Lower Your 1993 Acura Legend Car Insurance Rates

Having to pay for overpriced Acura Legend insurance can empty your checking account and force you to prioritize other expenses. Doing a price comparison is a smart way to help make ends meet.

Many insurance companies compete for your business, so it’s not easy to compare every company to find the best rates possible.

Compare the Market for Car Insurance

To find the best car insurance prices, there are several ways to compare rate quotes and find the best price. The best method to find the cheapest 1993 Acura Legend insurance rates is to use the internet to compare rates. This is very easy and can be done in a couple of different ways.

The best way to get quotes is a comparison rater form click here to open form in new window. This method prevents you from having to do repetitive form submissions for each company you want a rate for. Filling out one form will get you rate comparisons from all major companies.

A less efficient way to compare rate quotes is going to each company’s website to complete a price quote. For examples sake, let’s assume you want comparison quotes from Nationwide, Esurance and State Farm. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why most consumers use the first method.

For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you use apples-to-apples coverage information with each company. If you have mixed coverages it will be very difficult to determine the best price for your Acura Legend. Having just a slight variation in limits can result in a big premium difference. Keep in mind that having more price comparisons gives you a better chance of getting better pricing.

Cut prices on Acura Legend insurance

Companies offering auto insurance don’t necessarily list every available discount in a way that’s easy to find, so we researched both the well known and also the lesser-known ways to save on car insurance.

  • Low Mileage – Fewer annual miles on your Acura can earn lower rates on the low mileage vehicles.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Discount for New Cars – Insuring a new car can save up to 30% since new cars are generally safer.
  • Resident Student – Youth drivers living away from home attending college and do not have a car may be able to be covered for less.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company qualifies for this discount.
  • Bundle and Save – If you have multiple policies with the same insurance company you may save at least 10% off all policies.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Legend coverage with certain companies.

A little note about advertised discounts, some credits don’t apply to the entire cost. Most only reduce specific coverage prices like medical payments or collision. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.

Companies that may offer some of the above discounts are:

Double check with all companies you are considering which discounts you may be entitled to. Savings may not be available everywhere.

What determines your Acura Legend insurance premium

It’s important that you understand the factors that play a part in calculating insurance coverage rates. Understanding what determines base rates enables informed choices that will entitle you to big savings.

Shown below are some of the factors insurance coverage companies consider when setting prices.

  • Car features impact rates – Owning a car with a theft deterrent system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
  • Better credit means lower rates – Credit score is a large factor in calculating your insurance coverage rates. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with lower credit scores. If your credit rating is low, you could potentially save money when insuring your 1993 Acura Legend by improving your credit score.
  • Drive less and save money – Driving more miles each year the higher your rates will be. Most companies charge to insure your cars based on their usage. Cars and trucks used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. If your policy improperly rates your Legend can cost quite a bit. Double check that your insurance coverage coverage is rated on the proper vehicle usage.
  • Careful drivers pay lower rates – Your driving record has a lot to do with how much you pay for insurance. Drivers with clean records receive lower rates than their less careful counterparts. Even a single citation may increase your cost forty percent or more. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
  • Safer cars cost less to insure – Vehicles with good safety scores can get you lower premiums. These vehicles protect occupants better and fewer injuries means lower claim amounts and thus lower rates. If your Acura Legend scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Policy add-ons can waste money – There are many extra bells and whistles that you can get tricked into buying on your Legend policy. Coverages like vanishing deductibles, accidental death and motor club memberships are examples of these. They may seem like a good idea when you first buy your policy, but if you don’t need them get rid of them and save.
  • Higher deductibles cost less – Physical damage coverage, also known as collision and other-than-collision, protects your Acura from damage. Some examples of claims that would be covered could be colliding with a building, vandalism, or theft. Physical damage deductibles are the amount of money you are willing to pay in the event of a claim. The more money the insured has to pay upfront, the lower your rates will be for Legend coverage.
  • Are you male or female? – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes cause accidents in similar percentages, but the men cause more damage. Men also statistically get cited for more serious violations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.

Tailor your coverage to you

When choosing coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions might point out whether your personal situation may require specific advice.

  • What is the minimum liability in my state?
  • Does insurance cover tools stolen from my truck?
  • Do I need an umbrella policy?
  • Do I need more liability coverage?
  • What is covered by UM/UIM coverage?
  • When can my company non-renew my policy?
  • Am I covered when driving a rental car?
  • Should I buy additional glass protection?
  • Should I file a claim if it’s only slightly more than my deductible?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Save $424 a year. For real?

Progressive, Allstate and Geico consistently run television and radio advertisements. All the companies have a common claim that you can save if you change to them. How can each company make the same claim?

Different companies have a preferred profile for the type of customer that is profitable for them. For instance, a desirable insured could possibly be between the ages of 30 and 50, has no driving citations, and has a high credit rating. A driver who fits that profile will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don’t measure up to the “perfect” profile will be quoted higher prices and this can result in business not being written. The ads state “customers who switch” not “everyone that quotes” save that much. That’s why insurance companies can confidently claim big savings. This emphasizes why you need to get as many comparisons as possible. It’s not possible to predict which insurance companies will have the lowest Acura Legend insurance rates.

Car insurance coverage considerations

Understanding the coverages of your car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on the average car insurance policy.

Liability

Liability coverage can cover injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as repair costs for stationary objects, attorney fees, funeral expenses and legal defense fees. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses for funeral costs, EMT expenses, rehabilitation expenses, dental work and hospital visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, fire damage, damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

Collision coverage pays for 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 pays for things like driving through your garage door, sustaining damage from a pot hole, sideswiping another vehicle, rolling your car and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Acura Legend.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Have the Midas touch

When shopping online for insurance, never buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage for the lowest price, not the least amount of coverage.

We’ve covered some good ideas how you can reduce 1993 Acura Legend insurance prices online. It’s most important to understand that the more you quote, the higher your chance of finding lower rates. Drivers may discover the most savings is with the smaller companies. These companies may cover specific market segments cheaper as compared to the big name companies such as Geico and State Farm.

Additional detailed information is located at these sites: