Drivers have options when trying to find affordable Acura Integra insurance. They can either waste time driving around trying to get quotes or leverage the internet to make rate comparisons.
There are more efficient ways to find auto insurance online and you need to know the absolute fastest way to quote coverages for a new or used Acura and get the best price possible from both online companies and local agents.
Consumers need to do rate comparisons as often as possible because insurance rates go up and down regularly. Just because you found the best deal on Integra coverage a few years ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the right way to find better rates and still maintain coverage.
This information will tell you how to get online quotes and some tips to save money. If you are paying for car insurance now, you will be able to save some money using these methods. Vehicle owners just need to know the tricks to get comparison quotes online.
There are multiple methods to compare insurance prices but one way is less time-consuming than others. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting to maximize your effort.
Most car insurance companies enroll in a system where prospective buyers submit their information once, and every company then returns a price quote based on the submitted data. This eliminates the need for quote requests to each individual insurance company.
To participate in this free quote system, click here (opens in new window).
The one downside to doing it this way is you are unable to specify the companies to get pricing from. So if you want to choose specific insurance companies for rate comparison, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.
Whichever way you choose to compare rates, make sure you compare the same quote information for each comparison quote. If you are comparing different deductibles it will be very difficult to decipher which rate is best.
Some companies do not list the complete list of policy discounts in a way that’s easy to find, so the below list has a few of the more well known and also the more inconspicuous discounts you could be receiving when you buy car insurance online.
Policy discounts save money, but many deductions do not apply the the whole policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.
The best car insurance companies and some of the premium reductions they offer are shown below.
Double check with every prospective company which discounts you may be entitled to. Some credits may not be offered in every state.
When it comes to buying coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.
Understanding the coverages of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like X-ray expenses, hospital visits and chiropractic care. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage
Collision insurance
This coverage pays for damage to your Integra caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like scraping a guard rail, hitting a mailbox, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.
Uninsured and underinsured coverage
This gives you protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Acura Integra.
Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Comprehensive coverages
Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims such as falling objects, hitting a deer, fire damage and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Auto liability insurance
This provides protection from damage that occurs to other people or property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit without having the split limit caps.
Liability coverage protects against claims such as loss of income, repair bills for other people’s vehicles, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.