Lower Your 1996 Acura Integra Insurance Cost

Paying for pricey Acura Integra insurance can deplete your bank account and put the squeeze on your family’s finances. Comparing rate quotes is recommended to make ends meet.

With so many online and local companies to choose from, it is very difficult to pick the right insurer.

Buy Acura Integra insurance for less

The best way to find cheaper car insurance is to take a look at the different types of things that help determine your premiums. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that could help you find big savings. Many different elements are taken into consideration when quoting car insurance. A few of the factors are predictable such as your driving record, although others are less apparent such as your marital status or your financial responsibility.

Shown below are some of the most rate-impacting factors companies use to determine your rates.

  • Eliminate unneeded extra policy coverages – There are a lot of extra bells and whistles that you can get tricked into buying if you aren’t diligent. Add-on coverages like rental car coverage, towing coverage, and extra life insurance coverage may be costing you every month. They may seem like a good idea when discussing your needs, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • Do you know you’re credit history? – An insured’s credit score can be a huge factor in determining premium rates. If your credit is not that good, you could be paying less to insure your 1996 Acura Integra if you clean up your credit. Drivers with very good credit scores tend to be more responsible than drivers with poor credit.
  • Drive less and save – The more miles you rack up on your Acura in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers charge rates based on their usage. Cars and trucks that have low annual miles can get a lower rate compared to those used for work or business. A policy that improperly rates your Integra is throwing money out the window. Double check that your car insurance policy reflects the correct usage for each vehicle.
  • Your liability coverage limits – The liability coverage on your policy will afford coverage if you are found liable for physical damage or personal injury to other. Liability provides you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so do not cut corners here.
  • No car insurance gaps is important – Having an insurance coverage lapse is a guaranteed way to increase your rates. Not only will you pay higher rates, the inability to provide proof of insurance may earn you fines and jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

These discounts can slash car insurance rates

Car insurance is not an enjoyable expense, but there could be available discounts that can help lower your rates. Certain reductions will be credited at the time of purchase, but less common discounts must be requested specifically before you get the savings.

  • Good Grades Discount – This discount can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if offered at their school.
  • Buy New and Save – Adding a new car to your policy can get you a discount compared to insuring an older model.
  • Telematics Data Discounts – Policyholders that allow their car insurance company to spy on where and when they drive by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates as long as the data is positive.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and earn discounts up to 10% off your insurance quote.
  • Government Employees – Having worked for a branch of the government could qualify for a slight premium decrease on Integra insurance with some car insurance companies.
  • Driver Safety – Taking a defensive driver class is a good idea and can lower rates and make you a better driver.
  • Active Service Discounts – Being deployed in the military may lower your rates slightly.
  • Homeowners Savings – Just being a homeowner can help you save on car insurance since home ownership is proof of financial responsibility.

As a footnote on discounts, most discounts do not apply the the whole policy. Most only reduce specific coverage prices like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.

To view companies that offer the discounts shown above, click this link.

When do I need an agent’s advice?

When choosing the right insurance coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions might help in determining if your situation could use an agent’s help.

  • How high should deductibles be on a 1996 Acura Integra?
  • Is my 1996 Acura Integra covered for flood damage?
  • Does my 1996 Acura Integra need full coverage?
  • Does my car insurance cover rental cars?
  • Is my teen driver covered when they drive my company car?
  • Should I buy only the required minimum liability coverage?
  • How much can I save by bundling my policies?
  • Why am I required to get a high-risk car insurance policy?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverage specifics

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on most car insurance policies.

Collision coverage – Collision insurance covers damage to your Integra resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Uninsured or underinsured coverage – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense coverage – Med pay and PIP coverage reimburse you for immediate expenses for dental work, chiropractic care, funeral costs, surgery and EMT expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive protection – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, hail damage and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability – This coverage will cover damage or injury you incur to a person or their property by causing an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like medical services, funeral expenses, medical expenses and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

A penny earned…

Throughout this article, we presented a lot of ways to shop for 1996 Acura Integra insurance online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

As you prepare to switch companies, you should never reduce coverage to reduce premium. There are too many instances where an accident victim reduced liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage for the lowest cost, but do not skimp to save money.

Some insurance coverage companies may not have internet price quotes and many times these smaller providers work with local independent agents. Budget-conscious 1996 Acura Integra insurance can be found from both online companies and from local insurance agents, and you should be comparing both to have the best selection.

Additional insurance coverage information is located at these links: