Searching for better car insurance rates for your Acura Integra? Locating better insurance prices for an Acura Integra can normally be an all-consuming task, but you can follow our car insurance buying tips to make it easier. There is a right way and a wrong way to buy car insurance so you’re going to learn the best way to get price quotes for your Acura and obtain the cheapest rates.
You need to do rate comparisons every six months because prices are adjusted regularly by insurance companies. Just because you had the best deal on Integra insurance a couple years back there is a good chance you can find better premium rates now. Ignore everything you know about car insurance because you’re going to get a crash course in one of the easiest ways to save money, get proper coverage and the best rates.
Effectively comparing auto insurance prices can be exhausting if you aren’t aware of the fastest way to get free quotes. You can waste a lot of time driving to insurance agencies in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.
The majority of car insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and each participating company then returns a price quote determined by their information. This eliminates the need for form submissions to each individual auto insurance company. To find out how much you can save on auto insurance click to open in new window.
The one disadvantage to comparing rates this way is you cannot specify which insurance companies you want to price. So if you want to choose specific insurance companies to compare prices, we put together a list of companies who write auto insurance in your area. Click here to view list.
The method you choose is up to you, but compare the exact same coverage data on every quote. If the quotes have mixed coverages you can’t possibly determine which company has the best rates.
Insurance coverage is expensive, but there may be some discounts that could drop your premiums quite a bit. A few discounts will automatically apply at the time of quoting, but lesser-known reductions have to be specially asked for prior to getting the savings.
As a footnote on discounts, some credits don’t apply the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.
Companies that may include most of these discounts include:
When quoting, ask each company what discounts are available to you. Discounts might not be offered on policies in your area. To choose providers that offer some of these discounts, click this link.
When it comes to buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different.
For example, these questions might help in determining whether your personal situation would benefit from an agent’s advice.
If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Consumers can’t escape the ads that promise big savings for switching from the likes of State Farm and Allstate. All the ads advertise the message that drivers will save a bundle if you change your policy.
But how can every company charge lower premium rates? It’s all in the numbers.
Different companies give the cheapest rates for the right customer that is profitable for them. For example, a preferred risk might be described as a female over age 40, has no driving citations, and has a short commute. Any customer who meets those qualifications may get the lowest car insurance rates and as a result will probably save when switching.
Drivers who may not quite match this ideal profile may receive more expensive rates and the customer not buying. If you pay attention, the ads say “people that switch” but not “everyone who gets a quote” save money. That’s why insurance companies can confidently make it sound like they have such great car insurance rates. This really drives home the point why it is so important to get as many free insurance quotes as possible. Because without a comparison, you cannot know the company that will give you lower rates than your current company.
Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Collision – Collision coverage will pay to fix damage to your Integra resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as driving through your garage door, sustaining damage from a pot hole, sideswiping another vehicle, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.
Insurance for medical payments – Coverage for medical payments and/or PIP kick in for immediate expenses like surgery, funeral costs, pain medications and nursing services. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage
Liability – Liability coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage pays for claims like loss of income, bail bonds and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.
Comprehensive coverage (or Other than Collision) – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like vandalism, theft, falling objects and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Acura Integra.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
You just read a lot of ways to lower your 1997 Acura Integra insurance car insurance rates. The key concept to understand is the more rate quotes you have, the higher your chance of finding low cost insurance. You may even find the lowest car insurance rates are with the smaller companies.
Consumers who switch companies do it for a number of reasons such as questionable increases in premium, policy non-renewal, delays in paying claims and even being labeled a high risk driver. It doesn’t matter why you want to switch finding the right insurance provider is not as hard as you think.
When getting insurance quotes online, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where an accident victim reduced uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at the best possible price while still protecting your assets.