1994 Acura Integra Car Insurance Cost – 6 Tips to Save

Having to pay for overpriced insurance can dwindle your personal savings and force you to make sacrifices. Comparison shopping is a smart way to cut your insurance bill.

Insurance companies such as Progressive, Geico and Farmers Insurance all claim big savings, bombarding you with ad campaigns and it is difficult to see past the corporate glitz and find the best price available.

You should take the time to compare rates every six months since insurance rates change frequently. Just because you found the lowest rates on Integra coverage a couple years back there may be better deals available now. Starting now, forget anything you know (or think you know) about insurance because I’m going to teach you the things you must know in order to save on insurance.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you is not that difficult. Although drivers should learn how the larger insurance companies price online insurance and apply this information to your search.

The fastest way that we advise to compare car insurance company rates utilizes the fact car insurance companies have advanced systems to give you rate quotes. The one thing you need to do is provide the companies a bit of rating information such as if you are currently licensed, how you use your vehicles, if the vehicle is leased, and if it has an alarm system. That information is then submitted to multiple different insurance companies and you should receive rate quotes instantly.

To compare rates for a 1994 Acura Integra now, click here and find out if lower rates are available.

Discounts to lower Acura Integra insurance rates

The cost of insuring your cars can be expensive, but you can get discounts that can drop the cost substantially. A few discounts will automatically apply at quote time, but a few must be inquired about before being credited.

  • Auto/Home Discount – When you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Save over 55 – Mature drivers may qualify for a small decrease in premiums on Integra coverage.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • E-sign – Some insurance companies give back up to $50 simply for signing online.
  • Government Employees – Simply working for the federal government may qualify you for a discount on Integra coverage with a few insurance companies.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.

It’s important to note that some credits don’t apply the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky. Any amount of discount will cut the cost of coverage.

A partial list of companies that may offer some of the above discounts include:

Double check with each company what discounts are available to you. Discounts might not be offered in every state.

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions could help you determine whether your personal situation could use an agent’s help.

  • Do I have coverage if my license is suspended?
  • What are the best liability limits?
  • Does liability extend to a camper or trailer?
  • When can I cancel my policy?
  • When should I buy a commercial auto policy?
  • Am I covered when using my vehicle for business?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Why does it cost so much to insure a teen driver?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Insurance coverages explained

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on most insurance policies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like ambulance fees, pain medications and EMT expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability

Liability coverage protects you from damages or injuries you inflict on a person or their 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. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as medical services, medical expenses, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, falling objects, fire damage and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, damaging your car on a curb, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

In conclusion

When shopping online for auto insurance, it’s not a good idea to buy poor coverage just to save money. In many cases, an accident victim reduced physical damage coverage and learned later they didn’t purchase enough coverage. Your aim should be to find the BEST coverage for the lowest price.

We covered many tips how you can compare 1994 Acura Integra insurance prices online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the best prices are with some of the lesser-known companies. They may cover specific market segments cheaper compared to the large companies like Allstate, Geico and Progressive.

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