Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Nov 6, 2017

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Do you think you bought an expensive auto insurance policy? It’s quite common and many consumers feel financially strained by their auto insurance policy. Since you have so many different company options, it is hard for the average consumer to find the right company.

Buy insurance coverage online

Getting more affordable 1990 Acura Integra insurance coverage pricing is actually easier than you may think. You just need to spend a few minutes on the computer to compare rate quotes to discover which company has cheaper auto insurance quotes. Insurance prices can be quoted in several different ways.

  1. The first (and easiest) way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This quick form keeps you from doing a different quote for each company. One quote request compares rates from all major companies.
  2. Another way to find lower rates requires visiting the website of each company to complete a price quote. For examples sake, let’s say you want to get rates from State Farm, Liberty Mutual and American Family. To get each rate you have to go to every website and repeatedly enter your information, which can be really labor intensive.

    To view a list of companies in your area, click here.

However you get your quotes, double check that you are using the same coverages and limits on every quote you get. If each company quotes different data it’s not possible to make an equal comparison.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Car insurance in the media

Consumers can’t escape the ads that claim the lowest prices by companies like Allstate, GEICO and Progressive. They all seem to make an identical promise that people will save if you switch your policy.

How does every company lower your prices? This is how they do it.

Insurance providers have underwriting criteria for the driver that will generate a profit. A good example of this type of risk profile should be over the age of 40, has had continuous coverage, and drives less than 7,500 miles a year. A propective insured that fits those parameters will get a cheap rate quote as well as save a lot of money.

Consumers who are not a match for these standards will probably be forced to pay more expensive rates which translates to the customer buying from someone else. If you pay close attention to the ads, they say “customers that switch” but not “all drivers who get quotes” save that much when switching. This is how insurance companies can make those statements. Because each company has a different risk profile, you really need to quote coverage with many companies. Because without a comparison, you cannot know which insurance companies will have the lowest rate quotes.

Get lower rates with these insurance discounts

Some companies do not list every possible discount very well, so here is a list both the well known and the more hidden discounts that you may qualify for.

  • 55 and Retired – Mature drivers could receive a slight reduction on a auto insurance quote on Integra coverage.
  • Discounts for Government Workers – Federal government employees may qualify for a discount when you quote auto insurance on Integra coverage depending on your company.
  • Own a Home and Save – Owning a home can save you money since home ownership shows financial diligence.
  • Buy New and Save – Buying a new car instead of a used car can be considerably cheaper because newer vehicles are generally safer.
  • More Vehicles More Savings – Buying coverage for several vehicles with one company can get a discount for every vehicle.
  • Resident Student – Kids who live away from home to go to college and don’t have a car could qualify for this discount.
  • Full Payment Discount – If paying your policy premium upfront rather than spreading payments over time you could save 5% or more.
  • Good Grades Discount – Getting good grades may save as much as 25% on a auto insurance quote. The discount lasts up to age 25.

Policy discounts save money, but most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.

Larger insurance companies and some of the premium reductions they offer include:

  • State Farm may include discounts for multiple policy, accident-free, student away at school, defensive driving training, safe vehicle, anti-theft, and Drive Safe & Save.
  • Liberty Mutual offers discounts for safety features, good student, multi-policy, new vehicle discount, preferred payment discount, exclusive group savings, and multi-car.
  • American Family offers discounts including defensive driver, early bird, good student, bundled insurance, and accident-free.
  • Progressive includes discounts for online signing, continuous coverage, good student, multi-vehicle, online quote discount, multi-policy, and homeowner.
  • Farmers Insurance offers premium reductions for homeowner, alternative fuel, business and professional, good student, and teen driver.
  • Auto-Owners Insurance may have discounts that include teen driver, multiple vehicles, safe driver, air bags, paperless, and safe vehicle.
  • SAFECO may offer discounts for anti-lock brakes, drive less, safe driver, accident prevention training, anti-theft, and homeowner.

When getting free auto insurance quotes, it’s a good idea to every company which discounts you qualify for. Some of the discounts discussed earlier may not be offered in your area. To choose providers offering insurance discounts, follow this link.

Insurance coverage can get complicated

When buying adequate coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. These are some specific questions might help in determining whether or not you might need professional guidance.

  • Are split liability limits better than a combined single limit?
  • Does my policy cover me when driving someone else’s vehicle?
  • What discounts do I qualify for?
  • Should I have a commercial auto policy?
  • What is the ISO rating for a 1990 Acura Integra?
  • Is my trailer covered?
  • Do I need motorclub coverage?
  • Does coverage extend to a rental car in a foreign country?
  • What can I do if my company denied a claim?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Enter your zip code below to view companies that have cheap auto insurance rates.

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What auto insurance coverages do you need?

Having a good grasp of auto insurance aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by auto insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, fire damage, theft and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Acura Integra.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto collision coverage

This coverage pays for damage to your Integra from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with another moving vehicle, damaging your car on a curb, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability coverage

Liability coverage will cover damage that occurs to other’s property or people in an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things like medical services, attorney fees, repair bills for other people’s vehicles, funeral expenses and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses like doctor visits, X-ray expenses and rehabilitation expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

More quotes. Lower rates.

Throughout this article, we presented many tips how you can lower your 1990 Acura Integra insurance rates. The most important thing to understand is the more companies you get car insurance rates for, the better chance you’ll have of finding the cheapest auto insurance. Consumers may even find the lowest priced insurance coverage comes from some of the smallest insurance companies. These companies may only write in your state and offer lower car insurance rates compared to the large companies like GEICO and State Farm.

Some companies may not provide price quotes online small, regional companies prefer to sell through independent insurance agencies. More affordable insurance coverage is attainable both online and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money.

As you prepare to switch companies, make sure you don’t buy less coverage just to save a little money. Too many times, an insured cut full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at the best cost while not skimping on critical coverages.

Additional insurance coverage information is available below: