Lower Your 1992 Acura Integra Insurance Cost

Trying to find cheaper insurance rates for your Acura Integra? Nobody I know is fond of buying insurance, especially knowing the prices are way too high. Online insurance companies like Geico, 21st Century and Progressive continually hit you with ads and it is difficult to see through the deception and effectively compare rates to find the best deal.

It’s a great practice to do rate comparisons occasionally because insurance prices are usually higher with each renewal. Even if you got the best price for Integra coverage at your last renewal the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding insurance out there, but you can learn some excellent ideas to save money.

If you have insurance now or are just looking to switch companies, you can use these techniques to cut your premiums and possibly find even better coverage. Choosing the best insurance company for you is not rocket science. Drivers only need to know the best way to get comparison quotes online.

The quickest method to compare insurance rates from multiple companies utilizes the fact car insurance companies participate in online systems to provide you with a free rate quote. To start a quote, the only thing you need to do is spend a couple of minutes providing details like if the vehicle is leased, coverage limits, how much you drive, and whether you are single or married. Your rating data is automatically sent to insurance carriers in your area and you should receive rate quotes quickly.

Car insurance savings promises

Drivers can’t get away from ads for car insurance savings from the likes of Progressive, Allstate and Geico. All the companies tend to make the same promise about saving some big amount if you change your car insurance policy to them.

How do they all make almost identical claims?

Different companies give the best rates for a prospective insured that makes them money. An example of a driver they prefer should be over the age of 35, carries full coverage, and insures a new vehicle. A driver that hits that “sweet spot” will get very good auto insurance rates and is almost guaranteed to pay quite a bit less when switching companies.

Insureds who do not fit the requirements may receive a higher rate and the driver buying from a lower-cost company. If you listen closely, the ads state “drivers that switch” not “all people who quote” save that kind of money. This is how companies can truthfully make it sound like they have such great prices. This illustrates why drivers must do a quote comparison often. Because you cannot predict which company will have the best premium rates for your profile.

Four factors that influence insurance rates

Consumers need to have an understanding of the different types of things that are used to determine the rates you pay for auto insurance. If you have some idea of what determines base rates, this allows you to make good choices that will entitle you to lower auto insurance prices.

• Do you really need roadside assistance? – There are many extra bells and whistles that you can buy when buying auto insurance. Insurance for rental car coverage, accident forgiveness, and term life insurance may not be needed and are just wasting money. These coverages may sound good when talking to your agent, but if you’ve never needed them in the past eliminate them to save money.
• Teenage drivers pay higher premiums – Mature drivers have been proven to be more responsible, statistically cause fewer accidents and get fewer tickets.Drivers with little experience have been known to be inattentive and easily distracted when at the wheel of a vehicle so auto insurance rates are higher.
• Accidents inflate costs – Attentive drivers have lower premiums than people who have multiple driving citations. Getting just one speeding ticket can boost insurance rates by as much as thirty percent. People who have severe violations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
• Do men or women drive better? – Statistics have proven that females tend to be a little less risky than males. That doesn’t necessarily mean that women are better drivers. Males and females are responsible for auto accidents in similar percentages, but the men have costlier accidents. Men also tend to get ticketed for serious violations like driving under the influence (DUI).

Find hidden discounts on auto insurance

Some companies do not list the entire discount list very well, so we break down a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.

• Multiple Cars – Buying a policy with several vehicles on the same auto insurance policy can reduce rates for all insured vehicles.
• College Student – who are attending college without a vehicle on campus can be insured at a reduced rate.
• Senior Citizens – Seniors are able to get lower premium rates for Integra coverage.
• Good Student – Maintaining excellent grades may save as much as 25% on a car insurance quote. Earning this discount can benefit you well after school through age 25.
• Passive Restraints – Options like air bags and/or automatic seat belt systems can receive discounts as much as 30%.
• Accident Forgiveness Coverage – but companies like Progressive, Allstate, and Liberty Mutual permit an accident before your rates go up if you have no claims for a specific time period.
• Homeowners Savings – Owning a house can get you a discount because maintaining a house is proof that your finances are in order.

Policy discounts save money, but many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like all those discounts means the company will pay you, that’s just not realistic. Any qualifying discounts will cut the premium cost.

If you would like to choose from a list of providers with discount auto insurance rates, follow this link.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight if you may require specific advice.

• Do I have newly-aquired coverage?
• Is a fancy paint job covered?
• Why am I be forced to buy a membership to get insurance from some companies?
• Can I afford to buy a different vehicle if my 1992 Acura Integra is totaled?
• Is other people’s property covered if stolen from my vehicle?
• What are the best liability limits?
• Am I covered if I hit my neighbor’s mailbox?
• How much can I save by bundling my policies?
• What is covered by UM/UIM coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Detailed coverages of your insurance policy

Having a good grasp of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Auto collision coverage

This will pay to fix damage to your Integra caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, backing into a parked car, rolling your car, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical expense coverage

Med pay and PIP coverage pay for immediate expenses like funeral costs, doctor visits, chiropractic care, ambulance fees and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your 1992 Acura Integra.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, theft, damage from a tornado or hurricane and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability

Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things like medical services, court costs and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Shop smart and save

Cheap 1992 Acura Integra insurance can be sourced online and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not provide online price quotes and usually these smaller providers work with local independent agents.

We just showed you a lot of techniques to compare 1992 Acura Integra insurance car insurance rates online. The most important thing to understand is the more companies you get premium rates for, the more likely it is that you will get a better rate. You may even find the lowest priced auto insurance comes from some of the smallest insurance companies. Some small companies may only write in your state and offer lower premium rates compared to the large companies like State Farm, Geico and Nationwide.

For more information, link through to these articles:

• Credit Impacts Car Insurance Rates (State Farm)
• Coverage Information (Progressive Insurance)
• Neck Injury FAQ (iihs.org)
• Senior Drivers (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)