Pretty sure you bought an underperforming, overpriced car insurance policy? Believe me when I say there are many people just like you. Many insurance companies compete to insure your vehicles, so it’s not easy to compare every provider to get the lowest rate possible.
Smart consumers take time to shop coverage around yearly because car insurance prices are constantly changing. Just because you found the lowest rates on Integra insurance two years ago a different company probably has better premium rates today. Forget all the misinformation about car insurance because we’re going to demonstrate the only way to properly buy coverages while reducing your premium.
Lowering your 1992 Acura Integra car insurance rates is a great way to save money. All that’s required is to invest a little time comparing rates to see which company has cheaper insurance coverage quotes. It’s super easy and can be done by using one of the methods below.
For a list of companies in your area, click here.
Compare rates however you want, just make sure you compare the same quote information on every quote. If your comparisons have unequal deductibles or liability limits it will be impossible to decipher which rate is best.
When it comes to buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can aid in determining if your insurance needs might need an agent’s assistance.
If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.
Having a good grasp of auto insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on the average auto insurance policy.
Comprehensive (Other than Collision)
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as vandalism, hail damage, hitting a bird and fire damage. The highest amount you’ll receive from a 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 insurance
Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like hospital visits, pain medications and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
This coverage protects you from damage or injury you incur to other’s property or people that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.
Liability coverage pays for things like structural damage, repair bills for other people’s vehicles, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.
Collision coverage protection
Collision coverage covers damage to your Integra caused by 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 insurance covers things such as hitting a parking meter, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Protection from uninsured/underinsured drivers
This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Acura Integra.
Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.