Compare 2000 Acura Integra Car Insurance Quotes

Searching for lower insurance coverage rates for your Acura Integra? Confused by the number of insurance coverage choices? Many other consumers are too. Consumers have so many options that it can easily become a ton of work to find the best price.

If you have car insurance now, you will be able to lower your premiums substantially using these techniques. This article will instruct you on how to effectively get price quotes and some tricks to saving. But consumers can benefit by having an understanding of how companies sell online and use this information to your advantage.

Lots of discounts mean lots of savings

Car insurance companies don’t always publicize all available discounts in an easy-to-find place, so we break down some of the best known and the harder-to-find discounts you could be receiving.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Multiple Policy Discount – If you have multiple policies with the same company you may save at least 10% off all policies.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Companies that possibly offer these benefits may include but are not limited to:

Before buying, ask each company which discounts you may be entitled to. Discounts may not be available in your area.

Low Cost Insurance

The are a couple different ways to compare rate quotes and find the best price. The best method to find competitive 2000 Acura Integra insurance rates is to perform an online rate comparison. This is very easy and can be done in several different ways.

  1. The most efficient way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This method prevents you from having to do separate forms to each individual insurance company. One simple form will get you price quotes from multiple companies.It’s the quickest way to get rates.
  2. Another way to compare rate quotes requires a trip to each company’s website and fill out their own quote form. For examples sake, we’ll assume you want to compare rates from Allstate, State Farm and Geico. To find out each rate you need to visit each site to enter your coverage information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

  3. The least efficient method to compare rates is to drive around to different agent offices. Shopping for insurance online makes this process obsolete unless you require the personal advice of a licensed agent. However, consumers can find lower rates online but buy from a local insurance agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just make absolute certain that you use apples-to-apples coverages with every price quote. If you use different limits and deductibles on each one it will be impossible to decipher which rate is best. Slightly different coverage limits could mean much higher rates. And when quoting insurance, remember that obtaining a wide range of quotes provides better odds of finding the best price.

Factors that can influence insurance rates for an Acura Integra

Smart consumers have a good feel for the factors that come into play when calculating your auto insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that could result in big savings.

The list below includes a partial list of the pieces companies use to determine premiums.

  • Women pay lower rates – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean women are better drivers. They both are in accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations such as DWI and reckless driving.
  • Do you work long hours in a high stress job? – Careers like doctors, architects and accountants tend to pay higher rates than average in part from high stress and long work days. On the flip side, jobs such as scientists, athletes and retirees have the lowest average rates for Integra insurance.
  • Drive less and save money – The more miles you rack up on your Acura every year the more you will pay for auto insurance. Most companies rate vehicles based upon how you use the vehicle. Autos not used for work or commuting can get a lower rate compared to those used for work or business. Improper usage on your Integra can cost quite a bit. Ask your agent if your auto insurance policy shows how each vehicle is driven, because it can save money.
  • Credit scores impact auto insurance rates – A driver’s credit score is a important factor in determining your rates. If your credit rating is lower than you’d like, you could pay less to insure your 2000 Acura Integra by improving your credit score. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have poor credit.

Situations that might require an agent

When buying adequate coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different.

These are some specific questions may help you determine whether your personal situation would benefit from professional advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need added coverage for expensive stereo equipment?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I have any recourse if my insurance company denies a claim?
  • How much liability insurance is required?
  • Should I drop comprehensive coverage on older vehicles?
  • Which companies will insure high-risk drivers?
  • What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form.

Advertising myths

Car insurance companies such as Progressive, Allstate and Geico constantly bombard you with ads on TV and radio. They all seem to say the same thing that you’ll save big if you switch to them. How does each company make almost identical claims? This is how they do it.

Different companies can use profiling for the type of customer that makes them money. An example of a profitable customer might be between 25 and 40, has no prior claims, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters gets the lowest rates and therefore will save when they switch companies.

Potential insureds who don’t measure up to the requirements must pay more money and this can result in business going elsewhere. The ad wording is “drivers who switch” not “people who quote” save money. That’s why companies can advertise the savings. This illustrates why drivers must get as many comparisons as possible. It is impossible to predict which company will provide you with the cheapest Acura Integra insurance rates.

Learn about auto insurance coverages for a 2000 Acura Integra

Knowing the specifics of auto insurance helps when choosing the best coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive (Other than Collision)

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

Comprehensive can pay for things such as a tree branch falling on your vehicle, hitting a bird, rock chips in glass and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses like funeral costs, chiropractic care, dental work and hospital visits. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability coverage

This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as medical expenses, medical services and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Acura Integra.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision insurance

Collision insurance pays for damage to your Integra caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as damaging your car on a curb, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Power to the consumer

People who switch companies do it for a number of reasons such as delays in paying claims, not issuing a premium refund, an unsatisfactory settlement offer and lack of trust in their agent. Whatever your reason, finding a great new company is not as hard as you think.

Budget-conscious 2000 Acura Integra insurance is definitely available online and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

As you shop your coverage around, you should never reduce coverage to reduce premium. In many cases, an accident victim reduced collision coverage only to discover later that they should have had better coverage. The aim is to buy enough coverage for the lowest price while not skimping on critical coverages.

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