1998 Acura Integra Insurance Rates

Trying to find cheaper insurance rates for your Acura Integra? I can’t think of anyone who looks forward to paying for insurance, especially when their premiums are too high. You have multiple auto insurance companies to insure vehicles with, and even though it’s nice to have a selection, too many choices makes it more difficult to adequately compare rates.

It is always a good idea to check insurance prices at least once a year due to the fact that insurance rates change regularly. Even if you think you had the best price for Integra coverage six months ago you can probably find a better price now. So just forget all the misinformation about insurance because you’re about to learn one of the easiest ways to find lower rates on insurance.

Finding affordable coverage is simple if you know the tricks. If you have a current car insurance policy or are just looking to switch companies, you can use these techniques to get lower rates and still get good coverage. Drivers just need to learn the tricks to compare company rates on the web.

The most recommended method to compare car insurance rates is to know the fact almost all companies participate in online systems to give you rate quotes. The one thing you need to do is give them some information like coverage limits, how much school you completed, whether you have decent credit, and if a SR-22 is needed. That rating data is then sent to all major companies and they return cost estimate with very little delay.

Take advantage of discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be triggered automatically at quote time, but a few must be specifically requested prior to receiving the credit. If you don’t get every credit you deserve, you are throwing money away.

Good Student Discount – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
Safety Course Discount – Taking a defensive driving course could possibly earn you a 5% discount depending on where you live.
Multiple Vehicles – Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
Passive Restraints and Air Bags – Factory air bags or automatic seat belts can get savings of 20% or more.
Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
Early Signing – A few companies offer discounts for signing up before your current policy expires. This can save 10% or more.
Multiple Policy Discount – If you insure your home and vehicles with one insurance company you will save up to 20% off your total premium.
Low Mileage – Low mileage vehicles could qualify for a substantially lower rate.
Homeowners Savings – Owning a house can save you money because maintaining a house is proof that your finances are in order.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. Just because you may think adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will bring down the cost of coverage.

For a list of insurance companies with the best auto insurance discounts, click this link.

How to know if you need help

When it comes to choosing the best auto insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions might point out whether you might need professional guidance.

What if I owe more than I can insure my car for?
How can I force my company to pay a claim?
Where can I find high-risk insurance?
Am I covered when driving someone else’s vehicle?
Do I have coverage for damage caused while driving under the influence?
Does my insurance cover my expensive audio equipment?
What exactly is covered by my policy?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Insurance coverage basics

Having a good grasp of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for doctor visits, ambulance fees and nursing services. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, fire damage and a broken windshield. The highest amount a 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 dropping full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Acura Integra.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Collision coverage

This will pay to fix damage to your Integra resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with another moving vehicle, damaging your car on a curb, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Coverage for liability

This coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as medical expenses, loss of income, bail bonds, emergency aid and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.