View 1995 Acura Integra Car Insurance Rates

Looking for better car insurance rates for your Acura Integra? Having to pay for overpriced Acura Integra insurance can empty your personal savings and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Insurance companies such as Geico, 21st Century and Progressive increase brand awareness with TV and radio ads and it is difficult to see through the deception and do the work needed to find the best deal.

If you have car insurance now, you will be able to cut costs considerably using these techniques. Buying car insurance is quite easy. Although drivers must learn the methods companies use to market on the web and use this information to your advantage.

Pay less by taking advantage of discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts to reduce the price significantly. A few discounts will automatically apply at quote time, but a few must be specifically requested before you will receive the discount.

  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company could earn a price break for each car.
  • Federal Employees – Employees or retirees of the government can save as much as 8% on Integra coverage with select insurance companies.
  • Homeowners Discount – Owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • One Accident Forgiven – A handful of insurance companies permit an accident before your rates go up if you are claim-free prior to the accident.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates on Integra coverage.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as comp or med pay. So even though it sounds like you could get a free auto insurance policy, companies wouldn’t make money that way. Any amount of discount will cut your overall premium however.

For a list of companies offering auto insurance discounts, follow this link.

How to Get Insurance

Effectively comparing insurance prices is a ton of work if you don’t utilize the most efficient way. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can stay home and use online quotes to achieve your goal.

All the larger companies belong to a marketplace where insurance shoppers enter their policy data once, and every company can provide price quotes based on the submitted data. This eliminates the need for quote forms for every insurance company.

To use this form to compare 1995 Acura Integra insurance rates click here to start a free quote.

The one disadvantage to pricing coverage this way is you can’t choose which companies to get quotes from. If you would rather choose specific providers to receive pricing from, we have a listing of insurance companies in your area. Click to view list.

Which method you use is up to you, but compare apples-to-apples coverages and limits on every quote. If you enter differing limits it will be impossible to make an equal comparison. Having just a slight variation in coverages may cause a big price difference. And when price shopping your coverage, getting more free quotes will improve the odds of getting better pricing.

Your coverage should be tailored to you

When choosing the best auto insurance coverage for your personal vehicles, there is no one size fits all plan. Every situation is different and your policy should reflect that. For example, these questions can aid in determining if your situation might need professional guidance.

  • Do I need added coverage for expensive stereo equipment?
  • Should I buy more coverage than the required minimum liability coverage?
  • I have a DUI can I still get coverage?
  • Why does it cost so much to insure a teen driver?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need higher collision deductibles?
  • How do I buy GAP insurance?
  • Am I missing any policy discounts?
  • Is extra glass coverage worth it?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Insurance specifics

Having a good grasp of your insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most insurance policies.

Comprehensive coverage – This pays for 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 such as rock chips in glass, damage from a tornado or hurricane, vandalism, a broken windshield and a tree branch falling on your vehicle. 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 dropping full coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for bills for X-ray expenses, hospital visits, dental work and pain medications. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision coverage – This pays for damage to your Integra resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, backing into a parked car, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries 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. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Liability coverages – Liability insurance can cover damage that occurs to people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like attorney fees, bail bonds, repair bills for other people’s vehicles, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

A penny earned…

When buying insurance coverage, do not buy poor coverage just to save money. There are many occasions where someone dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage for the lowest price.

Throughout this article, we presented a lot of information how to lower your 1995 Acura Integra insurance rates. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. You may even find the lowest premiums are with a lesser-known regional company. These companies can often insure niche markets at a lower cost than their larger competitors like Allstate, Geico and Progressive.

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