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Acura Integra Insurance Rates

You have many choices when shopping for insurance coverage for your Acura vehicle. You can either buy through an agent or go online to compare rates from a lot of car insurance companies. Buying car insurance through online companies can be fast and easy, in addition you can save money.

If you're new to shopping for car insurance online, you may be confused by the hoards of car insurance companies offering insurance. There are several ways to compare rate quotes from car insurance companies in your area. The best method to compare Integra insurance cost is to get quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine Integra insurance quotes

Car insurance premiums for a Acura Integra will vary greatly depending on several factors. A few of these criteria are:

  • Higher performance Integra vehicles cost more
  • Your accident history
  • Multiple policies can save money
  • Use of your vehicle
  • Mature drivers pay less
  • Whether you are married
  • Optional coverages like vehicle replacement
  • Your occupation
  • The amount of protection requested
  • Owning a home can lower rates

An additional factor that helps determine Integra insurance rates is the year of the vehicle. Older models have a much lower replacement value than newer models so repair costs tend to be lower which may result in lower rates. But new Acura models may have safety features including tire pressure monitors, traction control, and adaptive cruise control so those may lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Integra from the following list.

Coverage for liability - This coverage provides protection from injuries or damage you cause to other people or property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision coverage - Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. Integra collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance pay for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.

How Much are Acura Integra Insurance Rates?