1999 Acura Integra Car Insurance Cost – 8 Tips for Best Prices

Searching for lower auto insurance rates for your Acura Integra? Feel like you’re a prisoner to overpriced auto insurance? Believe me, there are lots of people in the same boat. Because you have many companies and agents to choose from, it is very difficult to pick the best company.

It’s a great practice to do rate comparisons every six months because insurance rates trend upward over time. Just because you had the lowest price on Integra coverage a year ago you may be paying too much now. Block out anything you think you know about auto insurance because you’re about to learn how to quote online to find great coverage at a great price.

How to Get Insurance Coverage

Performing a rate comparison is a ton of work if you don’t know the best way to get rate quotes. You can waste a lot of time driving to insurance companies in your area, or you can utilize the internet to maximize your effort.

Many popular insurance companies participate in an industry program where prospective buyers submit their information once, and every company returns a rated price for coverage. This eliminates the need for quote forms to each individual insurance coverage company.

To participate in this free quote system, click here (opens in new window).

The one disadvantage to doing it this way is that consumers can’t choose the companies to get quotes from. So if you want to select from a list of companies for rate comparison, we have a listing of low cost insurance coverage companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using identical coverage limits on every quote. If you have different liability limits it will be next to impossible to determine the best price for your Acura Integra.

Save on 1999 Acura Integra insurance

Insurance can cost an arm and a leg, buy you may qualify for discounts that many people don’t even know exist. A few discounts will automatically apply when you purchase, but a few must be asked for before they will apply. If you don’t get every credit available, you’re paying more than you need to.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Paperless Signup – A handful of insurance companies give back up to $50 for buying your policy over the internet.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Senior Discount – If you qualify as a senior citizen, you may receive reduced rates on Integra coverage.
  • Accident Free – Drivers who don’t have accidents pay less as compared to drivers who are more careless.
  • Accident Waiver – A handful of insurance companies permit an accident before raising your premiums if you are claim-free for a certain period of time.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. A few only apply to individual premiums such as liability, collision or medical payments. So when it seems like you can get free auto insurance, you won’t be that lucky. But any discount will cut the cost of coverage.

Companies that may have some of the above discounts include:

Double check with every prospective company which discounts they offer. Some discounts may not apply in every state.

Tailor your coverage to you

When buying coverage, there really is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining whether you may require specific advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I have coverage if my license is suspended?
  • Does having multiple vehicles earn me a discount?
  • Are split liability limits better than a combined single limit?
  • How much liability do I need to cover my assets?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can help protect your family.

Insurance coverages explained

Having a good grasp of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from insurance companies.

Liability coverages

This provides protection from injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as bail bonds, medical services, pain and suffering and funeral expenses. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Acura Integra.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, damage from a tornado or hurricane, hitting a bird, theft and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses like pain medications, nursing services and dental work. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage

This coverage pays for damage to your Integra resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, backing into a parked car, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

A tidy conclusion

Cheaper 1999 Acura Integra insurance can be purchased on the web as well as from independent agents, so you should compare both in order to have the best chance of saving money. A few companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

We’ve covered a lot of information how to compare insurance prices online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the lowest premiums are with a lesser-known regional company. These companies may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.

Additional information is available below: