1994 Acura Integra Insurance Cost – 9 Savings Tips

Nobody that owns a car anticipates paying for insurance, especially knowing they could lower their rates if they shopped around. Since you have so many insurance companies to choose from, it can be hard to locate the cheapest insurance company.

The best way to compare rates is to know all the major auto insurance companies participate in online systems to give rate comparisons. The one thing you need to do is give them rating details such as if it has an anti-theft system, how much coverage you want, whether you have decent credit, and how you use your vehicles. That rating data gets sent immediately to insurance companies and you should receive rate quotes almost instantly.

To check rates for your 1994 Acura Integra now, click here and enter your coverage details.

Car insurance discounts are available to reduce your rates

Some insurers don’t always publicize every discount very well, so the list below gives a summary of some of the best known and also the lesser-known discounts that may be available. If you are not receiving all the discounts you qualify for, you are throwing money away.

  • ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
  • Good Driver Discount – Insureds who avoid accidents could pay up to 40% less for Integra coverage compared to accident prone drivers.
  • Good Grades Discount – A discount for being a good student could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Early Signing – A few car insurance companies offer discounts for signing up before your current policy expires. This discount can save up to 10%.
  • Military Discounts – Having a deployed family member can result in better prices.
  • Distant Student Discount – Older children living away from home attending college and do not take a car to college could qualify for this discount.
  • Driving Data Discount – Insureds who allow driving data collection to study driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they show good driving skills.
  • Bundled Policy Discount – When you combine your auto and homeowners insurance with one company they may give you a discount of nearly 15% which can help you find the cheapest insurance coverage.
  • Payment Method – If you pay your bill all at once rather than paying monthly you may reduce your total bill.

Please keep in mind that some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears you could get a free car insurance policy, that’s just not realistic.

A few popular companies and some of the premium reductions they offer can be found below.

  • 21st Century discounts include early bird, anti-lock brakes, automatic seat belts, 55 and older, teen driver, air bags, and theft prevention.
  • State Farm has savings for anti-theft, good driver, accident-free, Drive Safe & Save, and good student.
  • AAA offers discounts for multi-policy, good driver, pay-in-full, education and occupation, multi-car, and AAA membership discount.
  • Liberty Mutual may include discounts for newly retired, multi-policy, hybrid vehicle, teen driver discount, exclusive group savings, and new graduate.
  • Progressive may have discounts that include good student, online quote discount, continuous coverage, multi-vehicle, multi-policy, online signing, and homeowner.

When getting a coverage quote, ask all the companies which discounts can lower your rates. Some discounts listed above might not be available to policyholders in your area. To see providers who offer car insurance discounts, click here to view.

Everyone needs different insurance coverage coverages

When choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different so your insurance should reflect that For example, these questions can aid in determining if you would benefit from professional advice.

  • Can I rent a car in Mexico?
  • Do I have coverage when making deliveries for my home business?
  • When does my teenage driver need to be added to my policy?
  • Is my dog or cat covered if injured in an accident?
  • What happens if I owe more than my 1994 Acura Integra is worth?
  • Who is covered by my policy?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Detailed coverages of your insurance policy

Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Collision protection

This pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, backing into a parked car, sustaining damage from a pot hole, driving through your garage door and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Auto liability insurance

Liability coverage can cover damage or injury you incur to other people or property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as repair costs for stationary objects, repair bills for other people’s vehicles, emergency aid and loss of income. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Comprehensive insurance

This will pay to fix 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 vandalism, theft, damage from flooding, a broken windshield and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses like chiropractic care, funeral costs and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Final thoughts

We’ve covered many ways to reduce 1994 Acura Integra insurance prices online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding the cheapest insurance coverage. You may be surprised to find that the best prices are with some of the lesser-known companies. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

As you quote insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where an insured cut comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. The proper strategy is to buy enough coverage at the best cost, but do not skimp to save money.

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