1990 Acura Integra Car Insurance Cost – 6 Savings Tips

Searching for the cheapest insurance for an Acura Integra can normally be a lot of work, but you can use these tips to save time.

There is a better way to find car insurance online so we’re going to tell you the absolute fastest way to price shop coverage for a Acura and get the best price possible from local insurance agents and online providers.

Do you qualify for these six discounts?

Car insurance companies don’t necessarily list the entire discount list very well, so we researched a few of the more common and the more hidden credits that you can use to lower your rates.

• Driver Training Discounts – Taking time to complete a course that instructs on driving safety can save you 5% or more and easily recoup the cost of the course.
• Auto/Life Discount – Select companies reward you with a discount if you purchase auto and life insurance together.
• Sign Early and Save – Select auto insurance companies give a discount for switching companies early. The savings is around 10%.
• Passive Restraints – Factory air bags or automatic seat belts may qualify for discounts as much as 30%.
• Federal Employees – Active or former government employment may reduce rates when you quote auto insurance for Integra insurance with select insurance companies.
• ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.

As is typical with insurance, most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

Companies that may have these discounts may include but are not limited to:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

When getting free auto insurance quotes, it’s a good idea to each company or agent which discounts you qualify for. Some discounts may not apply to policies in every state. To choose auto insurance companies with discount rates, click here.

Don’t assume everyone needs the same auto insurance coverage

When choosing adequate coverage, there really is no cookie cutter policy. Each situation is unique.

Here are some questions about coverages that could help you determine whether you might need an agent’s assistance.

• Is my trailer covered?
• What is the ISO rating for a 1990 Acura Integra?
• Am I covered when driving someone else’s vehicle?
• When would I need additional glass coverage?
• Can I afford low physical damage deductibles?
• Is my camper covered by my car insurance policy?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Insurance coverage basics

Knowing the specifics of insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, hitting a deer, damage from flooding and hitting a bird. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims such as attorney fees, repair costs for stationary objects, funeral expenses, emergency aid and medical expenses. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Acura Integra.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision protection

Collision coverage pays for damage to your Integra resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like driving through your garage door, sustaining damage from a pot hole, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like rehabilitation expenses, EMT expenses, doctor visits, hospital visits and pain medications. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Quote more. Save more.

Consumers who switch companies do it for a number of reasons such as poor customer service, questionable increases in premium, denial of a claim or an unsatisfactory settlement offer. Regardless of your reason, choosing a new insurance company is less work than it seems.

In this article, we presented a lot of information how to reduce 1990 Acura Integra insurance prices online. The key concept to understand is the more you quote auto insurance, the better your chances of lowering your rates. You may even find the best prices are with a lesser-known regional company.

As you quote auto insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, an insured cut full coverage and learned later that the few dollars in savings costed them thousands. The goal is to purchase a proper amount of coverage at the best possible price.

Other resources

• Older Driver Statistics (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)