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: Jan 13, 2018

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Searching for the cheapest car insurance rates for your Acura Integra? Finding cheap premium rates for car insurance is challenging for people who are new to comparing prices online. Consumers have so many agents and companies to choose from that it can easily be a real difficult job to find the perfect company for you.

It’s important to shop coverage around quite often due to the fact that insurance prices change frequently. Just because you found the best deal for Integra coverage six months ago you will most likely find a better rate quote today. Forget all the misinformation about car insurance because you’re about to learn the proper way to find great coverage at a great price.

The quickest method we recommend to compare insurance rates from multiple companies is to understand almost all companies participate in online systems to provide you with a free rate quote. The only thing you need to do is provide the companies a bit of rating information such as whether you drive to work or school, how much school you completed, if it has an anti-theft system, and if your license is active. Those rating factors is then submitted to multiple auto insurance providers and you get price estimates instantly to find the best rate.

To compare rates for your Acura Integra now, click here and enter your zip code.

Insurance discounts help reduce rates

Companies don’t always publicize every discount very well, so the following list contains some of the best known and also the lesser-known ways to save on insurance.

  • Discount for Low Mileage – Maintaining low annual mileage can earn cheaper prices.
  • Save with More Vehicles Insured – Purchasing coverage when you have multiple vehicles with one company can get a discount on all vehicles.
  • Defensive Driver Discount – Taking part in a course teaching safe driver skills may get you a small discount and easily pay for the cost of the class.
  • No Accidents – Insureds with no claims or accidents can earn big discounts as opposed to policyholders that have many claims.
  • Telematics Data – Insureds who allow their insurance company to analyze driving manner by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as the data is positive.

Just know that most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think all the discounts add up to a free policy, you’re out of luck.

If you would like to choose from a list of companies who offer online insurance quotes, click this link.

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

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Why your insurance premiums might be higher

Many different elements are considered when pricing auto insurance. A few of the factors are predictable such as traffic violations, but other criteria are less apparent like your continuous coverage or your financial responsibility.One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that help determine the price you pay for auto insurance. If you understand what controls the rates you pay, this helps enable you to make changes that may result in lower auto insurance prices.

  • Big cities mean more claims – Choosing to live in areas with lower population is a good thing when talking about auto insurance. Fewer drivers translates into fewer accident claims and a lower car theft rate. People in densly populated areas have to deal with more traffic problems and more severe claims. Higher commute times can result in more accidents.
  • Credit score impacts premiums – Credit history is a big factor in determining premium rates. People that have very good credit scores tend to be less risk to insure than drivers who have lower credit scores. If your credit rating can use some improvement, you could be paying less to insure your 1998 Acura Integra by repairing your credit.
  • No coverage gaps is important – Driving your car without having proper coverage is not a good idea and you may have a hard time finding new coverage because you let your insurance coverage expire. Not only will you pay higher rates, failure to provide proof of insurance will get you a revoked license or a big fine. You may need to file a SR-22 with your state motor vehicle department.
  • Incidental coverages push up costs – There are a lot of extra add-on coverages that sound like a good idea at the time if you don’t pay attention. Add-on coverages like vanishing deductibles, towing, and extra equipment coverage are probably not needed. These may sound like a good investment initially, but if you’ve never needed them in the past remove them from your policy.
  • Liability insurance claims can be big – Liability coverage will afford coverage when you are ruled to be at fault for personal injury or accident damage. Your liability coverage provides legal defense up to the limits shown on your policy. It is affordable coverage compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Which is the best insurance?

When buying coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that might point out if you would benefit from an agent’s advice.

  • How much can I save by bundling my policies?
  • Is my Acura Integra covered if I use it for business?
  • When should I not file a claim?
  • How many claims can I have before being cancelled?
  • Which is better, split liability limits or combined limits?
  • Can I afford to buy a different vehicle if my 1998 Acura Integra is totaled?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.

Auto insurance companies are expert advertisers

Progressive, Allstate and GEICO constantly bombard you with ads in print and on television. They all make the same claim about savings if you get a free car insurance quote and switch to their company. How does every company give you a lower rate?

All companies have a preferred profile for the type of driver that earns them the most money. For instance, a profitable insured may need to be a married male, carries high limits, and chooses high deductibles. Anybody who fits that profile may get the lowest premium rates and will also save a lot if they switch.

Potential customers who don’t meet the “perfect” profile will probably be forced to pay a higher premium which translates to business not being written. The trick is to say “drivers that switch” not “all people who quote” can get the lowest rates when switching. This is how companies can truthfully state the savings. This really emphasizes why you need to compare price quotes frequently. It’s just not possible to know which insurance companies will have the best car insurance rates at this point in time.

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

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Auto insurance coverages

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, fire damage and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses for things like dental work, nursing services, ambulance fees and surgery. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage


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

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as repair bills for other people’s vehicles, bail bonds, structural damage and court costs. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Collision insurance

Collision insurance will pay to fix damage to your Integra from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like driving through your garage door, colliding with a tree, rolling your car, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Pennies from heaven

Drivers change insurance companies for many reasons like lack of trust in their agent, an unsatisfactory settlement offer, high rates after DUI convictions or even poor customer service. It doesn’t matter what your reason, finding a new company can be easier than you think.

Throughout this article, we presented many ways to lower your 1998 Acura Integra insurance premium rates. It’s most important to understand that the more companies you get prices for, the better likelihood of getting cheap car insurance. You may even find the best premium rates are with a small mutual company.

Some insurance providers do not offer the ability to get a quote online and usually these regional carriers only sell coverage through independent agents. Low-cost 1998 Acura Integra insurance is definitely available both online in addition to local insurance agencies, so compare prices from both to have the best rate selection.

More information can be found at the links below