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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It’s all about you. We want to help you make the right coverage choices.

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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Did you come to the realization that you have an underperforming, overpriced insurance coverage policy? You’re preaching to the choir because you’re not the only one. Companies like State Farm, GEICO and Farmers Insurance all claim big savings with ad campaigns and it can be hard to ignore the propoganda and effectively compare rates to find the best deal.

Consumers should take time to price shop coverage quite often because insurance coverage prices go up and down regularly. Even if you got the best rates on Vigor insurance a few years ago a different company probably has better rate quotes today. There is a lot of bad information regarding insurance coverage out there, but by reading this article, you’re going to learn some guaranteed methods to quit paying high insurance coverage rates.

If you have a current insurance policy or are shopping for new coverage, you will benefit by learning to cut your premiums while maximizing coverage. Choosing the best insurance company for you is quite easy. Consumers only need an understanding of the best way to get comparison quotes online.

Compare insurance quotes online

Comparing insurance rates can be exhausting if you don’t know the easiest way. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you can stay home and use the web for quick rates.

Most major companies participate in a marketplace that enables customers to enter their policy data once, and each participating company returns a rated price determined by their information. This saves time by eliminating quote forms for every insurance company.

To submit your quote information now, click here to open in new window.

The one disadvantage to getting quotes like this is that consumers can’t choose the companies you want to price. If you prefer to choose from a list of companies to receive pricing from, we put together a list of companies who write insurance in your area. Click here to view list.

The method you choose is up to you, but ensure you’re using the same coverage limits on every quote. If the quotes have higher or lower deductibles it will be nearly impossible to find the best deal for your Acura Vigor.

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

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These discounts can lower your insurance coverage quotes

Insurance coverage is easily one of your largest bills, but you may be missing some discounts that you may not even know about. Larger premium reductions will be automatically applied at quote time, but a few must be inquired about before you get the savings.

  • First Accident Forgiveness – This one is not really a discount per se, but companies like Allstate and Progressive will forgive one accident before they charge you more for coverage with the catch being you have to be claim-free before the accident.
  • Discounts for Good Drivers – Safe drivers can pay as much as 50% less on Vigor insurance than drivers with accidents.
  • Smart Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Online Discount – A few insurance coverage companies will give you a small discount just for signing your application on the web.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could save 15% off the medical payments premium.

Discounts save money, but please remember that most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like collision or personal injury protection. Even though it appears all those discounts means the company will pay you, it doesn’t quite work that way.

Insurance companies that may have some of the discounts shown above may include but are not limited to:

When getting free car insurance quotes, it’s a good idea to every insurance company what discounts are available to you. Some discounts listed above might not apply in your area. If you would like to see a list of providers that offer discounts, click this link.

Different people need different car insurance coverages

When buying coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might point out if you may require specific advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Does my insurance cover a custom paint job?
  • How much can I save by bundling my policies?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is no-fault insurance?
  • Should I buy full coverage?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Insurance coverages and their meanings

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

Collision coverage

This covers damage to your Vigor resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with another moving vehicle, crashing into a ditch, colliding with a tree, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Acura Vigor.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, damage from getting keyed, damage from a tornado or hurricane, falling objects and rock chips in glass. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like hospital visits, X-ray expenses, surgery, pain medications and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to people or other property. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things such as medical services, emergency aid, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

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

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In conclusion

A few companies do not provide price quotes online and most of the time these regional carriers sell through local independent agents. Lower-priced insurance coverage is definitely available online as well as from insurance agents, and you should compare rates from both so you have a total pricing picture.

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice full coverage to discover at claim time that they should have had better coverage. The goal is to find the BEST coverage at the lowest possible cost while still protecting your assets.

More detailed insurance coverage information can be found at these sites: