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: Oct 5, 2015

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Trying to find better car insurance rates for your Acura Integra? Having to pay for pricey Acura Integra insurance can empty your budget and force you to cut corners elsewhere. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill.

Big companies like State Farm, Progressive and GEICO all claim big savings, bombarding you with fancy advertisements and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

If you have car insurance now, you will most likely be able to reduce your rates substantially using this information. Finding affordable coverage is not rocket science. Although vehicle owners do need to learn the way companies market on the web and take advantage of how the system works.

Informed consumers save more

Many different elements are considered when pricing auto insurance. Some are obvious such as your driving record, but other factors are less obvious such as your credit history or your financial responsibility.One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the elements that are used to determine your policy premiums. If you have some idea of what determines premiums, this allows you to make good choices that will entitle you to much lower annual insurance costs.

  • Policy add-ons may be wasting money – There are many extra add-on coverages that can add up if you aren’t careful. Insurance for roadside assistance, high-cost glass coverage, and motor club memberships may not be needed and are just wasting money. They may sound like good ideas when deciding what coverages you need, but now you might not need them so eliminate them to save money.
  • Higher coverage deductibles are cheaper – Comprehensive and collision coverage deductibles state the amount of money you are willing to pay before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of covered claims are a windshield broken by a bird, animal collisions, and having a roll-over accident. The more of the claim you pay before a claim is paid (deductible), the less money you will pay for insurance coverage on Integra insurance.
  • Never allow your insurance coverage to lapse – Driving with no insurance can get you a ticket and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. In addition to paying higher premiums, not being able to provide proof of insurance could earn you a fine, jail time, or a revoked license.
  • Small claims can cost you – If you’re an insured who likes to file claims you can look forward to either higher rates or even cancellation. Car insurance companies generally give discounts to policyholders who do not file claims often. Your insurance policy is designed for major claims that would cause financial hardship.
  • The more you drive the more you pay – The more you drive your Acura in a year the more you’ll pay to insure it. Most insurance companies rate vehicles based upon how you use the vehicle. Autos left parked in the garage qualify for better rates than cars that get driven a lot. It’s a good idea to make sure your insurance coverage policy states the right rating data. An improperly rated Integra is just wasting money.
  • Where you reside – Having an address in less populated areas is a good thing when it comes to insurance coverage. Fewer drivers means reduced accidents and a lower car theft rate. Residents of big cities tend to have congested traffic and a longer drive to work. More time commuting translates into higher accident risk.
  • Driving citations can increase prices – Having just one driving citation can boost insurance rates substantially. Good drivers have lower premiums than people who have multiple driving citations. Drivers with serious violations such as hit and run, DWI or reckless driving convictions may need to maintain a SR-22 with their state’s licensing department in order to legally drive a vehicle.

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

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These discounts can lower your insurance rates

Some insurance providers don’t always list all their discounts very clearly, so the below list has some of the more common as well as the least known discounts that you can inquire about if you buy insurance coverage online. If you check and find you aren’t receiving every discount available, you are just wasting money.

  • Auto/Life Discount – Some companies give a discounted rate on car insurance if you buy auto and life insurance together.
  • Accident Free – Drivers who stay claim-free can save substantially as compared to bad drivers.
  • Mature Driver Discount – Older drivers could receive reduced rates on Integra insurance.
  • Active Military Service – Being deployed with a military unit could be rewarded with lower rates.
  • Homeowners Pay Less – Just owning your own home may trigger a policy discount on insurance because owning a home demonstrates responsibility.
  • College Student – Children who are attending college and leave their car at home can be insured at a reduced rate.
  • Smart Student Discounts – Getting good grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Low Mileage – Keeping the miles down on your Acura may enable drivers to earn cheaper insurancerates.
  • Accident Forgiveness Coverage – Not necessarily a discount, but some insurance companies may permit one accident without getting socked with a rate hike with the catch being you have to be claim-free for a set time period.

You can save money using discounts, but some credits don’t apply to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

A list of insurance companies and some of their more popular discounts are detailed below.

  • Progressive offers discounts for continuous coverage, good student, online signing, homeowner, multi-policy, and multi-vehicle.
  • The Hartford discounts include defensive driver, bundle, good student, air bag, vehicle fuel type, and driver training.
  • Mercury Insurance policyholders can earn discounts including annual mileage, accident-free, location of vehicle, ease of repair, and type of vehicle.
  • GEICO may include discounts for driver training, daytime running lights, anti-theft, membership and employees, air bags, and multi-vehicle.
  • AAA includes discounts for good student, education and occupation, pay-in-full, good driver, anti-theft, multi-car, and multi-policy.
  • State Farm may have discounts that include defensive driving training, good driver, driver’s education, Drive Safe & Save, and Steer Clear safe driver discount.

It’s a good idea to ask every company to apply every possible discount. All car insurance discounts may not be offered in your area. If you would like to see a list of insurers who offer online insurance quotes, follow this link.

Tricks in car insurance advertising

Car insurance companies such as State Farm, Allstate and GEICO seem to constantly run television, radio, and online ads. They all advertise the message of big savings if you move your coverage to them. How do they all charge lower premium rates? It’s all in the words they use.

Different companies have a preferred profile for the type of driver that will be a good risk. One example of a profitable customer might have to be over the age of 50, insures multiple vehicles, and drives less than 10,000 miles a year. A customer who matches those parameters receives the best auto insurance rates and will probably save when they switch companies.

Consumers who do not match this stringent profile may be forced to pay a higher rate which leads to business going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” save the amount stated. That’s why insurance companies can advertise the savings. Because of the profiling, drivers must compare rate quotes every year. It’s just too difficult to predict which company will have the lowest rates.

Different people need different insurance coverage coverages

When buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions could help you determine if you could use an agent’s help.

  • Does liability extend to a camper or trailer?
  • Does my medical payments coverage pay my health insurance deductible?
  • How do I file an SR-22 for a DUI in my state?
  • Does medical payments coverage apply to all occupants?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is covered by UM/UIM coverage?
  • Is rental equipment covered for theft or damage?

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

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

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Information about specific coverages

Having a good grasp of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types available from insurance companies.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Acura Integra.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sustaining damage from a pot hole, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for expenses for hospital visits, pain medications and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, hitting a deer and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability – This can cover injuries or damage you cause to people or other property. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things like legal defense fees, loss of income, attorney fees, bail bonds and funeral expenses. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Shop around and save

Throughout this article, we presented some good ideas how you can reduce 1991 Acura Integra insurance car insurance rates online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even discover the lowest priced insurance coverage comes from a lesser-known regional company. Regional companies may only write in your state and offer lower premium rates than the large multi-state companies such as Allstate and Progressive.

As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice liability coverage limits only to regret at claim time that the small savings ended up costing them much more. Your goal is to find the BEST coverage for the lowest price and still be able to protect your assets.

Low-cost 1991 Acura Integra insurance is definitely available on the web in addition to many insurance agents, and you should compare rates from both to have the best selection. Some insurance providers do not offer online price quotes and many times these small, regional companies work with independent agents.

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