Save on 1997 Acura Integra Insurance Cost

Looking for the cheapest insurance rates for your Acura Integra? Finding the cheapest insurance for your Acura Integra can normally be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to compare insurance rates and we’ll show you the proper way to price shop coverage on a Acura and find the cheapest rates either online or from local insurance agents.

Low cost car insurance prices

Comparing car insurance rates can be exhausting if you aren’t aware of the fastest way to get free quotes. You could spend the better part of a day driving to local insurance agents in your area, or you could use the web to get the quickest rates.

All the larger companies belong to a marketplace where insurance shoppers complete one form, and each company can provide price quotes determined by their information. This prevents consumers from doing quote forms for each company.

To use this form to compare rates click here to start a free quote.

The only drawback to pricing coverage this way is you are unable to specify the companies to receive prices from. So if you want to choose individual companies to compare prices, we put together a list of the cheapest car insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but make sure you compare the exact same coverage limits and deductibles for every quote you compare. If you compare different limits and deductibles on each one you will not be able to determine the lowest rate for your Acura Integra.

Learn how to lower your insurance rates

It’s important that you understand some of the things that aid in calculating your insurance rates. If you have some idea of what determines premiums, this enables informed choices that can earn you big savings.

The items below are a few of the things that factor into your prices.

• Gender matters – Over time, data shows females are less aggressive when driving. That doesn’t necessarily mean that men are worse drivers. Males and females are in accidents at a similar rate, but men have costlier accidents. Not only are claims higher, but men get ticketed for serious violations such as DWI and reckless driving.
• Safer occupants lowers rates – Vehicles with high crash test scores can get you lower premiums. The safest vehicles result in less severe injuries and lower injury rates means lower claim amounts and lower rates for you.
• Vehicle theft costs us all – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your insurance. Theft prevention devices like OnStar, LoJack tracking, and tamper alarms can help prevent your vehicle from being stolen.
• Single drivers take more risk – Your spouse can get you a discount compared to being single. Having a spouse translates into being less irresponsible and statistics show married drivers tend to have fewer serious accidents.
• Annual miles impacts premiums – The more miles you rack up on your Acura every year the more you’ll pay to insure it. Many insurance companies calculate prices partially by how you use the vehicle. Cars that are left in the garage qualify for better rates than vehicles that have high annual mileage. Improper usage on your Integra can cost quite a bit. It’s a good idea to make sure your insurance declarations sheet shows the proper vehicle usage, because it can save money.
• Consolidate policies to earn discounts – Some insurance companies allow lower prices to clients that purchase more than one policy. It’s known as a multi-policy discount. Even with this discount applied, it’s still a good idea to compare rates to ensure the best deal. It’s possible to still find better rates even if you insure with multiple companies
• Higher deductibles cost less – Physical damage deductibles tell how much you are willing to pay in the event of a claim. Protection for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some examples of claims that would be covered would be collision with another vehicle, collision with a deer, and damage from wind. The higher the amount you pay before a claim is paid (deductible), the less money you will pay for insurance for Integra coverage.

Insurance Discounts

Car insurance companies don’t always publicize every discount in an easy-to-find place, so the below list has both well-publicized in addition to some of the lesser obvious credits available to bring down your rates. If you aren’t receiving every discount possible, you are paying more than you should be.

• Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% for Integra coverage with some insurance companies.
• Renewal Discounts – Some companies give discounts for signing up before your current coverage expires. You could save around 10% when you buy insurance coverage online.
• Theft Deterent Discount – Vehicles optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
• Drive Safe and Save – Insureds without accidents can save as much as half off their rates for Integra coverage than drivers with accidents.
• Active Service Discounts – Being on active deployment in the military could qualify you for better premium rates.
• Good Students Pay Less – Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
• Save over 55 – Drivers that qualify as senior citizens may qualify for better insurance rates for Integra coverage.

A quick disclaimer, many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. Even though it may seem like you can get free auto insurance, companies don’t profit that way. But any discount will help lower your overall premium however.

A list of insurance companies and a partial list of their discounts are:

• Progressive offers premium reductions for homeowner, good student, online quote discount, multi-vehicle, and continuous coverage.
• SAFECO may have discounts that include accident prevention training, bundle discounts, homeowner, anti-lock brakes, and safe driver.
• American Family includes discounts for multi-vehicle, TimeAway discount, mySafetyValet, accident-free, and good student.
• MetLife offers discounts including multi-policy, good student, defensive driver, good driver, accident-free, and claim-free.
• Geico policyholders can earn discounts including anti-lock brakes, driver training, multi-policy, seat belt use, and anti-theft.
• The Hartford discounts include bundle, vehicle fuel type, good student, defensive driver, anti-theft, and air bag.

When getting a coverage quote, ask each insurance company which discounts you qualify for. Depending on the company, some discounts may not be available in your area. If you would like to view providers that offer some of these discounts, click here to view.

Tailor your car insurance coverage to you

When choosing coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

• When can I cancel my policy?
• Will I be non-renewed for getting a DUI or other conviction?
• Why is insurance for a teen driver so high?
• Am I covered if I drive in a foreign country?
• How can I force my company to pay a claim?
• Am I covered when pulling a rental trailer?
• Is other people’s property covered if stolen from my vehicle?
• Can I drive in Mexico and have coverage?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Auto insurance policy specifics

Learning about specific coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Medical expense coverage

Med pay and PIP coverage pay for immediate expenses for prosthetic devices, ambulance fees and chiropractic care. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage can cover damage that occurs to a person or their property in an accident. It protects you against other people’s claims. It does not cover 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 liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 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 like medical services, funeral expenses, court costs and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Auto collision coverage

Collision coverage pays for damage to your Integra from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as damaging your car on a curb, hitting a mailbox, hitting a parking meter, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

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 losses include medical payments for you and your occupants and damage to your Acura Integra.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are set the same as your liablity limits.

Comprehensive protection

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, a broken windshield, fire damage, falling objects and hitting a deer. The maximum payout your auto insurance company will pay 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.

A penny earned…

In this article, we presented many ideas to compare 1997 Acura Integra insurance car insurance rates online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest priced insurance comes from a lesser-known regional company.

While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. In many cases, someone dropped physical damage coverage and discovered at claim time they didn’t purchase enough coverage. The goal is to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.

Some insurance providers may not provide price quotes online and usually these regional carriers only sell through independent insurance agents. Discount 1997 Acura Integra insurance can be bought both online as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money.

Additional information is available at the links below

• Determing Auto Insurance Rates (Geico)
• What is Covered by GAP Insurance? (Allstate)
• Vehicle Insurance in the U.S. (Wikipedia)
• Think You’re a Safe Driver? (State Farm)