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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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

If you’re looking for more affordable insurance, do you get overwhelmed by the sheer number of car insurance providers? consumers have such a large number of options that it can really be a ton of work to lower your prices.

It’s a good habit to get comparison quotes before your policy renews because insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best rate on Integra coverage two years ago you can probably find a lower rate today. There is too much inaccurate information about car insurance on the web, but in just a couple of minutes you can learn the best ways to lower your car insurance premiums.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have car insurance, you will be able to cut costs considerably using these methods. Nevertheless, car owners do need to know how companies price insurance differently and use this information to your advantage.

Verify you’re earning every discount

Insurance can cost an arm and a leg, but you can get discounts to reduce the price significantly. Certain credits will be shown at the time of purchase, but some must be requested specifically before you get the savings.

  • Own a Home – Owning a house can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Distant Student – College-age children who live away from home to go to college without a vehicle on campus can be insured at a reduced rate.
  • Payment Method – If you can afford to pay the entire bill instead of paying each month you can avoid monthly service charges.
  • Defensive Driver – Passing a course teaching safe driver skills is a good idea and can lower rates if you qualify.
  • Early Signing – Some insurance companies reward drivers for switching companies early. Ten percent is about the average savings.
  • Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Policy Bundle Discount – When you combine your home and auto insurance with the same company they may give you a discount of approximately 10% to 15%.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Large insurance companies and the discounts they provide are:

  • GEICO has savings for emergency military deployment, daytime running lights, membership and employees, anti-theft, driver training, multi-vehicle, and air bags.
  • SAFECO may have discounts that include accident prevention training, safe driver, multi-car, anti-theft, homeowner, and drive less.
  • State Farm has discounts for safe vehicle, defensive driving training, good driver, accident-free, Drive Safe & Save, passive restraint, and multiple policy.
  • MetLife offers premium reductions for multi-policy, good driver, claim-free, good student, defensive driver, and accident-free.
  • 21st Century offers discounts including driver training, early bird, theft prevention, defensive driver, good student, and 55 and older.
  • Progressive includes discounts for multi-vehicle, continuous coverage, good student, online quote discount, multi-policy, homeowner, and online signing.

Before buying, ask each company or agent which discounts you may be entitled to. Depending on the company, some discounts may not be offered in your area. To choose insurers that offer multiple discounts, click here to view.

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

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How to lower your auto insurance cost

When comparison shopping, there are several ways to compare rate quotes from many available auto insurance companies in your state. The easiest way to comparison shop consists of shopping online. This is quite simple and can be completed in a couple minutes as outlined below.

  1. The best way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This form saves time by eliminating repetitive form entry to each individual auto insurance company. In just a few minutes this one form gets insurance cost estimates from multiple companies. It’s the fastest way to compare.
  2. A harder way to find better pricing requires a visit to the website for each individual company to complete their respective quote request forms. For instance, we’ll assume you are doing a rate comparison from Progressive, State Farm and Liberty Mutual. You would have to navigate to each company’s site and repeatedly enter your information, which can be really labor intensive.

    For a list of companies in your area, click here.

  3. The most difficult way to get price estimates to different agent offices. Comparing rate quotes online makes this process obsolete unless you require the advice and guidance that only an agent can give. It is possible with some companies find lower rates online but still have the advice of a local agent.

Compare rates however you want, just double check that you are using identical deductibles and coverage limits on every quote. If you compare different deductibles it will be very difficult to decipher which rate is best. Quoting even small variations in insurance coverages or limits could skew the results. Keep in mind that making a lot of price comparisons will enable you to find better pricing. Some regional insurers cannot provide rate quotes online, so you should also compare rates from those companies as well.

When should I discuss my situation with an agent?

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether your personal situation could use an agent’s help.

  • Which companies will insure high-risk drivers?
  • Why do I need rental car insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if hit by an uninsured driver?
  • Am I covered if I drive in a foreign country?
  • Am I covered when driving in Canada or Mexico?
  • Does coverage extend to my business vehicle?
  • Should I drop comprehensive coverage on older vehicles?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverage specifics

Knowing the specifics of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Acura Integra.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses like EMT expenses, hospital visits, X-ray expenses, nursing services and pain medications. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, colliding with another moving vehicle, damaging your car on a curb, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability coverage

This provides protection from damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people. Liability 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. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims like repair costs for stationary objects, structural damage and pain and suffering. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, damage from getting keyed, damage from flooding and hitting a deer. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

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

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More quotes mean more savings

We’ve covered a lot of information how to save on 1999 Acura Integra insurance. The key thing to remember is the more you quote insurance coverage, the better chance you’ll have of finding low cost insurance coverage. Consumers could even find that the lowest premium rates are with some of the lesser-known companies.

Drivers switch companies for a variety of reasons including delays in paying claims, an unsatisfactory settlement offer, high rates after DUI convictions and lack of trust in their agent. It doesn’t matter why you want to switch finding a new company can be pretty painless.

When you buy insurance coverage online, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where consumers will sacrifice liability coverage limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at the lowest possible cost while still protecting your assets.

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