Lower Your 1994 Acura Integra Insurance Cost

No sane person fancies paying their premiums for insurance, especially knowing their premiums are too high. You have multiple auto insurance companies to choose from, and though it is a good thing to be able to choose, more options can take longer to adequately compare rates.

Smart consumers take time to shop coverage around before your policy renews because prices change regularly. Just because you found the lowest quotes for Integra insurance a year ago a different company probably has better rates today. Forget anything you know (or think you know) about insurance because I’m going to teach you the fastest and easiest way to save money, get proper coverage and the best rates.

How much does car insurance cost?

There are a lot of ways to compare car insurance prices but some are easier and takes less work. You could waste time talking about coverages with local insurance agents in your area, or you can stay home and use the internet for quick rates.

Most car insurance companies belong to an insurance system where prospective buyers submit their information once, and every company can provide price quotes. This saves time by eliminating quote forms for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of form is that consumers can’t choose the insurers you want to price. If you prefer to choose individual companies to receive pricing from, we put together a list of low cost car insurance companies in your area. Click to view list.

The approach you take is up to you, just be sure you’re using the same coverage limits on every quote. If you have different deductibles you can’t possibly truly determine the lowest rate.

You may qualify for discounts

Some insurers do not list every disount available very clearly, so the next list breaks down a few of the more well known in addition to some of the lesser obvious credits that may apply to you.

• Paperwork-free – Some of the larger companies give back up to $50 for signing up online.
• Government Employees – Being employed by or retired from a federal job could provide a small rate reduction for Integra insurance with some auto insurance companies.
• Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control are much safer to drive and will save you 10% or more.
• Low Mileage Discounts – Low mileage vehicles may allow you to get discounted prices on garaged vehicles.
• Discount for Life Insurance – Insurance carriers who offer life insurance give better premium rates if you take out some life insurance in addition to your auto policy.
• Theft Deterent System – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more.

Just know that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. Just because it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

For a list of auto insurance companies who offer free auto insurance quotes, follow this link.

Why your insurance prices might be higher

Many factors are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, although others are more obscure like your vehicle usage or how financially stable you are.

The list below includes a partial list of the pieces utilized by car insurance companies to help set rates.

• Maintain car insurance coverage – Having a lapse in insurance coverage can be a fast way to increase your renewal premiums. Not only will you pay higher rates, the inability to provide proof of insurance could result in fines or a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
• Safety ratings are a factor – Safer cars tend to be cheaper to insure. Safer cars result in less severe injuries and better occupant protection means lower claim amounts which can mean better rates for you. If your Acura is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
• Liability insurance preserves assets – Your car insurance policy’s liability coverage is the protection when you are found liable for damages caused by your negligence. It provides you with a defense in court which can cost thousands of dollars. It is affordable coverage when compared to the cost of physical damage coverage, so do not cut corners here.
• With age comes lower premiums – Older insureds are more responsible, file fewer claims , and usually have better credit.Inexperience drivers tend to be careless and easily distracted when driving so they pay higher car insurance rates.
• Add-on coverages you don’t need – Insurance policies have a lot of optional add-on coverages that can add up if you don’t pay attention. Add-on coverages like replacement cost coverage, better glass coverage, and extra life insurance coverage could be just wasting money. They may seem good at first, but your needs may have changed so consider taking them off your policy.
• Too many car insurance claims and you’ll pay more – Companies generally give most affordable rates to insureds who only file infrequent claims. If you’re an insured who likes to file claims you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is designed for larger claims.
• Cheaper rates with high coverage deductibles – Deductibles for physical damage represent how much money you are willing to pay out-of-pocket before your car insurance pays a claim. Insurance for physical damage, also called ‘full coverage’, insures against damage to your car. Some instances where coverage would apply are rearending another vehicle, animal collisions, and having a roll-over accident. The larger the amount you have to pay, the less your car insurance will be for Integra insurance.
• Save money with theft deterrents – Choosing to buy a car that has an advanced theft prevention system can save you some money. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.

There’s no such thing as the perfect insurance policy

When it comes to choosing the best insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions could help you determine whether you will benefit from professional help.

• Do I have coverage when pulling a U-Haul trailer?
• Am I covered when using my vehicle for business?
• Is my camper covered by my car insurance policy?
• Is motorclub coverage worth it?
• Am I covered if my car is in a flood?
• Am I covered if I drive in a foreign country?
• Am I missing any policy discounts?
• Can I drive in Mexico and have coverage?
• Do I pay less if my vehicle is kept in my garage?
• Why is insurance for a teen driver so high?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Misconceptions in auto insurance advertisements

Consumers can’t escape the ads that promise big savings for switching from the likes of Geico, State Farm and Progressive. They all seem to make an identical promise that people will save just by moving your coverage to them.

It sounds good, but how can they all say the same thing? This is the trick they use.

Auto insurance companies require specific criteria for the type of driver that earns them a profit. One example of a desirable risk might have to be over the age of 45, has no claims, and drives newer vehicles. A driver who fits those characteristics will most likely get cheap premium rates and most likely will save when they switch companies.

Potential customers who do not match those standards may be forced to pay higher premium rates which results in the driver buying from a lower-cost company. The ad wording is “drivers that switch” but not “all drivers who get quotes” save that much when switching. That’s why insurance companies can confidently make claims that they all have the best premium rates. This really illustrates why you should compare rate quotes every year. Because you never know which company will give you the biggest savings.

Car insurance policy coverages for an Acura Integra

Having a good grasp of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by car insurance companies.

Medical expense coverage

Med pay and PIP coverage reimburse you for expenses like pain medications, X-ray expenses, EMT expenses and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as falling objects, damage from getting keyed, vandalism and hitting a deer. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

This will pay to fix damage to your Integra resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, crashing into a building, hitting a parking meter, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance

This coverage protects you from injuries or damage you cause to a person or their property in an accident. This insurance 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 per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as funeral expenses, repair costs for stationary objects, legal defense fees, structural damage and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

In any little way, save everyday

Low-cost 1994 Acura Integra insurance can be found from both online companies as well as from insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who may not have the ability to get a quote online and most of the time these regional insurance providers prefer to sell through independent insurance agencies.

As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice full coverage and found out when filing a claim they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at the best price, but do not skimp to save money.

You just read many ideas to reduce 1994 Acura Integra insurance rates online. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers could even find that the best rates are with a lesser-known regional company. Regional companies often have lower car insurance rates on specific markets compared to the large companies like State Farm, Geico and Nationwide.

Additional resources

• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)
• Things to Know Before you Cancel Insurance (Allstate)