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: Jul 5, 2018

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Shoppers have lots of choices when shopping for the best price on Acura Integra insurance. They can either waste time contacting agents getting price quotes or save time using the internet to make rate comparisons.

There is a better way to compare insurance coverage rates and we’ll show you the quickest way to price shop coverage for a new or used Acura and locate the best price possible from local insurance agents and online providers.

You need to price shop coverage once or twice a year because rates tend to go up over time. Even if you got the best rate on Integra insurance at your last renewal you can probably find a better price now. Forget all the misinformation about insurance coverage because you’re about to find out how to quote online to properly buy coverages while reducing your premium.

The purpose of this post is to tell you how car insurance quotes work and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these tips. Consumers just need to understand how to shop their coverage around online.

The quickest way to compare rates is to know the fact most insurance companies pay for the opportunity to provide you with free rate quotes. All you need to do is provide a little information such as how old drivers are, if you are currently licensed, what your job is, and the make and model of your vehicles. That rating data is instantly provided to all major companies and they return cost estimate with very little delay.

To check 1996 Acura Integra insurance prices now, click here and enter the information requested.

Why your insurance prices might be higher

Smart consumers have a good feel for some of the things that go into determining your premiums. When you understand what impacts premium levels, this enables you to make decisions that can earn you lower auto insurance prices.

The items below are a few of the things auto insurance companies consider when setting premiums.

  • Safety ratings are a factor – Cars with five star safety ratings get lower rates. The safest vehicles reduce injuries and reduced instances of injuries means less claims paid and more competitive rates for policyholders. If your Acura is rated at a minimum four stars on it is probably cheaper to insure.
  • Minor frequent policy claims are not good – If you file a lot of claims you can pretty much guarantee either policy cancellation or increased premiums. Insurance companies give most affordable rates to insureds who file claims infrequently. Your car insurance is designed for larger claims.
  • Do you qualify for a multi-policy discount? – Lots of insurers give discounts to insureds that buy multiple policies in the form of a multi-policy discount. Even with this discount, it’s in your best interest to check prices from other companies to help ensure you have the lowest rates.There is a chance you can find lower rates by buying from different companies
  • Liability insurance limits on your policy – The liability coverage on your policy provides coverage in the event that you are found to be at fault for personal injury or accident damage. It will provide you with a defense in court which can cost thousands of dollars. It is affordable coverage when compared to the cost of physical damage coverage, so do not skimp.
  • Guys pay higher rates – Over time, data shows females are less aggressive when driving. It does not mean women are better drivers. Females and males are in at-fault accidents at a similar rate, but guys have costlier accidents. Men also tend to receive more costly citations such as DWI and reckless driving. Male teenagers have the highest risk to insure and therefore are the most expensive to insure.

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Take policy discounts and save

Auto insurance is not cheap nor is it fun to buy but there could be significant discounts that may help make it more affordable. Some trigger automatically at the time you complete a quote, but some need to be inquired about prior to receiving the credit. If you do not double check each discount you deserve, you are not getting the best rate possible.

  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Multiple Vehicles – Having multiple cars with one company may reduce the rate for each vehicle.
  • Good Student – Being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Bundled Policy Discount – If you insure your home and vehicles with one insurance company you could get a discount of up to 20% off your total premium.
  • Government Employees – Having worked for a branch of the government can save as much as 8% on Integra insurance with a few auto insurance companies.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class if it’s offered in school.
  • Active Military Service – Being deployed in the military could mean lower rates.

Don’t be surprised that most discounts do not apply to the entire cost. Some only apply to individual premiums such as medical payments or collision. So even though you would think you would end up receiving a 100% discount, you aren’t that lucky.

Auto insurance companies that may offer most of these discounts include:

Check with all the companies which discounts can lower your rates. Depending on the company, some discounts might not be offered on policies in your area.

Which policy gives me the best coverage?

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

For example, these questions can aid in determining whether your personal situation could use an agent’s help.

  • What is covered by UM/UIM coverage?
  • Can I rent a car in Mexico?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my nanny covered when driving my vehicle?
  • What is UM/UIM insurance?
  • How can I get my company to pay me more for my totalled car?
  • Is extra glass coverage worth it?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I pay less for low miles?
  • Is my 1996 Acura Integra covered for smoke damage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Insurance coverage considerations

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Insurance for medical payments – Med pay and PIP coverage provide coverage for expenses like hospital visits, surgery, doctor visits, chiropractic care and funeral costs. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – Liability insurance will cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as loss of income, legal defense fees, repair costs for stationary objects and medical services. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like damaging your car on a curb, colliding with another moving vehicle, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, damage from a tornado or hurricane and damage from getting keyed. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

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Shop smart and save

You just read many tips how you can get a better price on 1996 Acura Integra insurance. The key thing to remember is the more quotes you get, the better your comparison will be. Drivers may discover the lowest rates are with a smaller regional carrier.

Discount 1996 Acura Integra insurance is available from both online companies and from local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not offer rates over the internet and most of the time these smaller companies only sell coverage through independent agencies.

As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. Your objective should be to purchase plenty of coverage at the best cost and still be able to protect your assets.

More detailed insurance information can be read in the articles below: