How Much Does 1996 Acura Integra Insurance Cost?

Paying for high-priced Acura Integra insurance can empty your personal savings, especially in this economy. Doing a price comparison is a great way to reduce premiums and put more money in your pocket.

Insurance companies such as Progressive, State Farm and GEICO constantly bombard you with fancy advertisements and it can be hard to ignore the promise of big savings and effectively compare rates to find the best deal.

If you currently have car insurance, you will be able to lower your premiums substantially using this information. Buying car insurance is quite easy. Although car owners benefit from understanding how companies price online insurance and apply this information to your search.

Insurance Coverage Prices

When shopping for insurance coverage there are multiple ways to compare rate quotes from local insurance coverage companies. The quickest method to find the lowest 1996 Acura Integra rates involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

The best way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for repetitive form entry to each individual insurance coverage company. Just one form gets you coverage quotes from multiple low-cost companies.
A different way to analyze rates consists of visiting each individual company website to request a price quote. For example, let’s assume you want to compare Nationwide, GEICO and GMAC. To find out each rate you need to visit each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples coverages and limits on every quote. If you enter higher or lower deductibles it’s not possible to determine the best price for your Acura Integra. Slightly different coverage limits may cause a big price difference. And when quoting insurance coverage, remember that comparing more company’s prices helps locate lower pricing.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but there could be available discounts that you may not even be aware of. A few discounts will automatically apply at the time you complete a quote, but lesser-known reductions have to be requested specifically before you get the savings.

Senior Discount – Mature drivers may be able to get a discount up to 10% for Integra insurance.
Claim Free – Claim-free drivers pay less when compared with bad drivers.
Sign Online – Some insurance companies will give a small break just for signing your application on their website.
Safety Course Discount – Completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
Multi-car Discount – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
Save with a New Car – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.

It’s important to understand that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will bring down your premiums.

Insurance companies that may offer these money-saving discounts include:

It’s a good idea to ask each company what discounts are available to you. Discounts might not be offered everywhere.

Tailor your coverage to you

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help you determine whether your personal situation might need an agent’s assistance.

Do I have coverage for damage caused while driving under the influence?
What is the difference between comprehensive and collision coverage?
Are my friends covered when driving my 1996 Acura Integra?
Does my car insurance cover rental cars?
Is my nanny covered when driving my vehicle?
Does my personal policy cover me when driving out-of-state?
Does coverage extend to Mexico or Canada?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Auto insurance policy coverages for an Acura Integra

Understanding the coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages offered by auto insurance companies.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like surgery, nursing services and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Acura Integra.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are set the same as your liablity limits.

Liability car insurance

Liability insurance provides protection from damage or injury you incur to people or other property. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like bail bonds, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Comprehensive coverages

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

Comprehensive coverage pays for things like hail damage, fire damage and damage from getting keyed. The most your auto 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.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, hitting a mailbox, driving through your garage door, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.