View 1995 Acura Integra Car Insurance Quotes

Trying to find lower auto insurance rates for your Acura Integra? Did a good deal turn into an underperforming, overpriced auto insurance policy? Believe me, you are not the only one feeling buyer’s remorse.

You have multiple car insurance companies to pick from, and even though it’s nice to have a selection, having more car insurance companies makes it harder to compare company pricing.

Finding affordable coverage is not that difficult. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these tips. Nevertheless, drivers must learn the way companies market on the web and apply this information to your search.

Get more affordable insurance costs by understanding these factors

Many factors are part of the equation when quoting car insurance. Some are obvious like a motor vehicle report, although some other factors are not quite as obvious like where you live or your financial responsibility.Smart consumers have a good feel for a few of the rating criteria that come into play when calculating your premiums. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you lower premium levels.

The list below includes some of the most common factors auto insurance companies consider when setting your premiums.

  • Your location is a factor – Choosing to live in less populated areas can save you money when shopping for auto insurance. City drivers have traffic congestion and more time behind the wheel. Fewer drivers and short commutes translates into fewer accidents and lower theft and vandalism rates.
  • Additional coverages that may be costing you – There are a ton of extra coverages that you can get tricked into buying if you aren’t careful. Things like personal injury protection, towing coverage, and term life insurance may not be needed and are just wasting money. These may sound like a good investment at first, but if you don’t need them eliminate the coverages to reduce your premium.
  • Don’t cancel your coverage without a new one in place – Not maintaining insurance can get you a ticket and you may have a hard time finding new coverage because you let your coverage lapse. In addition to paying higher rates, getting caught without coverage will get you fines and jail time. You could then be forced to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • How much liability insurance do you need? – The liability section of your policy will afford coverage when you are determined to be liable for damages caused by your negligence. Your liability coverage provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Driving citations mean higher costs – How you drive has a big impact on rates. Even a single ticket can increase rates forty percent or more. Drivers who don’t get tickets get better rates than bad drivers. Drivers who get flagrant violations such as DUI or reckless driving may find they need to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.

Don’t miss with these discounts

Buying auto insurance is not cheap, but there are discounts available that could help you make your next renewal payment. Many discounts should be triggered when you purchase, but some must be requested specifically before they will apply. If you’re not getting every credit you qualify for, you are not getting the best rate possible.

  • Homeowners Savings – Just being a homeowner can help you save on auto insurance because owning a home is proof that your finances are in order.
  • Discounts for Federal Employees – Active or former government employment could provide a small rate reduction for Integra insurance with certain companies.
  • Include Life Insurance and Save – Not all companies offer life insurance, but some may give you better prices if you take out life insurance from them.
  • Good Students Pay Less – Being a good student may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Paperwork-free – Many companies will give a small break for buying your policy online.
  • First Accident Forgiveness – Not a discount per se, but companies like Allstate and GEICO will allow you to have one accident without the usual rate increase so long as you are claim-free for a certain period of time.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.

It’s important to note that most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears it’s possible to get free car insurance, it just doesn’t work that way.

A list of companies and some of the premium reductions they offer are:

  • GEICO has savings for multi-policy, daytime running lights, membership and employees, military active duty, and defensive driver.
  • Travelers has discounts for good student, save driver, multi-policy, driver training, IntelliDrive, and payment discounts.
  • Nationwide may include discounts for Farm Bureau membership, multi-policy, family plan, accident-free, and defensive driving.
  • Farmers Insurance may offer discounts for electronic funds transfer, switch companies, bundle discounts, youthful driver, alternative fuel, and pay in full.
  • Esurance includes discounts for safety device, emergency road assistance, multi-policy, paid-in-full, DriveSense, and anti-lock brakes.
  • State Farm discounts include driver’s education, student away at school, good driver, multiple autos, safe vehicle, defensive driving training, and multiple policy.
  • Progressive offers premium reductions for online signing, multi-policy, good student, multi-vehicle, and homeowner.
  • Mercury Insurance may have discounts that include age of vehicle, annual mileage, multi-car, multi-policy, anti-theft, and good driver.

When comparing rates, check with each company to apply every possible discount. Some discounts might not be offered in your state. If you would like to view auto insurance companies with discount rates, click this link.

Your situation helps dictate your coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique and your policy should reflect that. For example, these questions could help you determine whether you would benefit from professional advice.

  • What if I total my 1995 Acura Integra and owe more than it’s worth?
  • Is pleasure use cheaper than using my 1995 Acura Integra to commute?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my 1995 Acura Integra qualify for pleasure use?
  • Does insurance cover tools stolen from my truck?
  • Why do I need rental car insurance?
  • How much liability do I need to cover my assets?
  • Am I covered if I break a side mirror?
  • Is motorclub coverage worth it?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

The coverage is in the details

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from car insurance companies.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Acura Integra.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision protection

Collision insurance will pay to fix damage to your Integra resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, rolling your car, hitting a mailbox and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

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

Comprehensive insurance covers claims like hitting a bird, falling objects, a broken windshield, vandalism and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills like doctor visits, nursing services, chiropractic care, pain medications and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability

Liability insurance will cover damages or injuries you inflict on people or other property. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims such as attorney fees, emergency aid, loss of income, medical services and medical expenses. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Don’t be a big spender

We just covered a lot of tips how to lower your 1995 Acura Integra insurance premium rates. It’s most important to understand that the more companies you get prices for, the better chance you’ll have of finding cheap auto insurance. Consumers could even find that the best price on auto insurance is with a small mutual company. They may have significantly lower prices on certain market segments compared to the large companies like Progressive or GEICO.

When searching for inexpensive auto insurance quotes, never buy less coverage just to save a little money. There have been many situations where an insured cut full coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy the best coverage you can find at the best cost while still protecting your assets.

For more information, feel free to visit the articles below: