1999 Acura Integra Insurance Quotes – 6 Discounts for Best Rates

Finding cheaper auto insurance on the web may seem to be somewhat difficult for people who are new to online price comparisons. With so many options of insurers to choose from, how are people expected to have a chance to compare them all to find the best available price?

Smart consumers take time to shop coverage around quite often because prices are rarely the same from one policy term to another. Just because you found the lowest quotes for Integra insurance six months ago you can probably find a lower rate today. You can search a lot of auto insurance online, but you can learn some great ways to lower your auto insurance premiums.

Discount car insurance quotes

Some providers don’t always list every policy discount very clearly, so we break down a few of the more well known in addition to some of the lesser obvious credits available to you.

• Defensive Driver Discount – Taking time to complete a course that instructs on driving safety is a good idea and can lower rates if you qualify.
• Use Seat Belts – Buckling up and requiring all passengers to buckle up could save 15% on the medical payments or PIP coverage costs.
• Discount for Swiching Early – Some larger companies provide a discount for signing up early. You may see this discount when you get auto insurance quotes online.
• Discount for Life Insurance – Some insurance carriers give better rates if you take out a life insurance policy as well.
• Service Members Pay Less – Having a deployed family member may lower your rates slightly.
• Theft Deterent – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and qualify for as much as a 10% discount.

A little disclaimer on discounts, some of the credits will not apply the the whole policy. Some only reduce specific coverage prices like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Larger car insurance companies and their possible discounts are shown below.

• State Farm offers discounts including good student, driver’s education, anti-theft, accident-free, and defensive driving training.
• Progressive has discounts for homeowner, multi-policy, continuous coverage, good student, online signing, and online quote discount.
• Travelers may include discounts for good student, payment discounts, early quote, new car, continuous insurance, multi-policy, and student away at school.
• American Family offers discounts for early bird, good student, mySafetyValet, air bags, and Steer into Savings.
• Liberty Mutual may offer discounts for newly married, new graduate, hybrid vehicle, safety features, and new move discount.

When getting free auto insurance quotes, it’s a good idea to every prospective company which discounts you may be entitled to. Some discounts might not be offered on policies in your area. To view insurance companies with discount rates, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.

• Is my 1999 Acura Integra covered for smoke damage?
• Am I getting all the discounts available?
• Do I have coverage when using my vehicle for my home business?
• Does medical payments coverage apply to all occupants?
• Will my rates increase for filing one claim?
• Can I rent a car in Mexico?
• Does my car insurance cover rental cars?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form.

Car insurance ads bend the truth

Car insurance providers like State Farm and Allstate endlessly run ads in print and on television. All the companies advertise claims that you’ll save big just by moving your coverage to them. Is it even possible that every company can give you a better price?

Car insurance companies have a certain “appetite” for the type of customer that earns them a profit. For example, a desirable insured may be between the ages of 40 and 55, has a clean driving record, and drives a vehicle with a low ISO rating. A propective insured that fits those parameters will get a cheap rate quote as well as save a lot if they switch.

Potential customers who don’t qualify for the requirements will have to pay a higher rate which results in business going elsewhere. If you pay attention, the ads say “drivers that switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently make claims that they all have the best rates. Because of these techniques, you really need to compare free auto insurance quotes often. It is impossible to guess which company will have the best prices for your profile.

Car insurance coverage information

Learning about specific coverages of your insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for immediate expenses like EMT expenses, dental work and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

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

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for things such as repair costs for stationary objects, funeral expenses, court costs and legal defense fees. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Comprehensive auto coverage – Comprehensive insurance covers 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 can pay for claims such as fire damage, theft, falling objects and hail damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This coverage will pay to fix damage to your Integra from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, scraping a guard rail, damaging your car on a curb, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Summing up your auto insurance search

As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. There are many occasions where an accident victim reduced physical damage coverage and discovered at claim time they didn’t have enough coverage. Your objective should be to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.

Consumers leave their current company for a variety of reasons including unfair underwriting practices, policy non-renewal, being labeled a high risk driver and high prices. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

Cost effective 1999 Acura Integra insurance can be bought online and with local insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some companies may not provide rates over the internet and usually these smaller providers work with independent agents.

For more information, take a look at these articles:

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Airbag FAQ (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)