1998 Acura Integra Insurance Quotes – 6 Savings Tips

Shoppers have options when shopping for the best price on Acura Integra insurance. They can either waste time driving around getting price quotes or leverage the internet to get rate quotes. There are more efficient ways to compare insurance coverage rates and we’ll show you the absolute fastest way to compare rates for a Acura and get the best price possible from both online companies and local agents.

Choosing the best insurance company for you is not that difficult. If you have car insurance now, you will be able to reduce your rates substantially using these techniques. Vehicle owners only need to know the most efficient way to compare price quotes on the web.

Do you qualify for discount car insurance?

Car insurance is easily one of your largest bills, but there’s a good chance there are discounts that many people don’t even know exist. Certain credits will be shown at the time you complete a quote, but a few must be specifically requested prior to receiving the credit.

• Paperwork-free – Some car insurance companies will give you a small discount shop car insurance on the web.
• Claim Free – Good drivers with no accidents can earn big discounts in comparison to drivers with a long claim history.
• Memberships – Participating in qualifying clubs or civic groups can get you a small discount on your next renewal.
• Military Discounts – Being deployed with a military unit could mean lower rates.
• More Vehicles More Savings – Purchasing coverage when you have multiple vehicles on one policy can reduce rates for all insured vehicles.
• Resident Student – College-age children who live away from home to go to college and don’t have a car may qualify for this discount.

Don’t be shocked that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you’re out of luck. Any amount of discount will positively reduce the premium cost.

Some companies that may offer most of the discounts above include:

• Geico
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

Before you buy a policy, ask every insurance company which discounts you may be entitled to. All car insurance discounts might not be offered on policies in your area. To see a list of car insurance companies that offer discounts, follow this link.

What insurance coverages do I need?

When it comes to buying coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different.

For example, these questions could help you determine if you will benefit from professional help.

• How much liability insurance is required?
• Who is covered when they drive my 1998 Acura Integra?
• Does having multiple vehicles earn me a discount?
• Does coverage extend to a rental car in a foreign country?
• Is my ex-spouse still covered by my policy?
• How can I find cheaper teen driver insurance?
• Do I pay less for low miles?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages and their meanings

Knowing the specifics of insurance can help you determine appropriate coverage for your vehicles. Insurance terms can be confusing and coverage can change by endorsement.

Auto liability

This coverage provides protection from injuries or damage you cause to other people or property. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like court costs, medical expenses, funeral expenses and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, vandalism, a broken windshield, theft and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your 1998 Acura Integra.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like prosthetic devices, rehabilitation expenses and EMT expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Collision protection

This coverage pays for damage to your Integra from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as sustaining damage from a pot hole, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Summing up your insurance search

When searching for inexpensive car insurance quotes, it’s very important that you do not buy poor coverage just to save money. In many instances, consumers will sacrifice physical damage coverage only to discover later that it was a big mistake. The aim is to purchase plenty of coverage for the lowest price and still be able to protect your assets.

Some insurance companies may not have online rate quotes and many times these regional carriers sell through independent agents. Cheaper 1998 Acura Integra insurance can be bought online and from local agencies, so you need to compare both so you have a total pricing picture.

We just covered quite a bit of information on how to lower your 1998 Acura Integra insurance car insurance rates. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding the cheapest car insurance. Drivers may discover the lowest car insurance rates are with an unexpected company.

For more information, take a look at the resources below:

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• Auto Insurance FAQ (Farmers Insurance)
• Auto Insurance Basics (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)