Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Drivers have a choice when trying to find affordable Acura Vigor insurance. They can either waste time driving around to compare prices or use the internet to compare rates.

There are more efficient ways to buy insurance and you need to know the absolute fastest way to get price quotes on a Acura and find the best price possible from both online companies and local agents.

How to get auto insurance quotes

Getting a cheaper price on 1992 Acura Vigor insurance is a great way to save money. Just spend a few minutes on the computer comparing rates to see which company has inexpensive insurance coverage quotes. This can be done by using one of the methods below.

  • One of the fastest ways to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for repetitive form submissions for every auto insurance company. Completing one form gets prices estimates from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  • A less efficient way to compare prices requires a visit to the website for each individual company and repeat the quote process again and again. For instance, we’ll assume you want rates from Nationwide, Allstate and Progressive. To find out each rate you need to spend time going to each site individually and punch in your information repeatedly, which can get rather old. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples coverages for every company. If the quotes have different liability limits then you won’t be able to get a fair rate comparison.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Get lower-cost rates with these eight discounts

Companies that sell car insurance don’t always advertise every discount they offer very clearly, so below is a list a few of the more well known and also the more inconspicuous discounts that may be available. If you do not check that you are getting every discount available, you’re paying more than you need to.

  • Good Grades Discount – Getting good grades may save as much as 25% on a insurance coverage quote. The discount lasts up to age 25.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Auto/Home Discount – When you have multiple policies and place coverage with the same company you could save at least 10 to 15 percent or more.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn lower rates if you buy life insurance.
  • Discount for New Cars – Buying a new car instead of a used car can get you a discount due to better safety requirements for new model year vehicles.
  • Own a Home and Save – Owning your own home or condo may trigger a policy discount on insurance since home ownership shows financial diligence.
  • Paperless Signup – Some insurance companies will provide an incentive for buying your policy over the internet.
  • No Accidents – Drivers with accident-free driving histories can save substantially compared to frequent claim filers.

Don’t be shocked that most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like you could get a free insurance policy, it just doesn’t work that way. Any amount of discount will positively reduce the cost of coverage.

Larger insurance companies and a selection of discounts are included below.

  • GEICO may have discounts that include daytime running lights, air bags, anti-lock brakes, federal employee, and membership and employees.
  • Travelers has savings for driver training, save driver, payment discounts, multi-car, home ownership, continuous insurance, and multi-policy.
  • Nationwide has discounts for easy pay, multi-policy, Farm Bureau membership, business or organization, and defensive driving.
  • Farmers Insurance may offer discounts for multi-car, teen driver, youthful driver, bundle discounts, business and professional, and distant student.
  • Esurance discounts include renters, Switch & Save, safety device, claim free, multi-policy, defensive driver, and multi-car.
  • State Farm offers discounts including defensive driving training, anti-theft, accident-free, multiple autos, safe vehicle, and driver’s education.
  • Progressive policyholders can earn discounts including online signing, online quote discount, homeowner, multi-policy, continuous coverage, and multi-vehicle.
  • Mercury Insurance includes discounts for professional/association, type of vehicle, good driver, age of vehicle, and accident-free.

Before purchasing a policy, check with each company which discounts you may be entitled to. Discounts may not apply to policyholders in your state. To see providers who offer free insurance quotes, click here to view.

Auto insurance can be complex

When it comes to buying coverage, there is no “best” method to buy coverage. Every situation is different.

For instance, these questions could help you determine whether you would benefit from professional advice.

  • Is business property covered if stolen from my car?
  • Do I need rental car coverage?
  • How much can I save by bundling my policies?
  • Should I carry comprehensive and collision coverage?
  • Do I have coverage when making deliveries for my home business?
  • How can I find cheaper teen driver insurance?
  • Exactly who is provided coverage by my policy?
  • Does insurance cover tools stolen from my truck?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your policy

Having a good grasp of a insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Acura Vigor.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a deer, falling objects, damage from getting keyed, rock chips in glass and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability car insurance – Liability insurance can cover injuries or damage you cause to a person or their property in an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims such as medical expenses, funeral expenses and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like surgery, ambulance fees, X-ray expenses and chiropractic care. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Collision coverages – Collision insurance will pay to fix damage to your Vigor resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like driving through your garage door, hitting a parking meter, 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 lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Power to the consumer

Affordable 1992 Acura Vigor insurance can be found both online and from local insurance agents, so you should compare both in order to have the best chance of saving money. Some companies may not provide the ability to get quotes online and most of the time these small, regional companies work with independent agents.

Throughout this article, we presented many ways to compare 1992 Acura Vigor insurance car insurance rates online. It’s most important to understand that the more quotes you get, the higher your chance of finding low cost insurance coverage. Consumers may even find the lowest car insurance rates come from an unexpected company.

Drivers leave their current company for many reasons like being labeled a high risk driver, not issuing a premium refund, poor customer service and denial of a claim. Whatever your reason, choosing a new insurance company can be pretty painless.

More detailed insurance coverage information is located in these articles: