How Much Does 1991 Acura Integra Insurance Cost?

Looking for the cheapest car insurance rates for your Acura Integra? Are you burned out from scraping nickels together to keep your car insured? Your situation is no different than many other drivers.

Companies like Geico, 21st Century and Progressive constantly blast consumers with advertising and it is difficult to sift through the bull and take the time to shop coverage around.

If you currently have a car insurance policy, you will most likely be able to save some money using this information. Choosing the best insurance company for you is not rocket science. Nevertheless, vehicle owners must comprehend the way insurance companies sell insurance online and apply this information to your search.

Earn discounts to get lower-cost auto insurance rates

Car insurance companies do not list every possible discount in an easy-to-find place, so below is a list a few of the more common and also the lesser-known discounts that you can inquire about if you buy auto insurance online.

• Discounts for Government Workers – Being employed by or retired from a federal job could provide a small rate reduction on Integra coverage with select insurance companies.
• Savings for New Vehicles – Buying a new car instead of a used car can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
• Responsible Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates on Integra coverage than their less cautious counterparts.
• Student Driver Training – Require your teen driver to successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to use a seat belt can save up to 15% off the PIP or medical payment premium.
• Low Mileage Discounts – Fewer annual miles on your Acura can qualify you for slightly better premium rates than normal.

Please keep in mind that most of the big mark downs will not be given the the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will help lower the amount you pay for coverage.

Companies and their offered discounts can be found below.

• State Farm may offer discounts for multiple autos, driver’s education, multiple policy, defensive driving training, safe vehicle, and passive restraint.
• American Family policyholders can earn discounts including air bags, mySafetyValet, TimeAway discount, bundled insurance, early bird, defensive driver, and multi-vehicle.
• Geico includes discounts for good student, membership and employees, five-year accident-free, anti-lock brakes, multi-policy, and seat belt use.
• 21st Century offers discounts for homeowners, theft prevention, anti-lock brakes, student driver, and good student.
• Progressive may have discounts that include homeowner, multi-policy, online signing, multi-vehicle, good student, and online quote discount.

When comparing rates, check with each company which discounts they offer. Some discounts might not be available to policyholders in your area. To view insurers with the best auto insurance discounts, click here to view.

How your Integra insurance premiums are determined

Part of the insurance coverage buying process is learning a few of the rating criteria that are used to determine the price you pay for insurance coverage. When consumers understand what controls the rates you pay, this allows you to make good choices that could help you find much lower annual insurance costs. Many different elements are part of the calculation when quoting car insurance. Some factors are common sense like your driving record, although some other factors are more transparent like your continuous coverage or how financially stable you are.

The itemized list below are some of the factors that factor into your rate level.

• Age of drivers impacts prices – Mature drivers are viewed as being more responsible, are lower risk to insure , and are generally more financially stable.Teenage drivers have been known to be inattentive when driving with friends so insurance coverage rates are higher.
• Gender matters – The statistics show women tend to be less risk to insure than men. The data does not necessarily mean that males are worse at driving than females. Men and women tend to get into at-fault accidents in similar percentages, but the men cause more damage. In addition to higher claims, males also get more serious tickets like DUI and reckless driving. Teenage male drivers cause the most accidents and therefore are the most expensive to insure.
• Deter theft and pay less – Choosing to buy a car with anti-theft technology or alarm system can get you a discount on your insurance coverage. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms all hinder your vehicle from being stolen.
• How’s your driving record? – Having a clean driving record impacts your car insurance rates tremendously. Drivers with clean records pay lower auto insurance prices than people who have multiple driving citations. Only having one driving citation may increase your cost to the point where it’s not affordable. Drivers with flagrant tickets like DWI, reckless driving or hit and run convictions might be required by their state to maintain a SR-22 with their state in order to drive a vehicle legally.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. These are some specific questions might help in determining if you may require specific advice.

• What should my uninsured motorist coverage limits be in my state?
• Can I afford to buy a different vehicle if my 1991 Acura Integra is totaled?
• Do I have coverage if my license is suspended?
• What is roadside assistance coverage?
• Does my car insurance cover rental cars?
• When should I not file a claim?
• Are rental cars covered under my policy?
• Does my 1991 Acura Integra need full coverage?
• Does my liability insurance cover pulling a trailer or camper?
• Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Information about specific coverages

Understanding the coverages of insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses such as doctor visits, pain medications, prosthetic devices and hospital visits. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Auto liability insurance

This provides protection from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims such as legal defense fees, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

Collision insurance will pay to fix damage to your Integra from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a mailbox, crashing into a building, damaging your car on a curb, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a deer, a broken windshield, rock chips in glass and damage from a tornado or hurricane. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage

This provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Acura Integra.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Save for a rainy day

We’ve covered a lot of information how to save on 1991 Acura Integra insurance. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a lesser-known regional company. Some small companies may have significantly lower rates on certain market segments than their larger competitors like Geico and State Farm.

Discount 1991 Acura Integra insurance is definitely available online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who may not offer rates over the internet and most of the time these smaller providers work with independent agents.

When shopping online for car insurance, never buy poor coverage just to save money. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at an affordable rate, not the least amount of coverage.

To learn more, take a look at these articles:

• Smart Auto Insurance Tips (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Older Drivers FAQ (iihs.org)
• Auto Insurance Basics (Insurance Information Insitute)