How Much Does 1992 Acura Integra Car Insurance Cost?

Looking for better auto insurance rates for your Acura Integra? Shopping for cheap auto insurance over the internet can seem to be challenging for consumers new to online price comaprisons. When there are so many online companies, how can anyone effectively compare every one to find the best pricing?

Discounts are basically free money

Car insurance is not cheap, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically when you purchase, but a few must be manually applied prior to receiving the credit.

  • Accident Forgiveness – A few companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • No Claims – Drivers who don’t have accidents can save substantially as compared to drivers who are more careless.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can get savings of 20% or more.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more for Integra coverage than less cautious drivers.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Early Signing – Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.

It’s important to note that most credits do not apply to the entire cost. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will cut your premiums.

Car insurance companies that may have these benefits may include but are not limited to:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Discounts may not be available everywhere.

Which Auto Insurance is Cheapest?

There are a lot of ways to compare auto insurance prices but some are easier and takes less work. You could waste a few hours driving to insurance companies in your area, or you could save time and use the internet to get prices fast.

All the larger companies participate in a marketplace where insurance shoppers enter their policy data once, and each participating company then gives them pricing based on that data. This saves time by eliminating quotation requests for each company you want a rate for.

To fill out one form to compare multiple rates now click here to start a free quote.

The only downside to doing it this way is you are unable to specify the companies you want to price. So if you prefer to pick individual companies to compare, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but compare identical quote information on every quote you get. If you are comparing different limits and deductibles on each one it will be impossible to determine the lowest rate for your Acura Integra. Quoting even small variations in coverage limits can result in a big premium difference. And when quoting auto insurance, remember that obtaining a wide range of quotes will enable you to find the best offered rates.

Which insurance is the “right” coverage?

When it comes to choosing the best auto insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different.

For instance, these questions can help discover if your situation might need an agent’s assistance.

  • How can I get my company to pay me more for my totalled car?
  • What discounts do I qualify for?
  • What if I owe more than I can insure my car for?
  • When should I not file a claim?
  • Do I have coverage when using my vehicle for my home business?
  • Can my teen drive my company car?
  • Am I covered when driving a rental car?
  • Am I covered when driving on a suspended license?
  • Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

The coverage is in the details

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, a broken windshield, theft and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision – Collision coverage will pay to fix damage to your Integra caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a parking meter, backing into a parked car, scraping a guard rail, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for expenses for chiropractic care, pain medications, rehabilitation expenses, dental work and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverage – This coverage can cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as court costs, loss of income, repair bills for other people’s vehicles, attorney fees and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Take this to the bank

You just read many ways to compare 1992 Acura Integra insurance prices online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers may even find the biggest savings come from a smaller regional carrier.

Cheaper insurance can be sourced both online and with local insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

People who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, delays in paying claims, extreme rates for teen drivers and even high prices. Regardless of your reason, switching companies is less work than it seems.

Additional information can be found at the links below