Lower Your 1993 Acura Integra Insurance Cost

Want better insurance rates for your Acura Integra? Expensive insurance can empty your bank account and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to slash your bill and have more diposable income.

Because you have many different company options, it’s difficult to choose the cheapest insurance company.

Finding affordable coverage is not that difficult. In a nutshell, every driver who carries car insurance most likely will be able to reduce their rates. Although drivers do need to understand how big insurance companies sell online and use this information to your advantage.

Comprehensive Insurance Comparison Quotes

Performing a rate comparison can be a daunting task if you aren’t aware of the best way to get rate quotes. You can spend countless hours driving to insurance companies in your area, or you can stay home and use online quoting to get the quickest rates.

The majority of car insurance companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and each participating company then returns a price quote based on the submitted data. This eliminates the need for quote forms to every company.

To use this form to compare 1993 Acura Integra insurance rates click here (opens in new window).

The single downside to using this type of system is you can’t choose the companies to receive prices from. So if you prefer to choose specific insurance companies to compare rates, we put together a list of companies who write insurance in your area. Click here to view list.

It’s your choice how you get your quotes, but make darn sure you compare exactly the same quote information for each comparison quote. If you enter different liability limits it’s not possible to determine the lowest rate for your Acura Integra. Just a small difference in coverages may result in large price differences. It’s important to know that having more price comparisons will increase your chances of finding the best rates.

Get lower rates on 1993 Acura Integra insurance

Car insurance companies don’t list every discount very clearly, so here is a list some of the more common and the harder-to-find discounts you could be receiving.

No Charge for an Accident – Certain companies permit an accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
Good Students Pay Less – Getting good grades can earn a discount of 20% or more. The discount lasts until age 25.
Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Integra insurance than less cautious drivers.
Memberships – Participating in certain professional organizations may earn a discount on auto insurance on Integra insurance.
Multiple Policy Discount – If you have multiple policies with the same company you could get a discount of at least 10% off all policies.
Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.

It’s important to note that many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. Just because you may think it’s possible to get free car insurance, auto insurance companies aren’t that generous.

For a list of insurers with discount auto insurance rates, click here to view.

Tailor your coverage to you

When it comes to buying the best insurance coverage, there really is not a “best” method to buy coverage. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover whether or not you may require specific advice.

Am I covered if I wreck a rental car?
Is my teenager covered with friends in the car?
Why am I required to buy high-risk coverage?
Are my tools covered if they get stolen from my vehicle?
I don’t drive much so do I pay less?
Am I covered when driving in Canada or Mexico?
Why is insurance for a teen driver so high?
How high should my medical payments coverage be?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Information about specific coverages

Knowing the specifics of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverages found on the average car insurance policy.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like nursing services, chiropractic care, doctor visits, surgery and X-ray expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, damage from flooding and hail damage. The maximum amount 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 dropping full coverage.

Collision coverage

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 coverage pays for claims such as backing into a parked car, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Acura Integra.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. This insurance 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: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things such as repair costs for stationary objects, legal defense fees, pain and suffering and bail bonds. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.