Save on 1996 Acura Integra Insurance Quotes

Are you regretting the purchase of an expensive insurance coverage policy? You’re in good company because there are many people just like you.

Due to the large number of choices of insurance companies, it can be hard to find the best insurer.

Buying more affordable coverage is quite easy. In a nutshell, anyone who is required by state law to have car insurance most likely will be able to cut their insurance bill. Although consumers must understand how companies sell insurance online and take advantage of how the system works.

Good decisions result in lower insurance prices

Many factors are part of the equation when you get a price on insurance. Some are obvious like an MVR report, although some other factors are more obscure like where you live or how financially stable you are.One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that play a part in calculating your insurance rates. If you have a feel for what influences your rates, this helps enable you to make changes that may reward you with big savings.

  • Your gender affects rates – Over the last 30 years, statistics show females are less aggressive when driving. It does not mean men are WORSE drivers than women. Both sexes tend to get into accidents in similar numbers, but men cause more damage. They also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 cause the most accidents so it costs more to insure them.
  • Don’t abuse policy claims – Car insurance companies give the best rates to people who only file infrequent claims. If you are the type of insured that files lots of claims you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
  • Drive less and save – The more miles you rack up on your Acura in a year the higher your rates will be. Almost all companies apply a rate partially by how you use the vehicle. Cars and trucks that do not get driven very much qualify for better rates than vehicles that are driven to work every day. Ask your agent if your insurance declarations sheet states the right rating data. Incorrect rating for your Integra can cost quite a bit.
  • Deter theft and save – Selecting a car model that has a built-in theft deterrent system can help lower your rates. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft and help bring rates down.
  • Urban residents pay more – Residing in areas with lower population has definite advantages when talking about insurance. Fewer drivers on the road translates into fewer accidents in addition to lower liability claims People who live in big cities have to deal with more road rage incidents and longer commutes to work. More time on the road can result in more accidents.
  • Tickets and citations cost more than a fine – Drivers with clean records pay less for auto insurance than people who have multiple driving citations. Getting just one speeding ticket can increase rates forty percent or more. Drivers who have gotten careless violations like hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with their state in order to legally drive a vehicle.
  • Your employer is a factor – Occupations such as military personnelairline pilots and miners tend to have the highest average rates due to high stress levels and lots of time spent at work. Conversely, jobs like actors, historians and the unemployed pay the least on Integra insurance.

Get affordable rates with these insurance discounts

The price of auto insurance can be rather high, but there could be available discounts to help offset the cost. Certain discounts will be triggered automatically when you purchase, but a few must be requested specifically before being credited.

  • Discount for Good Grades – Excelling in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Service Members Pay Less – Having a deployed family member may lower your prices slightly.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle their seat belts could save 15% off the medical payments premium.
  • More Vehicles More Savings – Purchasing coverage when you have primary and secondary vehicles on a single policy can reduce the rates for all insured vehicles.
  • Pay Early and Save – By making one initial payment instead of paying each month you may have a lower total premium amount.
  • Accident-Free Discounts – Claim-free drivers are rewarded with significantly better rates on auto insurance quote as compared to drivers with a long claim history.
  • Discount for New Cars – Buying a new car instead of a used car can save up to 30% due to better safety requirements for newer models.
  • Distant College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and leave their car at home can be insured at a reduced rate.
  • Own a Home – Just being a homeowner can save a few bucks because of the fact that having a home means you have a higher level of financial diligence.
  • Auto/Life Discount – Not all companies offer life insurance, but some may give you a lower rate if you buy auto and life insurance together.

As a footnote on discounts, many deductions do not apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, it’s just not the way it works.

Some companies that possibly offer most of these discounts may include but are not limited to:

Before you buy a policy, ask each company or agent how you can save money. Some credits may not apply in your area.

Is there deception in advertising?

Popular insurance providers such as State Farm and Allstate consistently run television and radio advertisements. All the ads advertise the message that drivers can save some big amount if you move your insurance policy to them. It sounds good, but how can they all charge you less for car insurance? You have to listen carefully.

All the different companies have specific characteristics for the type of insured that will generate a profit. A good example of a profitable risk profile might have to be married and over the age of 30, has never had a claim, and drives newer vehicles. Any driver that hits that “sweet spot” will get low prices and will cut their rates substantially.

Potential customers who do not fit the requirements will probably be forced to pay higher premiums with the end result being business going elsewhere. If you listen to the ad wording, they say “drivers who switch” not “everybody who quotes” save that much money. That is how insurance companies can make claims like that.

This really drives home the point why drivers should compare rate quotes every year. It’s just too difficult to predict with any certainty which company will have the best car insurance rates at this point in time.

Car insurance can get complicated

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. For example, these questions may help you determine whether or not you would benefit from professional advice.

  • Is my state a no-fault state?
  • Is motorclub coverage worth it?
  • Do I need special endorsements for business use of my vehicle?
  • Should I sign the liability waiver when renting a car?
  • Is my camper covered by my car insurance policy?
  • Am I covered if I crash into my own garage door?
  • How much liability insurance is required?
  • Is rental equipment covered for theft or damage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

What insurance coverages do you need?

Knowing the specifics of your policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, hitting a deer, damage from flooding, hitting a bird and falling objects. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability

Liability insurance can cover damage that occurs to other people or property that is your fault. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as legal defense fees, attorney fees, loss of income, pain and suffering and structural damage. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses like surgery, funeral costs, nursing services, prosthetic devices and dental work. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Acura Integra.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Have the Midas touch

Some insurance companies may not provide online rate quotes and these small insurance companies only sell through independent insurance agencies. Affordable 1996 Acura Integra insurance can be found online as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture.

As you quote auto insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, someone dropped comprehensive coverage or liability limits only to regret that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage for the lowest cost, not the least amount of coverage.

Additional insurance coverage information can be read at the links below