1996 Acura Integra Car Insurance Cost – 10 Tips for Best Prices

Price shopping your auto insurance is hard for people who are new to comparison shopping online. There are so many options available that it can quickly become more work than you anticipated to locate the lowest price.

It’s important to price shop coverage yearly because prices are constantly changing. Despite the fact that you may have had the best deal on Integra insurance a year ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the fastest and easiest way to find the best coverage while lowering your premiums.

Pay less by taking advantage of these ten discounts

Insurance can cost an arm and a leg, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but a few need to be manually applied before you get the savings.

  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Paperless Signup – Certain companies will give a small break simply for signing over the internet.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less on Integra insurance than drivers with accidents.
  • Clubs and Organizations – Belonging to a civic or occupational organization could qualify you for a break on insurance on Integra insurance.
  • Homeowners Pay Less – Owning a home may earn you a small savings because owning a home is proof that your finances are in order.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way. But all discounts will bring down the cost of coverage.

Car insurance companies that may offer these benefits include:

Before buying, ask every prospective company which discounts you may be entitled to. Some discounts may not apply in your area.

Your coverage should be tailored to you

When it comes to choosing the best insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

  • Is my cargo covered for damage or theft?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my 1996 Acura Integra covered for flood damage?
  • What is UM/UIM insurance?
  • What happens if I owe more than my 1996 Acura Integra is worth?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverages for an Acura Integra

Having a good grasp of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Medical expense coverage

Coverage for medical payments and/or PIP pay for immediate expenses like hospital visits, X-ray expenses, rehabilitation expenses, dental work and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like falling objects, vandalism, damage from flooding, theft and hail damage. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Acura Integra.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability coverages

Liability insurance provides protection from damage that occurs to a person or their property. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like emergency aid, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Collision coverage protection

This coverage covers damage to your Integra caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, sustaining damage from a pot hole, rolling your car, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Best coverage at the best price

Drivers who switch companies do it for any number of reasons including policy non-renewal, poor customer service, unfair underwriting practices and even not issuing a premium refund. It doesn’t matter why you want to switch choosing a new company is easier than you think.

The cheapest 1996 Acura Integra insurance can be sourced both online and with local insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance providers do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

While you’re price shopping online, never buy poor coverage just to save money. In too many instances, an insured cut collision coverage to discover at claim time that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at the best price.

Additional information can be found below: