1994 Acura Integra Insurance Cost – 6 Tips for Best Prices

Shoppers have a choice when shopping for the lowest priced Acura Integra insurance. You can either spend your time contacting agents trying to get quotes or use the internet to compare rates. There is a better way to find car insurance online and we’ll show you the quickest way to compare rates on a Acura and find the lowest possible price from local insurance agents and online providers.

Discounts are available to cut your rates

Companies don’t always publicize all available discounts very clearly, so here is a list both the well known and the more hidden ways to save on car insurance. If you’re not getting every credit possible, you are paying more than you should be.

  • No Claims – Drivers who don’t have accidents pay less as compared to accident-prone drivers.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on Integra insurance than less cautious drivers.
  • 55 and Retired – If you’re over the age of 55, you may qualify for a small decrease in premiums on Integra insurance.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may earn at least 10% off all policies.
  • Discount for Swiching Early – A few companies offer discounts for switching policies before your current policy expires. The savings is around 10%.
  • Organization Discounts – Belonging to a qualifying organization could trigger savings on your policy on Integra insurance.

It’s important to note that most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way.

Companies who might offer these benefits are:

Before buying, ask each company what discounts are available to you. All car insurance discounts may not be available in every state.

Everyone needs different coverages

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique.

These are some specific questions might point out whether your personal situation would benefit from an agent’s advice.

  • Are split liability limits better than a combined single limit?
  • How high should my uninsured/underinsured coverage be in my state?
  • When would I need additional glass coverage?
  • Which companies will insure high-risk drivers?
  • Does my car insurance cover rental cars?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered if I drive in a foreign country?
  • Is my Acura Integra covered if I use it for business?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Save 15 percent in 15 minutes? Is it for real?

Drivers constantly see and hear ads for the lowest price auto insurance by Allstate and Progressive. They all seem to have a common claim that you’ll save big if you switch to their company.

How can each company say the same thing? This is how they do it.

Different companies have a preferred profile for the type of customer that makes them money. For example, a profitable customer might be profiled as over the age of 50, has no driving citations, and drives newer vehicles. Any new insured that hits that “sweet spot” gets the lowest rates and most likely will save when they switch companies.

Consumers who do not match the “perfect” profile will be quoted more money and ends up with business not being written. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. That is how companies can advertise the way they do. This emphasizes why drivers must get a wide range of price quotes. It’s impossible to know which auto insurance company will give you the biggest savings on Acura Integra insurance.

Insurance specifics

Learning about specific coverages of insurance helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability car insurance

Liability coverage will cover damage or injury you incur to a person or their property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like structural damage, emergency aid and pain and suffering. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

Collision insurance covers damage to your Integra resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a building, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 1994 Acura Integra.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like theft, rock chips in glass, fire damage, damage from flooding and a broken windshield. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for surgery, chiropractic care, funeral costs, X-ray expenses and hospital visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Save your cold hard cash

We just showed you many ways to get a better price on 1994 Acura Integra insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. Consumers could even find that the best price on auto insurance is with a smaller regional carrier.

Insureds leave their current company for a number of reasons such as an unsatisfactory settlement offer, denial of a claim, high rates after DUI convictions or even questionable increases in premium. Regardless of your reason for switching companies, switching auto insurance companies is pretty easy and you might even save some money in the process.

As you restructure your insurance plan, do not reduce needed coverages to save money. There have been many situations where someone sacrificed liability coverage limits only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at the best price while still protecting your assets.

To learn more, take a look at the resources below: