1997 Acura Integra Insurance Cost – 7 Ideas for Cheapest Prices

Trying to find lower auto insurance rates for your Acura Integra? Have you fallen victim to high-priced auto insurance? Trust us, there are many consumers feeling the pinch from expensive auto insurance.

Drivers have multiple car insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, it makes it harder to compare rates and cut insurance costs.

You should take the time to shop coverage around once or twice a year because rates tend to go up over time. If you had the lowest rates on Integra coverage on your last policy you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance online, so with this article, you’re going to get some of the best ways to find affordable auto insurance.

This information will tell you how car insurance quotes work and some tricks to saving. If you currently have a car insurance policy, you will be able to save some money using this information. Nevertheless, vehicle owners do need to know how big insurance companies compete online because it can help you find the best coverage.

Policy discounts you shouldn’t miss

The cost of insuring your cars can be expensive, but you may find discounts to help offset the cost. Certain discounts will be triggered automatically when you get a quote, but some may not be applied and must be asked for in order for you to get them.

  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Own a Home – Simply owning a home may earn you a small savings because owning a home demonstrates responsibility.
  • No Claims – Claim-free drivers pay much less when compared with bad drivers.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Low Mileage Discounts – Fewer annual miles on your Acura can earn better rates on cars that stay parked.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you may earn at least 10% off all policies.
  • Student Driver Training – Require your teen driver to complete a driver education course if it’s offered in school.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way. But all discounts will reduce the cost of coverage.

For a list of insurance companies with the best insurance coverage discounts, follow this link.

Can switching companies really save?

Companies like Progressive, Geico, Allstate and State Farm consistently run television and radio advertisements. All the ads make an identical promise that you can save if you change your coverage to them. How do they all claim to save you money? It’s all in the numbers.

Different companies can use profiling for the type of driver that makes them money. A good example of a desirable insured might be over the age of 50, has no prior claims, and drives newer vehicles. A customer getting a price quote who matches those parameters gets the lowest rates and most likely will cut their rates substantially.

Consumers who are not a match for the “perfect” profile will be quoted higher premiums and ends up with business going elsewhere. The ads say “customers who switch” not “people who quote” save that kind of money. That is how companies can state the savings.

This emphasizes why it’s extremely important to compare as many rates as you can. It’s impossible to know the company that will have the lowest Acura Integra insurance rates.

Insurance agents can help

When it comes to buying coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your situation will benefit from professional help.

  • Should I rate my 1997 Acura Integra as pleasure use or commute?
  • What if I owe more than I can insure my car for?
  • Which companies will insure high-risk drivers?
  • Why does it cost so much to insure a teen driver?
  • How can I get high-risk coverage after a DUI?
  • Can I get a multi-policy discount?
  • Am I covered if I wreck a rental car?
  • Why do I only qualify for high-risk insurance?
  • Am I covered by my spouse’s policy after a separation?
  • Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

The coverage is in the details

Learning about specific coverages of insurance aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.

Liability auto insurance

Liability coverage protects you from damage that occurs to people or other property. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like structural damage, pain and suffering, emergency aid, attorney fees and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Acura Integra.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as funeral costs, pain medications and EMT expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive protection

This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like rock chips in glass, falling objects, hitting a bird, damage from a tornado or hurricane and theft. The maximum payout 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 insurance

This pays for damage to your Integra caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as rolling your car, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Saving money is sweet as honey

In this article, we covered a lot of ways to shop for 1997 Acura Integra insurance online. The key concept to understand is the more companies you get rates for, the better your comparison will be. Drivers may discover the lowest premiums are with an unexpected company. They can often provide lower rates in certain areas as compared to the big name companies such as State Farm, Geico and Nationwide.

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability limits or collision coverage only to discover later they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at the best price.

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