Save on 2000 Acura Integra Car Insurance Cost

Wish you could get out of overpriced auto insurance? It’s a common feeling and you’re not alone.

Popular companies such as Geico, 21st Century and Progressive increase brand awareness with advertising and it is challenging if not impossible to see past the geckos and flying pigs and take the time to shop coverage around.

If you currently have car insurance, you should be able to cut costs considerably using these tips. Finding affordable coverage is not rocket science. Nevertheless, vehicle owners must comprehend the way insurance companies sell insurance online and take advantage of how the system works.

How insurance providers determine Acura Integra insurance rates

A large part of saving on insurance is knowing some of the things that come into play when calculating your insurance rates. When you know what positively or negatively influences your rates, this allows you to make educated decisions that can help you get lower rates. Many factors are part of the calculation when you get a price on insurance. Some of the criteria are obvious like your driving record, but some are not as apparent like your continuous coverage or your commute time.

  • Lower rates come with age – Older drivers have been proven to be more responsible, tend to cause fewer accidents , and usually have better credit.Beginning drivers have been known to be easily distracted in a vehicle and because of this, their insurance rates are much higher.
  • Frequent insurance claims will cost you more – Companies give lower rates to insureds that do not abuse their auto insurance. If you’re an insured who likes to file claims you can look forward to higher premiums or even policy non-renewal. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Better insurance rates on safer vehicles – Vehicles that have high safety ratings can get you lower premiums. The safest vehicles reduce occupant injuries and fewer injuries translates into fewer and smaller insurance claims which can mean better rates for you. If your Acura Integra scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Poor credit decisions can cost you – An insured’s credit score is likely to be a major factor in determining premium rates. So if your credit score could use some work, you could save money insuring your 2000 Acura Integra if you clean up your credit. People that have high credit scores tend to be better risks to insure than drivers with lower ratings.
  • Raising comp and collision deductibles lowers premiums – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Acura from damage. Examples of some claims that would be covered would be a broken windshield, hitting a deer, and rolling your vehicle. The deductibles define how much you are willing to pay if you file a covered claim. The larger the amount the insured is willing to pay, the less your insurance will be on Integra coverage.
  • Are you male or female? – Statistics show that men are more aggressive behind the wheel. This data doesn’t prove that women are BETTER drivers than men. Males and females cause at-fault accidents at about the same rate, but the male of the species cause more damage. Men also statistically get higher numbers of serious violations like reckless driving and DUI. Male drivers age 16 to 19 are several times more likely to be in an accident so they pay the highest premiums.

Compare insurance coverage rate quotes

When shopping for the cheapest insurance coverage quotes, there are a couple of ways to compare rate quotes from local insurance coverage companies. One of the best ways to lower the rate you pay for 2000 Acura Integra insurance is to perform an online rate comparison. This can be accomplished by using one of the methods below.

The most recommended method to get quotes is an all-inclusive rate comparison click to view form in new window. This easy form saves time by eliminating separate quotation requests for every prospective company. One form gets prices estimates from all major companies.

A more time consuming way to find more affordable insurance consists of visiting the website of each company to request a price quote. For sake of this example, let’s say you want to compare prices for State Farm, Farmers and Travelers. To do that, you would have to navigate to each company’s site and repeatedly enter your information, which can be really labor intensive. For a handy list of car insurance company links in your area, click here.

The least recommended way to shop rates is to waste gas driving to insurance agents’ offices. The ability to buy insurance online reduces the need to sit down with an agent unless you prefer the professional assistance of a licensed agent. Although you can price shop your coverage online and still use a local agent.

Compare rates however you want, just try to keep nearly identical quote data for each quote you get. If you compare unequal deductibles or liability limits it’s not possible to make a fair rate comparison. Just slight variations in insurance coverages or limits may result in a large different in cost. Just remember that comparing more quotes helps increase your odds of locating a lower rate. Not every company does online rate quotes, so you also need to get quotes from them, too.

Beware of misleading car insurance ads

Big name companies like 21st Century, Allstate and State Farm continually stream television and radio advertisements. All the ads advertise the message about saving some big amount if you just switch your car insurance policy to them. How is it possible that every company can claim to save you money? This is how they do it.

Insurance providers have underwriting criteria for the type of driver that is profitable for them. For instance, a desirable risk might be over age 30, insures multiple vehicles, and has a high credit rating. Someone that matches those criteria receive the lowest rate quotes and is almost guaranteed to save quite a bit of money when switching.

Drivers who cannot meet these stringent criteria will be charged a more expensive rate which translates to the customer buying from a different company. If you pay attention, the ads say “customers that switch” not “all people who quote” save the amount stated. This is how companies can truthfully make the claims of big savings.

Because of the profiling, you really should do a quote comparison often. Because you never know which insurance companies will have the lowest prices for your situation.

Discounts for affordable insurance coverage quotes

Some insurers don’t always advertise all their discounts very well, so the below list has both well-publicized and also the more inconspicuous credits that you can use to lower your rates. If they aren’t giving you every credit available, you could be paying more than you need to.

  • Discount for Good Grades – A discount for being a good student may save you up to 25%. Most companies allow this discount until age 25.
  • ABS Braking Discount – Cars and trucks equipped with ABS or steering control are much safer to drive and earn discounts up to 10%.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching companies before your current coverage expires. It can save you around 10%.
  • Memberships – Being a member of certain professional organizations could trigger savings when getting a insurance coverage quote.
  • Policy Bundle Discount – If you insure your home and vehicles with the same company you could save nearly 15% which can help you find cheaper insurance coverage.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles can help prevent theft and therefore earn up to a 10% discount.
  • E-sign Discounts – A few larger online companies may give you up to $50 get insurance coverage on your computer.
  • Discount for Home Ownership – Owning your own home or condo can help you save on insurance coverage because maintaining a house requires a higher level of personal finance.
  • Drive Less and Save – Keeping the miles down on your Acura could be rewarded with substantially lower prices.

As is typical with insurance, most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts should help lower your policy cost.

Larger insurance coverage companies and their possible discounts include:

  • Travelers may offer discounts for home ownership, early quote, student away at school, IntelliDrive, save driver, good student, and multi-policy.
  • 21st Century offers premium reductions for 55 and older, driver training, teen driver, automatic seat belts, and student driver.
  • State Farm includes discounts for multiple autos, defensive driving training, Steer Clear safe driver discount, student away at school, anti-theft, and passive restraint.
  • Geico offers discounts for emergency military deployment, five-year accident-free, defensive driver, anti-theft, and multi-policy.
  • SAFECO offers discounts including teen safety rewards, accident prevention training, drive less, bundle discounts, and anti-lock brakes.
  • AAA may have discounts that include good student, education and occupation, multi-car, good driver, AAA membership discount, multi-policy, and anti-theft.

Before purchasing a policy, check with all the companies the best way to save money. All car insurance discounts may not apply to policies everywhere. To find companies who offer insurance coverage discounts, follow this link.

You may need specialized insurance coverage

When buying adequate coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that could help you determine if your situation might need an agent’s assistance.

  • Is my cargo covered for damage or theft?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I benefit by insuring my home with the same company?
  • Are my tools covered if they get stolen from my vehicle?
  • When should I not file a claim?
  • Which companies will insure high-risk drivers?
  • What is covered by UM/UIM coverage?
  • When would I need rental car insurance?
  • Can my teen driver be rated on a liability-only vehicle?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Auto insurance coverages and their meanings

Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages offered by auto insurance companies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Auto collision coverage

This coverage pays for damage to your Integra resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, colliding with another moving vehicle, damaging your car on a curb, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for doctor visits, nursing services, chiropractic care, pain medications and dental work. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance provides protection from damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like medical expenses, attorney fees, court costs, structural damage and pain and suffering. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive protection

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as rock chips in glass, falling objects and hitting a bird. The most 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.

In Summary

When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut uninsured motorist or liability limits only to find out they didn’t have enough coverage. The goal is to buy the best coverage you can find at the best price, but do not skimp to save money.

Some auto insurance companies do not offer the ability to get quotes online small insurance companies provide coverage only through independent insurance agencies. Cheaper auto insurance can be bought on the web and with local insurance agents, and you need to price shop both to have the best selection.

Additional auto insurance information is located at these links: