Looking for the cheapest car insurance rates for your Acura Integra? Have you had enough of paying out the nose to insure your Acura every month? Your situation is no different than the majority of other consumers. Insurance companies such as State Farm, Progressive and GEICO all claim big savings, bombarding you with TV and radio ads and it can be hard to separate fact from fiction and find the best price available.
You need to get comparison quotes yearly because rates are usually higher with each renewal. If you had the lowest premium rates for Integra insurance a few years ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re about to learn the tricks you need to know to save money, get proper coverage and the best rates.
If you have insurance now or are just looking to switch companies, you can use this information to cut your premiums and still get good coverage. Buying car insurance is not that difficult. Consumers only need an understanding of the best way to compare prices online.
Properly insuring your vehicles can get expensive, but there may be some discounts that you may not even know about. Most are applied when you purchase, but once in a while a discount must be asked about before you will receive the discount.
You should keep in mind that most credits do not apply the the whole policy. A few only apply to individual premiums such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.
Large car insurance companies and the discounts they provide can be found below.
Check with all the companies which discounts you may be entitled to. Some discounts might not be offered everywhere. For a list of insurance companies that provide some of the discounts listed above, click here to view.
Drivers can’t escape the ads that claim the best car insurance rates from companies such as Allstate and Progressive. All the ads say the same thing about savings after switching to them.
How can each company have lower policy pricing? It’s all in the words they use.
Insurance companies give the cheapest rates for the type of customer that makes them money. One example of a desirable risk could possibly be between 25 and 40, has no prior claims, and does not commute to work. Anyone who matches that profile will get low prices and will also save money with a new company.
People who fall outside this stringent profile must pay higher prices and ends up with business going elsewhere. If you pay close attention to the ads, they say “people who switch” not “everybody who quotes” save that much money. That is how insurance companies can state the savings. This really drives home the point why you need to get auto insurance quotes from several different companies. It’s just not possible to know which auto insurance company will provide you with the cheapest prices.
When choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions could help you determine if your insurance needs may require specific advice.
If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.
Understanding the coverages of auto insurance helps when choosing appropriate coverage for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring. These are the usual coverages offered by auto insurance companies.
Uninsured/Underinsured Motorist coverage
This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your 1998 Acura Integra.
Due to the fact that 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 is a good idea.
Comprehensive coverage
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like damage from getting keyed, hitting a bird, falling objects, damage from a tornado or hurricane and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like EMT expenses, funeral costs and hospital visits. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
Coverage for liability
This will cover damages or injuries you inflict on other people or property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.
Liability coverage pays for things like structural damage, loss of income and bail bonds. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.
Collision insurance
Collision coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as crashing into a ditch, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.
When getting auto insurance quotes online, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where consumers will sacrifice physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible at a price you can afford while not skimping on critical coverages.
Lower-priced auto insurance is possible both online as well as from insurance agents, so get free auto insurance quotes from both of them to get a complete price analysis. Some insurance companies may not provide rate quotes online and these small insurance companies sell through local independent agents.