where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

You just read some good ideas how to shop for 1993 Acura Legend insurance online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a smaller regional carrier.

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