1993 Acura Integra Car Insurance Quotes – 9 Tips for Cheaper Rates

Searching for lower auto insurance rates for your Acura Integra? Feeling guilty for buying overpriced auto insurance? Trust us, there are lots of people in the same boat. Many car insurance companies vie for your business, so it’s not easy to compare every insurer to discover the definitive lowest rate

Consumers need to do rate comparisons yearly because insurance prices are variable and change quite frequently. Even if you think you had the lowest price on Integra coverage at your last renewal you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance on the internet, but you can learn some great ideas on how to buy auto insurance cheaper.

The quickest method we recommend to compare car insurance company rates is to realize car insurance companies have advanced systems to give free rates quotes. The only thing you need to do is provide a small amount of information like how much education you have, your general credit rating, if the vehicle is leased, and the ages of drivers. The rating information is then submitted to many different companies and they respond with quotes very quickly.

Lower rate quotes by receiving these nine discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that could help you make your next renewal payment. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be asked about before you get the savings.

  • Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control have fewer accidents and therefore earn up to a 10% discount.
  • Memberships – Joining a qualifying organization could qualify you for a break on your next renewal.
  • Payment Discounts – By paying your entire bill at once instead of paying each month you can avoid monthly service charges.
  • Safety Course Discount – Taking time to complete a class that teaches driver safety techniques could earn you a small percentage discount and make you a better driver.
  • Seat Belt Usage – Requiring all passengers to buckle up could save 15% on the premium charged for medical payments and/or PIP.
  • Anti-theft System – Cars with anti-theft systems are less likely to be stolen and earn discounts up to 10% off your insurance quote.
  • Savings for New Vehicles – Putting insurance on a new car may earn a small discount due to better safety requirements for new vehicles.
  • Telematics Data – Policyholders that allow driving data submission to analyze their driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks as long as the data is positive.
  • Accident Forgiveness – This isn’t a discount exactly, but a few companies such as State Farm, Progressive and GEICO allow you one accident before they charge you more for coverage so long as you haven’t had any claims before the accident.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as comp or med pay. Just because you may think adding up those discounts means a free policy, that’s just not realistic.

Popular car insurance companies and some of the discounts are shown below.

  • Progressive may include discounts for online signing, continuous coverage, homeowner, good student, multi-vehicle, online quote discount, and multi-policy.
  • AAA has savings for multi-car, pay-in-full, AAA membership discount, anti-theft, education and occupation, and good student.
  • Farmers Insurance includes discounts for electronic funds transfer, business and professional, alternative fuel, mature driver, and bundle discounts.
  • GEICO offers discounts including good student, anti-lock brakes, daytime running lights, emergency military deployment, seat belt use, and five-year accident-free.
  • Esurance discounts include homeowner, renters, anti-theft, Switch & Save, safety device, and paid-in-full.
  • SAFECO may offer discounts for safe driver, bundle discounts, homeowner, accident prevention training, and teen safety rewards.
  • State Farm may have discounts that include anti-theft, multiple policy, student away at school, multiple autos, defensive driving training, accident-free, and safe vehicle.

Check with each company or agent which discounts can lower your rates. Some discounts might not apply in your state. To choose companies who offer discounts, click here to view.

Your car insurance coverage should be tailored to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.

  • What is PIP insurance?
  • Is extra glass coverage worth it?
  • Which is better, split liability limits or combined limits?
  • When should I drop full coverage on my 1993 Acura Integra?
  • Does my insurance cover a custom paint job?
  • Are rock chip repairs covered?
  • What are the best liability limits?
  • Does medical payments coverage apply to all occupants?
  • What exactly is covered by my policy?
  • Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Are auto insurance companies telling the truth?

Drivers get pounded daily by advertisements for cheaper auto insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all have a common claim that drivers will save a bundle if you get a free insurance quote and switch your coverage.

How does every company charge lower premium rates? Here is the trick they use.

Many companies give the cheapest rates for the right customer that is profitable for them. One example of a desirable risk may be a married female, insures multiple vehicles, and drives a vehicle with a low ISO rating. A customer who fits those characteristics may get the lowest rates and will also save quite a bit of money when switching.

People who do not fit these criteria may be forced to pay more expensive rates with the end result being the customer buying from a different company. The ads say “customers who switch” but not “everyone who gets a quote” save money. That is how insurance companies can advertise the savings. Because each company has a different risk profile, drivers must compare many company’s rates. Because without a comparison, you cannot know which auto insurance company will have the best prices at this point in time.

Insurance coverages and their meanings

Understanding the coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types available from insurance companies.

Liability

This coverage will cover damage that occurs to other’s property or people that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of 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 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as bail bonds, medical expenses, medical services and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Acura Integra.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as hitting a mailbox, hitting a parking meter, driving through your garage door, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, falling objects, theft and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as chiropractic care, X-ray expenses and surgery. The coverages can be utilized in addition to 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 in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

A tidy conclusion

In this article, we covered many tips how you can reduce 1993 Acura Integra insurance rates online. The key thing to remember is the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest rates are with some of the lesser-known companies. Smaller companies often have lower car insurance rates on specific markets compared to the large companies like State Farm and Allstate.

Budget-conscious 1993 Acura Integra insurance can be bought online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some auto insurance companies may not have online price quotes and many times these small, regional companies sell through independent agents.

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