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 8, 2017

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Want lower insurance rates for your Acura Integra? When looking for lower-cost insurance, are you confused by the crazy number of insurance companies available to you? Consumers have so many companies available that it can easily become a difficult mission to find the perfect company for you.

It’s a great practice to get comparison quotes every six months because insurance rates are constantly changing. Just because you found the lowest premium rates for Integra coverage last year there may be better deals available now. Block out anything you think you know about insurance because you’re going to learn one of the quickest ways to remove unneeded coverages and save money.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these tips. The purpose of this article is to tell you how to effectively get price quotes and some tricks to saving. But consumers do need to know the way insurance companies determine prices and apply this information to your search.

You may qualify for discounts

Auto insurance is not inexpensive, but there’s a good chance there are discounts to reduce the price significantly. Some trigger automatically when you purchase, but some may not be applied and must be requested specifically before you will receive the discount.

  • Drivers Education – Have your child sucessfully take a drivers education course in school or through a local driver safety program.
  • Good Students Pay Less – Being a good student may save as much as 25% on a car insurance quote. Many companies even apply the discount to college students until age 25.
  • Employee of Federal Government – Being employed by or retired from a federal job may reduce rates when you quote car insurance for Integra coverage with some auto insurance companies.
  • Professional Memberships – Participating in a professional or civic organization is a simple method to lower premiums when getting a car insurance quote.
  • Student in College – who attend college more than 100 miles from home and do not take a car to college could qualify for this discount.
  • Passive Restraint Discount – Options like air bags can qualify for discounts as much as 30%.
  • ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents and will save you 10% or more.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.

Large auto insurance companies and some of their more popular discounts are detailed below.

  • Progressive policyholders can earn discounts including homeowner, multi-policy, online signing, online quote discount, multi-vehicle, and continuous coverage.
  • Farmers Insurance may include discounts for homeowner, distant student, switch companies, youthful driver, early shopping, bundle discounts, and alternative fuel.
  • Farm Bureau has discounts for youthful driver, multi-policy, driver training, good student, safe driver, and renewal discount.
  • State Farm discounts include anti-theft, passive restraint, multiple policy, driver’s education, accident-free, and Steer Clear safe driver discount.
  • GEICO has savings for air bags, military active duty, anti-lock brakes, multi-vehicle, good student, and emergency military deployment.
  • SAFECO offers discounts including anti-theft, anti-lock brakes, safe driver, homeowner, and drive less.
  • Liberty Mutual includes discounts for newly married, multi-car, safety features, hybrid vehicle, new move discount, and new vehicle discount.

Before buying, ask each company or agent which discounts they offer. Some of the discounts discussed earlier might not be offered on policies in your area. To view companies that can offer you the previously mentioned discounts, click here to view.

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

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Free auto insurance price quotes

Many insurance companies give price estimates directly from their websites. The process doesn’t take a lot of time as you simply type in your required coverages into the form. After you complete the form, the system will order reports for credit and driving violations and quotes a price based on many factors.

This makes it easy to compare insurance prices but having to visit each company’s website and repetitively complete many quote forms can be a bit repetitive. But it’s necessary to get many rate quotes in order to get the best price on auto insurance.

The preferred way to find cheaper rates uses one simple form that gets prices from more than one company. It saves time, eliminates form submissions, and makes online quotes much easier to do. As soon as the form is sent, it is rated with multiple companies and you can pick your choice of the quote results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The entire process only takes a few minutes and you will find out if you’re overpaying now.

To save time and find out how much you can save on auto insurance, click here and fill out the form. If you currently have coverage, we recommend you replicate the limits and deductibles exactly as shown on your declarations page. Doing this guarantees you will have rate quotes based on the exact same insurance coverage.

There’s no such thing as the perfect insurance policy

When choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions can help discover whether you will benefit from professional help.

  • What is medical payments coverage?
  • Are split liability limits better than a combined single limit?
  • What is UM/UIM insurance?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my 1994 Acura Integra qualify for pleasure use?
  • What happens if I owe more than my 1994 Acura Integra is worth?
  • What are the financial responsibility laws in my state?

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 agent. If you don’t have a local agent, simply complete this short form.

Insurance coverage breakdown

Learning about specific coverages of your insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision insurance

Collision insurance covers damage to your Integra resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills such as prosthetic devices, nursing services, pain medications, rehabilitation expenses and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, hail damage, damage from a tornado or hurricane and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance

This protects you from damage that occurs to other’s property or people in an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as structural damage, medical expenses, loss of income, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your 1994 Acura Integra.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

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

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Be Smart and Buy Smart

As you prepare to switch companies, you should never reduce needed coverages to save money. In too many instances, consumers will sacrifice liability limits or collision coverage only to find out that it was a big error on their part. Your goal is to buy the best coverage you can find at an affordable rate.

We’ve covered many ideas to lower your 1994 Acura Integra insurance premium rates. The key thing to remember is the more quotes you get, the better likelihood of getting affordable car insurance. Drivers may discover the best premium rates are with some of the lesser-known companies.

Drivers switch companies for a number of reasons such as delays in responding to claim requests, questionable increases in premium, poor customer service and even lack of trust in their agent. It doesn’t matter why you want to switch switching auto insurance companies is actually quite simple.

For more information, take a look at the articles below: