Compare 1997 Acura Integra Insurance Rates

Looking for better insurance rates? Shoppers have many options when shopping for the lowest priced Acura Integra insurance. They can either waste time struggling with agents to compare prices or utilize the internet to compare rates. There is a right way and a wrong way to compare insurance rates and we’ll show you the best way to get price quotes on a Acura and obtain the best price possible.

If you have insurance now or need a new policy, you will benefit by learning to get lower rates and possibly find even better coverage. The purpose of this article is to help educate you on the most effective way to quote insurance. Consumers just need to learn the proper way to shop over the internet.

Ways to get auto insurance quotes

There are a lot of ways to compare auto insurance prices but some are less time-consuming than others. You can waste hours talking about coverages with local insurance agents in your area, or you can stay home and use the internet to get the quickest rates.

Most of the best insurance companies belong to an insurance system where prospective buyers submit their information once, and at least one company then gives them pricing determined by their information. This prevents consumers from doing quote requests for each company you want a rate for.

To compare rates now click here (opens in new window).

One minor caviat to using this type of system is that consumers can’t choose the providers you will receive quotes from. So if you prefer to pick specific providers to request quotes from, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but make sure you compare apples-to-apples coverage data for every company. If your comparisons have higher or lower deductibles you will not be able to make a fair rate comparison.

Use discounts to get cheaper insurance coverage rates

Insurance coverage can be pricey, but discounts can save money and there are some available that could drop your premiums quite a bit. A few discounts will automatically apply when you quote, but occassionally some discounts must be asked about before being credited. If they aren’t giving you every credit possible, you could be paying more than you need to.

  • Driver Safety – Passing a safe driver course is a good idea and can lower rates if you qualify.
  • Paperwork-free – A handful of companies will give a small break for buying your policy on their website.
  • Responsible Driver Discount – Drivers without accidents can get discounts for up to 45% lower rates on Integra insurance than their less cautious counterparts.
  • Drivers Ed for Students – It’s a good idea to have your young drivers take driver’s ed class if offered at their school.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and therefore earn up to a 10% discount.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. Just because it seems like you could get a free insurance coverage policy, it just doesn’t work that way.

Some of the larger companies that may offer quotes with these money-saving discounts include:

Before you buy a policy, ask every prospective company how many discounts you can get. Depending on the company, some discounts may not apply to policies in your area. If you would like to view providers that offer some of these discounts, click here to view.

How insurers determine Acura Integra insurance premiums

When buying auto insurance it’s important to understand the factors that are used to determine your policy premiums. If you understand what controls the rates you pay, this allows you to make good choices that can help you get lower auto insurance prices.

The itemized list below are most of the major factors auto insurance companies consider when setting premiums.

  • Decrease premiums by maintaining coverage – Not having insurance is a big no-no and as a result your rates will increase for letting your coverage have a gap. And not only will insurance be more expensive, getting caught without coverage can result in a hefty fine and possibly a revoked license. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Occupation impacts prices – Occupations such as doctors, social workers and financial analysts usually pay the highest rates in part from intense work requirements and long work days. Other careers such as actors, engineers and retirees have lower than average premiums on Integra insurance.
  • Driving citations mean higher rates – Only having one citation can increase rates by as much as thirty percent. Careful drivers receive lower rates compared to bad drivers. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with their state in order to drive a vehicle legally.
  • Extra policy coverages that may not be needed – There are a lot of additional extra coverages that you can buy if you aren’t careful. Things like coverage for rental cars, accidental death, and additional equipment coverage may not be needed and are just wasting money. They may sound like good ideas when buying your policy, but your money might be better spent on other coverage so remove them from your policy.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

These are some specific questions may help highlight if your situation would benefit from professional advice.

  • Where can I find DUI or SR-22 insurance?
  • When do I need to add a new car to my policy?
  • Is upholstery damage covered by car insurance?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my Acura Integra covered if I use it for business?
  • Is business property covered if stolen from my car?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It is quick, free and can provide invaluable advice.

Do drivers who switch really save?

Drivers can’t escape the ads for cheaper insurance by companies like State Farm, Allstate and GEICO. They all seem to make the point that you can save if you change your coverage to them.

How can each company offer you a better deal? Just pay attention to how they say it.

Different companies give the cheapest rates for a prospective insured that will most likely be profitable. For example, a desirable insured could possibly be over the age of 40, owns a home, and chooses high deductibles. Anybody who meets those qualifications will qualify for the lowest rates and will most likely save if they switch.

Drivers who fall short of these standards may be forced to pay a higher rate with the end result being business not being written. The wording the ads use say “customers that switch” not “everybody who quotes” save that much when switching. This is how companies can truthfully advertise the way they do. That is why you really need to get as many free car insurance quotes as possible. It’s just too difficult to predict which company will be your best fit.

Car insurance coverage information

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Liability car insurance – This protects you from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability 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 limit of $50,000 paid for damaged property.

Liability can pay for claims like court costs, medical expenses, repair costs for stationary objects and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverages – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, rock chips in glass and hail damage. The maximum amount a car insurance company will pay at claim time 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.

Uninsured and underinsured coverage – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers 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.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like hospital visits, rehabilitation expenses and pain medications. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, sideswiping another vehicle, scraping a guard rail, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

A penny saved is a penny earned

People leave their current company for many reasons like extreme rates for teen drivers, poor customer service, policy cancellation and even not issuing a premium refund. No matter why you want to switch, choosing a new company is not as hard as you think.

Budget-friendly insurance is available both online in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not provide price quotes online and most of the time these small, regional companies prefer to sell through independent agencies.

In this article, we covered a lot of techniques to lower your 1997 Acura Integra insurance car insurance rates. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even find the lowest priced insurance comes from an unexpected company.

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