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 an Acura Integra can turn out to be a painful process, but you can learn a few tricks to find lower rates.

There are both good and bad ways to shop for insurance coverage and we’ll show you the best way to quote coverages for a new or used Acura and obtain the best price possible either online or from local insurance agents.

You should make it a habit to get comparison quotes yearly since rates are usually higher with each renewal. Even if you think you had the best deal for Integra coverage two years ago you can probably find a lower rate today. You can find a lot of information about insurance coverage online, but in this article, you’re going to get the best ways to lower your insurance coverage rates.

Buy insurance online

Performing a rate comparison can take hours if you don’t understand the easiest way. You can spend your afternoon driving to insurance companies in your area, or you could use online quotes to maximize your effort.

Many of the larger companies participate in a marketplace that enables customers to only type in their quote data once, and each company then returns a price quote determined by their information. This prevents consumers from doing quotation requests to each individual insurance company.

To enter your information into the quoting system, click here to open in new window.

The only downside to comparing rates this way is you can’t choose the companies you want pricing from. So if you want to select individual companies to request quotes from, we have a page of companies who write insurance in your area. Click here to view list.

The approach you take is up to you, just double check that you are using apples-to-apples coverage data with every price quote. If you use different coverage information then you won’t be able to determine which rate is truly the best.

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

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Car insurance companies are expert advertisers

Drivers can’t get away from ads that promise big savings for switching by companies like Progressive, Allstate and GEICO. They all advertise the message that drivers can save some big amount if you change your policy.

How can each company make the same claim? You have to listen carefully.

Car insurance companies offer their best rates for the type of driver that earns them a profit. For instance, this type of risk profile may need to be a married female, has a clear driving record, and does not commute to work. A propective insured who fits that profile receives the best prices and as a result will probably save a lot of money.

Consumers who fall short of those criteria will be quoted higher premiums and ends up with the driver buying from a lower-cost company. The wording the ads use say “drivers who switch” not “everyone who quotes” save that much money. That is how companies can truthfully make the claims of big savings.

Each company has different criteria, so you should compare quotes as often as possible. It’s just too difficult to predict the company that will fit you best based on your risk profile.

Why your insurance rates might be higher

When buying auto insurance it’s important to understand the factors that are used to determine the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that will entitle you to big savings.

The items below are just a few of the factors used by insurance companies to determine your rate level.

  • Liability insurance is important – Your policy’s liability coverage provides coverage in the event that you are determined to be liable for causing damage or personal injury in an accident. This coverage provides legal defense which can be incredibly expensive. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • City traffic equals higher prices – Having an address in a rural area may provide you with better prices when talking about auto insurance. People who live in big cities regularly have more auto accidents and more severe claims. Less people living in that area means less chance of accidents as well as less vandalism and auto theft.
  • Never allow your auto insurance policy to lapse – Allowing your coverage to lapse is a sure-fire way to increase your renewal premiums. And not only will your rates increase, failure to provide proof of insurance will get you a revoked license or a big fine.
  • Raise comp and collision deductibles and save – Physical damage deductibles state the amount of money the insured will be required to pay if a covered claim is submitted. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of covered claims are rearending another vehicle, fire damage, and damage caused by road hazards. The higher the amount the insured is willing to pay, the less money you will pay for auto insurance for Integra coverage.
  • Save by driving cars with good safety ratings – Safer cars tend to have lower insurance rates. Safe vehicles reduce the chance of injuries and lower rates of occupant injuries means your insurance company pays less and thus lower rates. If your Acura Integra scored better than four stars on or an “acceptable” rating on you may be receiving a better rate.
  • Having a spouse reduces risk – Having a significant other helps lower the price when buying auto insurance. Having a spouse usually means you are more financially stable and it’s statistically proven that drivers who are married file infrequent claims.

Save with these premium-slashing discounts

Some providers do not advertise all available discounts in a way that’s easy to find, so the following is a list of a few of the more well known in addition to some of the lesser obvious car insurance savings.

  • Claim-Free Discount – Drivers who stay claim-free are rewarded with significantly better rates on insurance quote as opposed to insureds who have frequent claims or accidents.
  • Driver Training Discounts – Passing a course in safe driver could earn you a small percentage discount and make you a better driver.
  • Multi-Vehicle Discounts – Purchasing coverage when you have several vehicles on the same car insurance policy can get a discount for every vehicle.
  • College Student – Older children who are enrolled in higher education away from home and do not have access to a covered vehicle could qualify for this discount.
  • Online Discount – Some of the larger companies will give a small break for completing your application on the web.
  • First Accident Forgiveness – This one is not really a discount per se, but some insurance companies will allow you to have one accident without raising rates so long as you are claim-free prior to being involved in the accident.
  • Low Mileage Discounts – Low annual miles can earn cheaper rates.
  • Discounts for Government Workers – Employees or retirees of the government could cut as much as 10% off for Integra coverage with a few car insurance companies.
  • Driver Education Discount – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Senior Citizen Rates – Drivers that qualify as senior citizens may qualify for lower premium rates for Integra coverage.

Discounts save money, but please remember that some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like all the discounts add up to a free policy, that’s just not realistic.

Popular car insurance companies and some of the discounts are outlined below.

  • Progressive has discounts for homeowner, online signing, online quote discount, multi-vehicle, multi-policy, continuous coverage, and good student.
  • The Hartford may include discounts for air bag, vehicle fuel type, good student, anti-theft, and driver training.
  • Mercury Insurance includes discounts for low natural disaster claims, age of vehicle, good student, multi-policy, multi-car, ease of repair, and location of vehicle.
  • GEICO offers discounts for seat belt use, daytime running lights, driver training, five-year accident-free, anti-theft, and military active duty.
  • AAA offers discounts including AAA membership discount, good driver, pay-in-full, multi-policy, education and occupation, and multi-car.
  • State Farm may offer discounts for Drive Safe & Save, anti-theft, Steer Clear safe driver discount, driver’s education, and safe vehicle.

It’s a good idea to ask every prospective company what discounts are available to you. Depending on the company, some discounts might not apply in your state.

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

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Do I need special coverages?

When it comes to choosing coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique.

These are some specific questions could help you determine whether or not you will benefit from professional help.

  • Is my dog or cat covered if injured in an accident?
  • Why do I only qualify for high-risk insurance?
  • Is my trailer covered?
  • Is extra glass coverage worth it?
  • When would I need rental car insurance?
  • At what point should I drop full coverage?
  • Am I covered when delivering products for my home-based business?
  • How can I get my company to pay me more for my totalled car?

If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Information about specific coverages

Learning about specific coverages of car insurance can help you determine the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Liability insurance – Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things such as emergency aid, structural damage, loss of income, repair costs for stationary objects and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, hitting a deer and fire damage. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2001 Acura Integra.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like funeral costs, prosthetic devices, rehabilitation expenses, ambulance fees and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision – Collision coverage pays for damage to your Integra resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, backing into a parked car, crashing into a building, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

The best insurance company isn’t always the cheapest

You just learned a lot of techniques to reduce 2001 Acura Integra insurance premium rates online. The most important thing to understand is the more quotes you get, the better likelihood of getting the cheapest insurance. You may even find the best premium rates are with some of the smallest insurance companies.

The cheapest 2001 Acura Integra insurance is available on the web and from local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance coverage companies don’t offer rate quotes online and these regional carriers prefer to sell through local independent agencies.

As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut full coverage only to find out that they should have had better coverage. The proper strategy is to get the best coverage possible for the lowest cost while not skimping on critical coverages.

Additional detailed information can be found at these sites: