Compare 1996 Acura Integra Car Insurance Quotes

Looking for the cheapest car insurance rates for your Acura Integra? Are you burned out from not being able to scrape enough together to keep your car insured? You have the same problem as millions of other people.

You have so many insurers to insure vehicles with, and even though it’s nice to have a choice, too many choices makes it more difficult to find the lowest rates.

Consumers should take time to get comparison quotes occasionally because car insurance prices are variable and change quite frequently. Even if you got the best price on Integra insurance last year you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the proper way to properly buy coverages while reducing your premium.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. Although vehicle owners must comprehend the methods companies use to compete online.

Quote insurance coverage online

Most major insurance companies allow you to get price estimates from their websites. Getting quotes doesn’t take a lot of time as you simply enter your coverage preferences into the quote form. Behind the scenes, the quote system requests information on your driving record and credit history and generates a price. This streamlines rate comparisons, but the process of having to visit several different sites and type in the same information can be a bit repetitive. But it’s absolutely necessary to compare as many rates as possible if you want to get the best price possible.

The easiest way to lower your rates utilizes a single form to obtain quotes from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much more enjoyable. After sending the form, it gets priced with multiple companies and you can pick any or none of the returned quotes. If a lower price is quoted, it’s easy to complete the application and buy the new coverage. The entire process takes 15 minutes at the most and could lower your rates considerably.

To use this form to compare rates, click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you duplicate the limits and deductibles exactly as shown on your declarations page. This way, you’re receiving rate quotes for the exact same coverage.

Insurance quotes and discounts

Some insurance providers don’t always publicize every discount they offer very well, so the following is a list of some of the more common as well as some of the hidden ways to save on insurance.

• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn lower rates if you buy a life policy as well.
• Distant College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle can be insured at a reduced rate.
• Responsible Driver Discounts – Drivers who avoid accidents can get discounts for up to 45% lower rates on Integra insurance compared to accident prone drivers.
• Discount for Multiple Policies – If you insure your home and vehicles with the same company you will save 10% to 20% off each policy.
• Telematics Data – Drivers that enable data collection to track driving manner by using a small device installed in their vehicle such as State Farm’s In-Drive could possibly reduce rates if they show good driving skills.

Just know that most discounts do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, nobody gets a free ride. But all discounts will definitely lower your policy premiums.

A partial list of companies who may offer some of the discounts shown above include:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

Check with every company which credits you are entitled to. Savings might not be available to policyholders everywhere. If you would like to choose from a list of insurance companies that provide some of the discounts listed above, click here to view.

How to lower your insurance premiums

Lots of factors are part of the equation when you get your auto insurance bill. Some factors are common sense such as your driving history, but some are more obscure like where you live or how financially stable you are.

• Fewer miles means better costs – The more you drive annually the more you’ll pay to insure it. A lot of companies charge to insure your cars based upon how much you drive. Cars not used for work or commuting can be on a lower rate level than those that get driven frequently. A policy that improperly rates your Integra is just wasting money. It’s a smart idea to ensure your vehicle rating properly reflects the correct driver usage.
• Cheaper premiums for prior coverage – Driving without insurance is against the law and you will pay a penalty because you let your insurance lapse. Not only will you pay more, the inability to provide proof of insurance could result in a hefty fine and possibly a revoked license.
• You might get higher premiums if you are single – Getting married may earn you lower rates on your policy. Having a significant other is viewed as being more mature and statistics prove being married results in fewer claims.
• Insurance companies don’t like frequent policy claims – If you tend to file frequent claims, you can expect higher rates. Auto insurance companies provide better rates to policyholders who do not file claims often. Insurance coverage is designed for claims that you cannot pay yourself.
• Females tend to take less risk – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Both genders tend to get into auto accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
• Your credit score is important – Having a bad credit history factor in determining your rates. So if your credit score can be improved, you could be paying less to insure your 1996 Acura Integra by spending a little time repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with bad credit.
• Big cities mean more claims – Having an address in small towns and rural areas may provide you with better prices when it comes to insurance coverage. Lower population means a lower chance of having an accident in addition to fewer liability claims. People in densly populated areas have traffic congestion and longer commute times. Spending more time driving means more chance of being in an accident.
• Liability insurance risk factors in – Your policy’s liability coverage is the protection if ever a court rules you are at fault for causing personal injury or damage in an accident. Liability provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.

Situations that may require an agent’s advice

When it comes to choosing adequate coverage, there isn’t really a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.

• I have a DUI can I still get coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Can my teen driver be rated on a liability-only vehicle?
• Can I get a multi-policy discount?
• What if I owe more than I can insure my car for?
• At what point should I drop full coverage?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

But they said I’d save $461 a year!

Progressive, Geico, Allstate and State Farm seem to constantly run ads in print and on television. All the ads say the same thing that drivers can save some big amount just by switching your policy. How is it plausible that every one can charge less that you’re paying now? This is the way they can do it.

Insurance companies offer their best rates for the type of customer that is profitable for them. A good example of a desirable insured may be between the ages of 30 and 50, has few claims, and drives newer vehicles. Anyone who meets those qualifications will probably get the lowest prices and therefore will save when switching.

People who don’t qualify for these standards will get higher rates which leads to business going elsewhere. Company advertisements say “customers that switch” but not “all drivers who get quotes” will save that much if they switch. That’s why insurance companies can claim big savings. Each company has different criteria, so drivers must compare free car insurance quotes often. It’s impossible to know which company will have the lowest prices for your situation.

Insurance policy specifics

Learning about specific coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

Liability coverages

This will cover damages or injuries you inflict on people or other property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims such as attorney fees, emergency aid, medical expenses, bail bonds and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Acura Integra.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, falling objects, vandalism and damage from getting keyed. The most 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 probably time to drop comprehensive insurance.

Collision coverage

This covers damage to your Integra from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as rolling your car, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as pain medications, X-ray expenses, chiropractic care, rehabilitation expenses and EMT expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

More effort can pay off

Cheaper car insurance is attainable on the web in addition to local insurance agencies, so you need to shop car insurance with both to get a complete price analysis. Some insurance companies may not provide online quoting and these small insurance companies only sell through independent agencies.

We just covered some good ideas how you can lower your 1996 Acura Integra insurance rates. It’s most important to understand that the more times you quote, the better your chances of lowering your auto insurance rates. You may even find the lowest rates come from some of the lesser-known companies. These smaller insurers may only write in your state and offer lower auto insurance rates as compared to the big name companies such as Geico and State Farm.

More articles

• Winter Driving (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Shopping for a Safe Car (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)