1999 Acura Integra Insurance Cost – 10 Savings Tips

Want cheaper car insurance rates for your Acura Integra? Nobody looks forward to paying for car insurance, especially when they know their premiums are too high.

You have so many insurance companies to purchase coverage from, and although it’s nice to have a choice, it can be more difficult to find the lowest rates.

Finding affordable coverage is not rocket science. Essentially every vehicle owner who is required by state law to have insurance stands a good chance to be able to reduce their rates. Nevertheless, car owners must know how big insurance companies sell online and use this information to your advantage.

The best way we recommend to compare insurance rates in your area is to know most larger insurance companies actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is give them rating details including your education level, if you require a SR-22, deductibles desired, and which vehicles you own. That information is instantly sent to many highly-rated insurers and they return cost estimate almost instantly.

The ad said I’d save $483 a year!

Respected companies like Progressive, Geico, Allstate and State Farm endlessly run ads on television and other media. All the ads make the same claim about how much you will save if you just switch to their company. It sounds good, but how can they all sell you cheaper insurance coverage?

Insurance providers offer their best rates for the driver they prefer to insure. A good example of this type of driver may need to be married and over the age of 30, has had continuous coverage, and does not commute to work. Anyone that meets those criteria receives the best car insurance rates as well as save if they switch.

People who fall outside these criteria may be required to pay a more expensive rate and ends up with the customer not buying. The ads say “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how insurance companies can confidently advertise the way they do. This illustrates why it is so important to quote coverage with many companies. It is impossible to predict which company will provide the lowest car insurance rates.

Don’t miss with these ten discounts

Buying insurance coverage is not cheap, but you might be missing out on some discounts that many people don’t even know exist. A few discounts will automatically apply when you purchase, but less common discounts must be requested specifically prior to getting the savings.

  • Telematics Discount – Policyholders that allow their company to analyze where and when they drive by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they are good drivers.
  • Low Mileage – Keeping the miles down on your Acura can qualify you for cheaper rates.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Auto/Home Discount – When you have multiple policies with one insurance company you may earn approximately 10% to 15%.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle up before driving could save 15% on the premium charged for medical payments and/or PIP.
  • Military Rewards – Having a family member in the military can result in better premium rates.
  • Accident Forgiveness Coverage – but some insurance companies allow you one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Defensive Driver – Passing a driver safety class could earn you a small percentage discount and easily recoup the cost of the course.
  • Memberships – Affiliation with qualifying employment or professional organizations is a good way to get lower rates on your next renewal.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off for Integra coverage but check with your company.

As a footnote on discounts, most credits do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like you would end up receiving a 100% discount, companies don’t profit that way.

A list of insurance coverage companies and a summarized list of policyholder discounts are:

  • Geico may include discounts for multi-policy, air bags, federal employee, driver training, and membership and employees.
  • MetLife discounts include claim-free, accident-free, multi-policy, good driver, and good student.
  • State Farm has savings for Steer Clear safe driver discount, passive restraint, Drive Safe & Save, anti-theft, driver’s education, safe vehicle, and multiple autos.
  • Progressive may offer discounts for continuous coverage, homeowner, online signing, multi-vehicle, and good student.
  • Mercury Insurance offers discounts for multi-policy, type of vehicle, ease of repair, professional/association, accident-free, and anti-theft.
  • 21st Century may have discounts that include teen driver, good student, homeowners, automatic seat belts, theft prevention, and anti-lock brakes.
  • Allstate policyholders can earn discounts including resident student, good student, premier plus, anti-lock brakes, 55 and retired, premier discount, and teenSMART discount.

Before buying, ask all the companies which discounts they offer. Some discounts may not apply in your area.

Your situation helps dictate your coverage

When choosing proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions could help you determine whether your personal situation may require specific advice.

  • Is business equipment covered while in my vehicle?
  • What is high-risk coverage and where do I buy it?
  • Does liability extend to a camper or trailer?
  • What is medical payments coverage?
  • Why does it cost so much to insure a teen driver?
  • What is covered by UM/UIM coverage?
  • Can my teen drive my company car?
  • Do I need to file an SR-22 for a DUI in my state?
  • How much liability insurance is required?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

The coverage is in the details

Understanding the coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

Auto liability insurance

This provides protection from damage that occurs to people or other property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like repair costs for stationary objects, funeral expenses, pain and suffering, emergency aid and court costs. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision protection

This pays for damage to your Integra from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, scraping a guard rail, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hail damage, a broken windshield, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as X-ray expenses, nursing services and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Get your money’s worth

We just showed you some good ideas how you can reduce 1999 Acura Integra insurance premium rates online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting affordable insurance. You may even discover the lowest premium rates come from the smaller companies. Regional companies can often insure niche markets at a lower cost than their larger competitors like Progressive or Geico.

When getting insurance quotes online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, someone dropped uninsured motorist or liability limits only to discover later that it was a big mistake. Your goal should be to buy enough coverage at the best price, but don’t skip important coverages to save money.

More detailed insurance coverage information can be read in these articles: