Cheap 1993 Acura Legend Insurance Cost

Searching for better insurance rates for your Acura Legend? Expensive insurance can overdraw your personal savings and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to tighten up your finances.

Insurance companies such as State Farm, Geico and Farmers Insurance persitently shower you with catchy ads and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

Fast and Easy Auto Insurance Quotes

There are a lot of ways to shop for auto insurance, but there is one way that is more efficient than others. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

Most car insurance companies belong to a marketplace that enables customers to only type in their quote data once, and every company provides a quote based on that information. This eliminates the need for quote forms to each company.

To find out how much you can save on auto insurance click here to open in new window.

One minor caviat to using this type of system is that you can’t choose the companies to get quotes from. So if you prefer to choose individual companies to request quotes from, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

However you get your quotes, compare the exact same coverage limits for each price quote. If you enter higher or lower deductibles it will be next to impossible to truly determine the lowest rate. Slightly different coverages may result in large price differences. And when comparison shopping, getting more free quotes will enable you to find the best offered rates.

Tailor your coverage to you

When choosing the best insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions might point out whether or not you will benefit from professional help.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is a blown tire covered by insurance?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered when driving in Canada or Mexico?
  • Should I sign the liability waiver when renting a car?

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

Insurance coverages 101

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.

Collision – This coverage pays for damage to your Legend from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, colliding with another moving vehicle, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Acura Legend.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability auto insurance – This provides protection from injuries or damage you cause to other’s property or people. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as medical expenses, emergency aid, funeral expenses, medical services and court costs. 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.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for expenses for surgery, prosthetic devices, doctor visits and X-ray expenses. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive insurance – This covers 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 can pay for claims like damage from a tornado or hurricane, hitting a bird, rock chips in glass, damage from getting keyed and hail damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.