Compare 1999 Acura Integra Car Insurance Rates

Are you a victim of high-priced insurance? You’re preaching to the choir because many consumers feel financially strained by their insurance policy.

Due to the increasing number of companies and agents to choose from, it can be diffult for drivers to choose the most cost effective insurer.

Which insurance coverage is cheapest?

There are multiple methods you can shop for insurance coverage and some are easier and takes less work. You could waste a few hours discussing policy coverages with insurance companies in your area, or you can stay home and use the web for quick rates.

Most of the best insurance companies enroll in a system where insurance shoppers submit their information once, and every company returns a competitive quote. This system prevents you from having to do repetitive form submissions for every insurance coverage company.

To find out how much you can save on insurance coverage click here to start a free quote.

The only downside to using this type of form is you can’t choose which insurance companies to get pricing from. If you prefer to choose individual companies to compare, we put together a list of low cost insurance coverage companies in your area. View list of insurance companies.

How you compare quotes is your choice, just make absolute certain that you use identical coverage limits and deductibles on every quote. If you compare different coverage information it’s impossible to determine which rate is truly the best. Quoting even small variations in insurance coverages may result in large price differences. Keep in mind that comparing more company’s prices will enable you to find a better price.

Cheaper car insurance rates with discounts

Car insurance is easily one of your largest bills, but there could be available discounts that could drop your premiums quite a bit. Certain reductions will be credited when you purchase, but some discounts are required to be specifically requested before they will apply.

  • Claim-Free Discount – Drivers who don’t have accidents get the best car insurance rates compared to policyholders that have many claims.
  • Multi-Vehicle Discounts – Buying insurance for multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
  • Federal Government Employee – Federal government employees may qualify for a discount when you quote car insurance on Integra insurance with some car insurance companies.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
  • Include Life Insurance and Save – Insurance carriers who offer life insurance give a discounted rate on car insurance if you buy life insurance from them.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.

We need to note that most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, you won’t be that lucky.

If you would like to choose from a list of insurance companies who offer discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there isn’t really a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your insurance needs might need an agent’s assistance.

  • When do I need to add a new car to my policy?
  • How much liability insurance is required?
  • Is business property covered if stolen from my car?
  • Will my insurance pay for OEM parts?
  • Do I need rental car coverage?
  • Do all my vehicles need collision coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need roadside assistance coverage?
  • Is a blown tire covered by insurance?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

What determines Acura Integra insurance prices?

Lots of factors are considered when you quote your car insurance policy. Some are obvious such as traffic violations, although others are less apparent like your vehicle usage or your vehicle rating.

  • Lower stress equals lower rates – Occupations such as fire fighters, architects and financial analysts tend to pay higher rates than the rest of us attributed to intense work situations and long work hours. On the flip side, occupations like actors, engineers and performers have the lowest average rates on Integra insurance.
  • Premiums increase with driving tickets – How you drive has a big impact on rates. Even one speeding ticket can increase rates forty percent or more. Drivers with clean records get better prices than bad drivers. Drivers who get severe tickets such as reckless driving or DUI may find that they have to to prove financial responsibility with their state in order to legally drive.
  • Your address can modify price – Residing in small towns and rural areas can be a good thing when it comes to insurance. Fewer drivers and short commutes corresponds to lower accident rates. Residents of big cities tend to have more aggressive driving styles and longer commute times. More time commuting can result in more accidents.
  • Gender impacts premiums – The statistics show that men are more aggressive behind the wheel. However, don’t assume that women are BETTER drivers than men. They both cause fender benders at a similar rate, but males cause more damage and cost insurance companies more money. They also get cited for more serious violations like DWI (DUI) or reckless driving. Young males tend to get in the most accidents and therefore pay the highest rates.
  • Safeguard your assets with liability insurance – The liability section of your policy will afford coverage when a jury decides you are liable for physical damage or personal injury to other. Liability insurance provides for a legal defense up to the limits shown on your policy. It is affordable coverage compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Better premiums for continuous insurance coverage – Driving any period of time without insurance is illegal and your next policy will cost more because you let your coverage cancel without a new policy in place. Not only will you pay more, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Premiums are lower the older you get – Older people tend to be more responsible, statistically cause fewer accidents and get fewer tickets.Drivers with little experience tend to be more careless when driving so they pay higher insurance rates.

Detailed coverages of your insurance policy

Having a good grasp of a insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like hospital visits, ambulance fees, surgery and dental work. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Liability coverages – This coverage provides protection from damage that occurs to other’s property or people that is your fault. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like legal defense fees, repair costs for stationary objects, structural damage and medical expenses. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Uninsured and underinsured coverage – This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Acura Integra.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, damage from a tornado or hurricane, hail damage and vandalism. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

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

Collision can pay for claims like sideswiping another vehicle, crashing into a ditch, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

At the end of the day…

When getting car insurance quotes online, it’s a bad idea to reduce needed coverages to save money. There have been many cases where someone sacrificed collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal is to find the BEST coverage at the best price while still protecting your assets.

There are still a few companies who don’t offer rates over the internet and many times these regional insurance providers only sell through independent insurance agents. Cheap 1999 Acura Integra insurance is definitely available on the web as well as from independent agents, and you need to price shop both so you have a total pricing picture.

More information is located at the links below