1990 Acura Integra Insurance Rates – 10 Ideas for Cheaper Quotes

Overwhelmed by the sheer number of insurance options? You’re not the only one! Drivers have so many options available that it can quickly become a lot of work to locate the lowest price.

How to Get Insurance

To find the best insurance prices, there are several ways of comparing rate quotes from insurance companies in your area. One of the best ways to find the lowest 1990 Acura Integra rates is to perform an online rate comparison. This is very easy and can be done using a couple different methods.

  1. The single most time-saving way to find low rates would be an industry-wide quote request form (click to open form in new window). This method eliminates the need for separate quote forms for each company you want a rate for. One form submission compares rates from multiple low-cost companies. It’s the fastest way to compare.
  2. A slightly less efficient method to analyze rates requires you to visit each company website to complete their respective quote request forms. For sake of this example, we’ll assume you want comparison quotes from Allstate, Liberty Mutual and Progressive. To get rate quotes you would need to visit each site and enter your information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just make darn sure you compare the exact same coverage limits and deductibles for each comparison quote. If each company quotes mixed coverages it will be very difficult to make an equal comparison. Slightly different coverage limits can result in a big premium difference. It’s important to know that quoting more will improve the odds of getting the best rates.

Do you qualify for a discount?

The price of auto insurance can be rather high, but there could be available discounts that you may not know about. Larger premium reductions will be automatically applied when you purchase, but a few must be specifically requested before you get the savings.

  • Student Driver Training – Have your child enroll in driver’s education if it’s offered in school.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts up until you turn 25.
  • Life Insurance – Larger companies have a break if you buy life insurance from them.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you may save 10% to 20% off each policy.
  • Low Mileage – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Memberships – Participating in a qualifying organization is a good way to get lower rates on car insurance on Integra coverage.
  • Lower Rates for Military – Having a deployed family member can result in better rates.

Keep in mind that many deductions do not apply to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. So when the math indicates you could get a free car insurance policy, you’re out of luck. But all discounts will help reduce the cost of coverage.

For a list of insurers who offer car insurance discounts, follow this link.

What coverages do I need?

When it comes to buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different.

For example, these questions may help highlight whether you would benefit from an agent’s advice.

  • When should I remove comp and collision on my 1990 Acura Integra?
  • How much can I save by bundling my policies?
  • Am I covered if I wreck a rental car?
  • Does coverage extend to a rental car in a foreign country?
  • What vehicles should carry emergency assistance coverage?
  • What happens if I owe more than my 1990 Acura Integra is worth?
  • What is the minimum liability in my state?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Beware of misleading auto insurance ads

Companies like State Farm and Allstate constantly bombard you with ads in print and on television. All the ads say the same thing that you’ll save big if you switch to their company. How does each company claim to save you money? It’s all in the numbers.

Insurance companies have a certain “appetite” for the type of driver that earns them a profit. For instance, a driver they prefer could be between 25 and 40, has no prior claims, and chooses high deductibles. Any driver who fits that profile will get the preferred rates and most likely will save quite a bit of money when switching.

Potential customers who don’t meet this ideal profile will be charged a more expensive rate and ends up with the customer not buying. Company advertisements say “drivers who switch” but not “drivers who get quotes” save money. This is how companies can state the savings.

That is why it is so important to get quotes from several different companies. It’s impossible to know which company will provide you with the cheapest Acura Integra insurance rates.

Coverages available on your policy

Understanding the coverages of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like doctor visits, EMT expenses and chiropractic care. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, vandalism and hail damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

This will pay to fix damage to your Integra from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as driving through your garage door, colliding with another moving vehicle, rolling your car and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Liability auto insurance

This coverage provides protection from damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like medical services, attorney fees, court costs and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1990 Acura Integra.

Since many drivers 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 important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Be a penny pincher

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. In too many instances, someone dropped liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Affordable 1990 Acura Integra insurance is definitely available both online as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies don’t offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

We covered many tips how you can save on insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. You may even discover the lowest rates come from a lesser-known regional company.

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