1995 Acura Integra Car Insurance Quotes – 8 Ideas for Cheaper Rates

Searching for lower insurance rates for your Acura Integra? Feel like you’re a prisoner to high-priced insurance? Believe me when I say there are many people just like you. Numerous car insurance companies battle to insure your vehicles, and because of this it can be hard to compare auto insurance companies to discover the definitive lowest price

You should make it a habit to price shop coverage quite often because insurance rates are variable and change quite frequently. Even if you got the best deal on Integra coverage two years ago a different company probably has better rates today. There is a lot of bad advice regarding insurance online, so with this article, you’re going to get a lot of great tips on how to buy insurance cheaper.

The easiest way to compare car insurance rates is to know almost all companies actually pay money for the chance to quote your coverage. All you need to do is take a few minutes to give details including whether you are married, driver details, whether you drive to work or school, and your education level. The rating information is then submitted to insurance companies and you receive quotes immediately.

Are you getting all your discounts?

Car insurance is not cheap, buy you may qualify for discounts that can drop the cost substantially. Some trigger automatically when you get a quote, but a few must be asked for in order for you to get them. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Organization Discounts – Affiliation with a professional or civic organization is a good way to get lower rates when buying car insurance on Integra coverage.
  • Bundle and Save – If you insure your home and vehicles with the same company you may save approximately 10% to 15%.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on Integra coverage with select insurance companies.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Military Rewards – Having a deployed family member can result in better rates.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will bring down your premiums.

For a list of providers who offer car insurance discounts, follow this link.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might help in determining whether you might need professional guidance.

  • Is my ex-spouse still covered by my policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I put collision coverage on all my vehicles?
  • Is my Acura Integra covered if I use it for business?
  • Are all vehicle passengers covered by medical payments coverage?
  • If my 1995 Acura Integra is totaled, can I afford another vehicle?
  • Do I need PIP coverage since I have good health insurance?
  • Do I need more liability coverage?
  • Do I need higher collision deductibles?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions then you might want to talk 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 It is quick, free and you can get the answers you need.

Auto insurance 101

Knowing the specifics of your insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages offered by insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for funeral costs, rehabilitation expenses and ambulance fees. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like scraping a guard rail, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Acura Integra.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.


Liability coverage will cover injuries or damage you cause to other people or property. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as emergency aid, funeral expenses and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

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

Best coverage at the best price

As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. Too many times, someone dropped liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage for the lowest price while not skimping on critical coverages.

We just showed you many ways to compare 1995 Acura Integra insurance prices online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the best prices are with a small local company. Regional companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

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