Lower Your 1993 Acura Vigor Insurance Cost

No sane person enjoys paying for auto insurance, especially knowing they could lower their rates if they shopped around.

Multiple car insurance companies compete for your business, and because of this it can be hard to compare car insurance companies to get the cheapest price

It’s a good idea to compare rates before your next renewal because insurance prices are adjusted regularly by insurance companies. Even if you got the lowest rate on Vigor insurance on your last policy you can probably find a better premium rate now. Forget all the misinformation about auto insurance because we’re going to demonstrate the right way to buy cheaper auto insurance.

Get cheaper insurance coverage with discounts

Companies offering auto insurance don’t always publicize every discount in an easy-to-find place, so the list below details some of the more common and the more hidden credits available to you. If you don’t get every credit you deserve, you are not getting the best rate possible.

  • No Accidents – Claim-free drivers can earn big discounts when compared to insureds who have frequent claims or accidents.
  • Pay Upfront and Save – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 20% or more.
  • Bundled Policy Discount – When you have multiple policies and place coverage with the same company you could get a discount of up to 20% off your total premium.
  • Good Student – Excelling in school may save you up to 25%. The discount lasts well after school through age 25.
  • Save with a New Car – Buying a new car model can get you a discount since new vehicles have better safety ratings.

Please keep in mind that some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

A few of the larger companies and some of the premium reductions they offer can be read below.

  • 21st Century policyholders can earn discounts including automatic seat belts, teen driver, air bags, student driver, 55 and older, early bird, and theft prevention.
  • State Farm has savings for multiple autos, good student, safe vehicle, student away at school, and driver’s education.
  • AAA may offer discounts for anti-theft, multi-car, multi-policy, education and occupation, AAA membership discount, and good student.
  • Liberty Mutual includes discounts for multi-car, new graduate, good student, newly married, new vehicle discount, and multi-policy.
  • Progressive offers premium reductions for multi-policy, homeowner, good student, continuous coverage, and online signing.

When getting free insurance quotes, it’s a good idea to each insurance company to give you their best rates. Some credits may not be offered everywhere. To view companies that offer many of these discounts, click this link.

Compare insurance rates

To find low cost quotes, there are a couple of ways to compare quotes from many available insurance companies in your state. One of the best ways to find affordable 1993 Acura Vigor insurance rates is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

The single most time-saving way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This type of form keeps you from doing separate quote forms for every company. Just one form compares rates instantly.

A harder way to find more affordable insurance requires a trip to the website for each individual company and fill out a new quote form. For sake of this example, we’ll assume you want to compare State Farm, Progressive and Farmers. You would be required to go to each individual site to input your insurance information, which can get rather old. To view a list of companies in your area, click here.

Which method you use is up to you, but do your best to enter identical coverages and limits on every quote. If each company quotes different deductibles it will be next to impossible to determine the lowest rate for your Acura Vigor. Slightly different coverages could skew the results. And when comparing insurance rates, know that comparing all the rates in your area helps you find a lower rate.

Tailor your car insurance coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can aid in determining if your insurance needs could use an agent’s help.

  • Is my trailer covered?
  • How does medical payments coverage work?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered if my car is in a flood?
  • Is my nanny covered when driving my vehicle?
  • Exactly who is provided coverage by my policy?
  • Do I need special endorsements for business use of my vehicle?
  • Is business property covered if stolen from my car?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Car insurance coverage specifics

Having a good grasp of car insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. These are typical coverages found on most car insurance policies.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Acura Vigor.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Comprehensive protection – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, fire damage and hitting a deer. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for bills such as prosthetic devices, surgery and pain medications. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage – Collision coverage will pay to fix damage to your Vigor caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability insurance – This coverage can cover injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like emergency aid, medical services and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Best coverage at the best price

Cost effective 1993 Acura Vigor insurance is definitely available online and with local insurance agents, so get free insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers do not offer online quoting and these smaller providers sell through independent agents.

You just learned a lot of techniques to reduce 1993 Acura Vigor insurance rates online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the lowest rates come from the smaller companies. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

More detailed auto insurance information can be found in these articles: