2000 Acura Integra Car Insurance Cost

Have you had enough of paying out the nose to pay your car insurance bill each month? You are no different than many other consumers.

Lots of insurers contend to insure your vehicles, so it can be very hard to choose a insurer and get the definite best price available.

It’s a good idea to get comparison quotes on a regular basis because insurance rates trend upward over time. Even if you think you had the best price on Integra coverage a couple years back you will most likely find a better rate today. So ignore everything you know about car insurance because we’re going to show you the right way to reduce your cost while increasing coverage.

Automobile Insurance Quotes

Most major insurance companies give pricing directly from their websites. This process is quite simple as you just enter your coverage preferences as detailed in the form. When the form is submitted, their system orders reports for credit and driving violations and returns pricing information based on these factors. This streamlines rate comparisons, but the work required to visit many different websites and type in the same information is monotonous and tiresome. But it is imperative to perform this step in order to find the best price possible.

A quicker way to find better insurance pricing utilizes a single form that gets price quotes from more than one company. The form is fast, helps eliminate reptitive entry, and makes online shopping a lot less work. Immediately after you send the form, your coverage is rated and you can select your choice of the quote results.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. The entire process takes less than 15 minutes and may save quite a bit of money.

To quickly find out what other companies charge, click here and submit your coverage information. If you have your current policy handy, we recommend you duplicate the coverages identical to your current policy. This makes sure you will have an apples-to-apples comparison for the exact same coverage.

Impacting insurance rates for an Acura Integra

Smart consumers have a good feel for the rating factors that help determine the rates you pay for insurance. Understanding what influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.

The following are some of the factors that factor into rates.

  • Your car’s features help determine rates – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your insurance. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
  • Men pay higher rates – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Both sexes are in accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like DUI and reckless driving.
  • Adjust deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, protects your Acura from damage. Examples of covered claims are collision with another vehicle, collision with an animal, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more you’re willing to pay, the lower your rates will be on Integra coverage.
  • Multi-policy discounts can save money – Many insurance companies give discounts to customers who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you may still want to shop around to verify if the discount is saving money.
  • Your stress level may be raising your rates – Occupations like doctors, business owners and dentists are shown to have the highest average rates attributed to job stress and lots of time spent at work. Other jobs such as scientists, historians and retirees pay the least on Integra coverage.
  • High crash test scores lower rates – Vehicles with high crash test scores are cheaper to insure. These vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Acura has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

Discounts are great for lower rates

The cost of insuring your cars can be expensive, but you may find discounts that you may not know about. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be specifically requested before being credited.

  • New Vehicle Savings – Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Organization Discounts – Being a member of a qualifying organization is a good way to get lower rates on your policy on Integra coverage.
  • Auto/Life Discount – Some companies give a break if you buy a life insurance policy as well.
  • Multiple Cars – Insuring all your vehicles on one policy could earn a price break for each car.
  • E-sign – A handful of insurance companies give back up to $50 just for signing your application on their website.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collision. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will reduce your overall premium however.

To see a list of providers offering auto insurance discounts, click here to view.

You may need specialized coverage

When choosing the best insurance coverage, there really is not a cookie cutter policy. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover whether you might need an agent’s assistance.

  • What companies insure drivers after a DUI or DWI?
  • Do I need motorclub coverage?
  • Is business equipment covered while in my vehicle?
  • When should my teen driver be added to my policy?
  • If my 2000 Acura Integra is totaled, can I afford another vehicle?
  • How much can I save by bundling my policies?
  • How many claims can I have before being cancelled?
  • Is my babysitter covered when using my vehicle?
  • How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Information about specific coverages

Knowing the specifics of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most insurance policies.

Comprehensive protection

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, rock chips in glass, fire damage, a broken windshield and damage from flooding. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for expenses like nursing services, hospital visits and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverage

This will cover damage or injury you incur to other people or property. This insurance protects YOU from claims by other people, 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. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like medical services, loss of income, medical expenses, bail bonds and funeral expenses. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Acura Integra.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Auto collision coverage

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

Collision coverage pays for things such as scraping a guard rail, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Smart shoppers get results

You just learned many tips how you can get a better price on 2000 Acura Integra insurance. The key concept to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the lowest rates come from some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Allstate, Geico and Progressive.

As you go through the steps to switch your coverage, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice liability limits or collision coverage only to regret that it was a big mistake. Your goal should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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