1991 Acura Integra Car Insurance Quotes

Trying to find better insurance rates for your Acura Integra? Finding the cheapest insurance online is problematic for consumers new to buying insurance on the web. With dozens of choices, how can anyone possibly compare every company to locate the best pricing?

It’s a good habit to check insurance prices yearly since rates fluctuate regularly. Just because you had the lowest price on Integra insurance six months ago the chances are good that you can find a lower rate today. So forget all the misinformation about insurance because it’s time to teach you the best way to save on insurance.

This information will let you in on how to effectively get price quotes and some tricks to saving. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. But drivers need to learn the way insurance companies sell online and apply this information to your search.

Don’t miss these discounts

Car insurance can cost a lot, but there are discounts available to help bring down the price. Some discounts apply automatically when you get a quote, but a few must be inquired about before you will receive the discount.

  • Good Student – A discount for being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Multiple Cars – Having all your vehicles with the same company may reduce the rate for each vehicle.
  • Homeowners Savings – Owning a home may trigger a auto insurance policy discount because maintaining a house is proof that your finances are in order.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on Integra insurance than less cautious drivers.
  • Clubs and Organizations – Being a member of a civic or occupational organization may earn a discount on your policy on Integra insurance.
  • Life Insurance Discount – Larger companies have lower rates if you buy life insurance.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for reduced rates on Integra insurance.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you may save 10% to 20% off each policy.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will help reduce the cost of coverage.

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

These factors can influence Acura Integra insurance rates

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for insurance coverage. Having a good understanding of what determines base rates helps enable you to make changes that can help you get big savings.

The list below includes a partial list of the pieces that factor into your rates.

  • Don’t cancel a policy without a new one in place – Driving with no insurance is illegal and insurance coverage companies will penalize you for letting your coverage lapse. Not only will rates go up, but not being able to provide proof of insurance will get you a license revocation or jail time.
  • Tickets mean higher rates – Whether or not you get tickets has a big impact on rates. Only having one speeding ticket can bump up the cost by twenty percent. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers with flagrant tickets such as DUI or reckless driving are required to file a SR-22 with their state DMV in order to keep their license.
  • Adjust deductibles and save – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Acura. Examples of covered claims are running into the backend of another car, damage caused by hail, or theft. Physical damage deductibles are how much you are willing to pay before your insurance coverage pays a claim. The more money you’re willing to pay, the lower your rates will be on Integra insurance.
  • Your insurance coverage rates can be influenced by your job – Jobs such as lawyers, architects and accountants tend to pay higher rates than average attributed to stressful work requirements and long work hours. On the flip side, jobs such as scientists, athletes and the unemployed have the lowest average rates on Integra insurance.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores get lower rates. Safe vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If your Acura has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Your credit rating is important – Having a bad credit score is a big factor in calculating your insurance coverage rates. Therefore, if your credit history is lower than you’d like, you could save money insuring your 1991 Acura Integra by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Liability insurance protects assets – The liability section of your policy provides coverage when you are found liable for damages caused by your negligence. Liability insurance provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.

When might I need help?

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

These are some specific questions may help highlight whether you might need an agent’s assistance.

  • Why am I required to buy high-risk coverage?
  • Which companies will insure high-risk drivers?
  • Where can I get insurance after a DUI in my state?
  • What is no-fault insurance?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered if I break a side mirror?
  • Do I need motorclub coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • How can I get my company to pay me more for my totalled car?
  • Are rental cars covered under my policy?

If you’re not sure about those questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form.

Coverage specifics

Having a good grasp of a car insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like dental work, X-ray expenses, surgery, nursing services and doctor visits. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, damage from flooding and vandalism. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

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

Collision can pay for things such as colliding with a tree, damaging your car on a curb and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Acura Integra.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are set the same as your liablity limits.


Liability coverage can cover damage that occurs to other people or property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like bail bonds, court costs, structural damage and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Saving money makes a lot of cents

Insureds who switch companies do it for many reasons like denial of a claim, unfair underwriting practices, being labeled a high risk driver and lack of trust in their agent. Whatever your reason, switching car insurance companies can be easier than you think.

Low-cost 1991 Acura Integra insurance can be purchased on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

As you shop your coverage around, never skimp on coverage in order to save money. There are many occasions where someone dropped physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at the best price while not skimping on critical coverages.

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