View 1995 Acura Integra Insurance Rates

Want cheaper insurance rates for your Acura Integra? There isn’t a single person who gets a kick out of paying for insurance, especially knowing the price is too high. Due to the large number of insurance companies to choose from, it is hard for the average consumer to choose the most cost effective insurance company.

Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Consumers just need to know the tricks to shop over the internet.

How to compare free auto insurance quotes

There are several ways to compare auto insurance quotes, but some are less labor-intensive and much quicker. You could spend the better part of a day driving to agents in your area, or you could save time and use the internet to get rates in a matter of minutes.

Many of the larger companies participate in an industry program where prospective buyers enter their policy data once, and each company can give them a price based on that data. This eliminates the need for quote requests to each individual auto insurance company.

To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to comparing rates this way is you can’t choose the companies you want to price. If you prefer to choose specific insurance companies for rate comparison, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

Which method you use is up to you, but make darn sure you compare exactly the same information for each price quote. If the quotes have unequal deductibles or liability limits it’s not possible to determine which company has the best rates.

Four things that influence your insurance costs

A large part of saving on car insurance is knowing some of the things that aid in calculating the level of your policy premiums. If you have a feel for what determines premiums, this enables informed choices that may result in big savings. Multiple criteria are considered when you get your auto insurance bill. Some are obvious such as your driving record, but other criteria are more transparent such as whether you are married or your commute time.

  • Be proud to be claim-free – Auto insurance companies award the best rates to people who file claims infrequently. If you file claims often, you can look forward to increased rates or even have your policy non-renewed. Your insurance policy is intended to be relied upon for more catestrophic claims.
  • Older drivers pay less – Teenage drivers are proven to be inattentive when driving with friends so they pay higher car insurance rates. Having to add a teenage driver onto your car insurance can really hurt. Older drivers are more cautious drivers, cause fewer claims and accidents and tend to be get fewer driving tickets.
  • Occupation and insurance prices – Did you know your job can affect your rates? Occupations like judgesairline pilots and emergency personnel generally pay the highest average rates due to high stress and incredibly demanding work hours. Conversely, occupations such as scientists, athletes and retirees pay the least for Integra insurance.
  • Being married can lower costs – Being married may cut your premiums on car insurance. It generally demonstrates drivers are more mature than a single person it has been statistically shown that married drivers get in fewer accidents.

More affordable rates with these discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be asked for in order for you to get them.

  • Senior Citizen Rates – Seniors are able to get reduced rates for Integra insurance.
  • Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies permit an accident without the usual rate increase so long as you haven’t had any claims for a particular time prior to the accident.
  • Include Life Insurance and Save – Select insurance carriers reward you with lower insurance coveragerates if you buy a life insurance policy as well.
  • Early Switch Discount – A few insurance companies allow discounts for buying a new policy prior to your current policy expiration. This discount can save up to 10%.
  • Student in College – Any of your kids who are attending college and leave their car at home can be insured at a reduced rate.
  • Discount for Good Grades – Excelling in school can save 20 to 25%. Most companies allow this discount well after school through age 25.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Acura could qualify for lower insurance coveragerates due to less chance of an accident.
  • Paper-free Discount – Certain insurance coverage companies will discount your bill up to fifty bucks shop insurance coverage online.

A quick disclaimer, most discount credits are not given to the entire cost. Most cut the price of certain insurance coverages like medical payments or collision. Even though it appears you could get a free insurance coverage policy, insurance companies wouldn’t stay in business.

Popular insurance coverage companies and their possible discounts can be found below.

  • State Farm includes discounts for Drive Safe & Save, good driver, driver’s education, safe vehicle, and Steer Clear safe driver discount.
  • GEICO may include discounts for anti-theft, multi-policy, air bags, anti-lock brakes, and emergency military deployment.
  • Liberty Mutual has savings for good student, new move discount, new vehicle discount, hybrid vehicle, multi-policy, safety features, and multi-car.
  • The Hartford policyholders can earn discounts including vehicle fuel type, defensive driver, good student, anti-theft, and driver training.
  • MetLife discounts include defensive driver, good driver, good student, claim-free, accident-free, multi-policy
  • Progressive may offer discounts for good student, multi-policy, online quote discount, continuous coverage, multi-vehicle, homeowner, and online signing.

When getting a coverage quote, ask every company which discounts you may be entitled to. Depending on the company, some discounts may not apply in your area.

Insurance coverage can be complex

When choosing the best insurance coverage coverage, there really is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions may help you determine if you will benefit from professional help.

  • Do I need medical payments coverage since I have good health insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What can I do if my company won’t pay a claim?
  • How can I find cheaper teen driver insurance?
  • What is covered by UM/UIM coverage?
  • When can I cancel my policy?
  • Will my rates increase for filing one claim?
  • Are rental cars covered under my policy?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

What auto insurance coverages do you need?

Knowing the specifics of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages available from auto insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills for things like surgery, nursing services, hospital visits and prosthetic devices. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, damage from flooding and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for 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, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Coverage for liability

This coverage can cover damage that occurs to people or other property that is your fault. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as bail bonds, court costs, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

This pays for damage to your Integra from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, rolling your car, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Best coverage at the best price

When getting insurance coverage quotes online, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

Lower-priced 1995 Acura Integra insurance can be found from both online companies and from local insurance agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. Some insurance providers may not offer the ability to get a quote online and usually these smaller companies work with local independent agents.

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Comments About 1995 Acura Integra Insurance

  1. Gracia Watson

    I switched to GEICO. Quoted good rates in New York City, NY. Did it all online. When should I drop full coverage?

  2. Daphine Cunningham

    Will 21st Century raise rates for a windshield claim?

  3. Norene Frost

    Lots of useful info here. I live in a small town just outside of Wichita, KS. I quoted with Western Auto Insurance, AAA, GMAC, and MetLife for my Integra and saved $80 a year. BTW speeding tickets are not good. Next renewal I’ll just do liability.

  4. Mavis Slater

    Anyone buy from American Family? I’m in Albuquerque, NM.

  5. Iliana Stevens

    Is a custom audio system covered by insurance?

  6. Benjamin Ellis

    Great info, thanks for posting. I live just to the east of Las Cruces, NM. Got car insurance rates from Allstate, Auto-Owners, and some I forget for my 1995 Acura Integra and saved just over $80 a year. Insured with Safeco before. Got better coverage too. Liability only on my Integra.

  7. Carey Lindsey

    I got decent rates for a 1995 Acura Integra in Memphis, TN. Ended up at right around $100 every six months with American Family. Thankfully I’m not a high risk driver. I got prices on the web. I think I’ll get rid of full coverage next time.

  8. Etha Riggs

    Does Pennsylvania have minimum liability laws?

  9. Ernestine Thomas

    I got a good deal I think. I’m in the west part of Henderson, Nevada. I got free quotes with State Farm, AAA, and Erie for my Acura and saved just over $90 a year. Left Travelers to switch. Good multi-policy discounts.

  10. Lissa Rosario

    I went with State Farm at renewal. Best rates in Reno, Nevada. It’s easy to compare rates online now.

  11. Erwin Hansen

    I’m from Burlington, Vermont. Don’t remember every company but I ended up saving about $30 each month. They have a lot of discounts available. Hardly afford to drive anymore.

  12. Winston Gilmore

    Where is cheaper car insurance? I live east of Columbus, OH. Got car insurance quotes with Liberty Mutual, American Family, MetLife, and a couple others for my Integra and saved about $70 a year. Insured with Sentry before. It was easy to get rates. I dropped full coverage awhile back.