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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Looking for cheaper insurance coverage rates for your Acura Integra? Finding cheaper insurance for a new or used Acura Integra could be difficult, but you can use the following methods and make it easy. There is a better way to compare insurance coverage rates and we’ll show you the best way to quote coverages on a Acura and locate the lowest possible price from local insurance agents and online providers.

Finding the best rates is not rocket science. If you have a current insurance coverage policy or need a new policy, you can learn to cut your premiums while maintaining coverages. Vehicle owners only need an understanding of the most effective way to get comparison rates online.

Verify you’re receiving every discount

Some insurance providers don’t necessarily list all available discounts very well, so the below list has both well-publicized as well as some of the hidden credits available to bring down your rates.

  • Driving Data Discount – People who choose to allow their company to look at driving habits remotely like Allstate’s Drivewise may get a rate reduction as long as the data is positive.
  • Multiple Vehicles – Buying coverage for primary and secondary vehicles on a single policy qualifies for this discount.
  • Safety Course Discount – Taking a class that teaches defensive driver techniques could save 5% or more depending on where you live.
  • Low Mileage Discounts – Maintaining low annual mileage could be rewarded with cheaper insurance coveragerates.
  • Accident Forgiveness Coverage – This one isn’t a discount, but certain companies will turn a blind eye to one accident without the usual rate increase so long as you haven’t had any claims prior to being involved in the accident.
  • Switch and Save Discount – Select insurance companies give a discount for buying a new policy prior to your current policy expiring. You can save around 10% with this discount.
  • Student in College – Any of your kids who attend college more than 100 miles from home and do not have access to a covered vehicle could get you a discount.
  • Claim Free – Claim-free drivers are rewarded with significantly better rates on car insurance quote in comparison to insureds who have frequent claims or accidents.
  • Pay Now and Pay Less – By making one initial payment rather than paying monthly you can avoid the installment charge.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower insurance coveragerates if you buy auto and life insurance together.

Consumers should know that some credits don’t apply the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will bring down the cost of your policy.

A list of insurance coverage companies and their possible discounts are:

  • State Farm offers discounts for passive restraint, anti-theft, Drive Safe & Save, Steer Clear safe driver discount, defensive driving training, student away at school, and good student.
  • GEICO discounts include federal employee, anti-theft, daytime running lights, anti-lock brakes, five-year accident-free, and military active duty.
  • Liberty Mutual may offer discounts for multi-car, teen driver discount, new vehicle discount, newly married, multi-policy, preferred payment discount, and exclusive group savings.
  • The Hartford has discounts for driver training, air bag, bundle, vehicle fuel type, good student, and defensive driver.
  • MetLife policyholders can earn discounts including claim-free, good driver, defensive driver, multi-policy, accident-free, good student
  • Progressive has savings for homeowner, multi-vehicle, continuous coverage, multi-policy, online quote discount, and online signing.

When comparing rates, check with all companies you are considering which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policies in your area.

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

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How to compare free insurance coverage quotes

Shopping for lower insurance coverage rates can be a lot of work if you aren’t aware of the fastest way to get free quotes. You can waste a few hours (or days) talking about coverages with agents in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

Most of the larger companies belong to a marketplace that allows shoppers to enter their coverage request one time, and every company then returns a price quote for coverage. This eliminates the need for quote forms for each company you want a rate for.

To fill out one form to compare multiple rates now click to open in new window.

The one disadvantage to doing it this way is that consumers can’t choose the providers you want pricing from. If you would rather choose individual companies for rate comparison, we put together a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just be certain you are entering apples-to-apples deductibles and coverage limits on every price quote you get. If the quotes have different deductibles then you won’t be able to determine the lowest rate for your Acura Integra.

When should I discuss my situation with an agent?

When buying the right insurance coverage, there really is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that might help in determining whether your personal situation may require specific advice.

  • Does liability extend to a camper or trailer?
  • Do I need an umbrella policy?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered when driving on a suspended license?
  • Am I covered when driving someone else’s vehicle?
  • Should I get collision insurance on every vehicle?
  • Is a blown tire covered by insurance?
  • Does coverage extend to a rental car in a foreign country?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered when driving a rental car?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Car insurance coverage information

Having a good grasp of your policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Auto liability – This provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things like medical expenses, emergency aid, repair costs for stationary objects, legal defense fees and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Comprehensive coverage – This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, hail damage, hitting a deer and hitting a bird. The maximum amount 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 it’s not worth carrying full coverage.

Collision – Collision insurance covers 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 coverage pays for things such as rolling your car, sideswiping another vehicle, crashing into a ditch, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Acura Integra.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for rehabilitation expenses, ambulance fees, funeral costs and dental work. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

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

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Smart consumers save more

Consumers leave their current company for many reasons like unfair underwriting practices, an unsatisfactory settlement offer, high prices or denial of a claim. It doesn’t matter why you want to switch finding a great new company is pretty simple and you could end up saving a buck or two.

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. There have been many cases where an accident victim reduced collision coverage and found out when filing a claim that it was a big mistake. Your strategy should be to buy enough coverage at the best price while not skimping on critical coverages.

Lower-priced auto insurance is possible from both online companies as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies may not provide internet price quotes and usually these smaller companies only sell coverage through independent agencies.

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