Compare 2023 Acura Integra Car Insurance Quotes in 2024

If you’re shopping for more affordable insurance online, are you frustrated by the dozens of auto insurance companies in your area? Lot’s of other drivers are too. You have so many companies to choose from that it is a big hassle to find the lowest price.

It is always a good idea to compare rates before your policy renews since prices tend to go up over time. Even if you think you had the lowest quotes on Integra coverage last year there may be better deals available now. You’ll find quite a bit of inaccurate information about auto insurance online, but in this article, you’re going to get some great ideas on how to reduce your auto insurance bill.

Compare car insurance rates

To find the best car insurance quotes, there are several ways to compare rate quotes from car insurance companies in your area. The fastest way to find affordable 2023 Acura Integra insurance rates is to get quotes online. This is very easy and can be done by using one of the methods below.

• The simplest way to find low rates is an all-inclusive rate comparison. This type of form prevents you from having to do separate quotation requests for each company you want a rate for. Just one form will return price quotes instantly. This is perfect if you don’t have a lot of time.
• Another way to shop for car insurance online requires you to visit each company’s website and fill out their own quote form. For examples sake, we’ll pretend you want to compare rates from Nationwide, Progressive and Farmers. You would need to go to every website to enter your coverage information, which can get rather old.

It’s your choice how you get your quotes, but try to keep the same information on every quote you get. If you are comparing different limits and deductibles on each one it will be nearly impossible to truly determine the lowest rate. Slightly different coverage limits could throw off the whole comparison. And when quoting car insurance, remember that getting more free quotes helps you find the best rates. Not every company provides quotes online, so it’s important to also get quotes from the smaller companies as well.

Earn discounts to get lower-cost insurance coverage quotes

Companies don’t always list all discounts in a way that’s easy to find, so the following list contains a few of the more well known and also the more inconspicuous ways to save on insurance coverage.

• Homeowners Savings – Owning a home can help you save on insurance coverage because maintaining a house requires a higher level of personal finance.
• Drive Less and Save – Fewer annual miles on your Acura may enable drivers to earn slightly better prices than normal.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts can save 10% or more on medical payment and PIP coverage.
• Memberships – Being a member of a civic or occupational organization is a good way to get lower rates on your policy.
• Good Students Pay Less – Maintaining excellent grades can earn a discount of 20% or more. The discount lasts up until you turn 25.
• Resident Student – Kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
• Discounts for Multiple Vehicles – Buying a policy with several vehicles on a single policy may reduce the rate for each vehicle.
• New Vehicle Savings – Buying a new car instead of a used car can save up to 30% compared to insuring an older model.
• Federal Employees – Having worked for a branch of the government could provide a small rate reduction on Integra coverage with select insurance companies.

We need to note that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, you won’t be that lucky.

Some companies that have most of the discounts above include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

When quoting, ask every prospective company which credits you are entitled to. Depending on the company, some discounts might not be offered in your area. To choose insurers with discount insurance coverage rates, enter your zip code here.

Tailor your car insurance coverage to you

When choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different.

These are some specific questions could help you determine if your insurance needs might need professional guidance.

• When should my teen driver be added to my policy?
• Does coverage extend to a rental car in a foreign country?
• Does my policy cover my teen driver if they drive my company car?
• Where can I get insurance after a DUI in my state?
• Where can I find high-risk insurance?
• Do I need roadside assistance coverage?
• How do I buy GAP insurance?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete your zip code.

Decisions you make can impact your insurance costs

Many things are considered when you quote your car insurance policy. Some are obvious like an MVR report, but others are not as apparent such as your credit history or how financially stable you are.

• Is your vehicle theft-ready? – Owning a car that has an advanced theft prevention system can help lower your premiums. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft and help lower rates.
• Rental and towing coverage may not be needed – There are a lot of extra add-on coverages that can add up on your auto insurance policy. Coverages for coverage for rental cars, towing, and additional equipment coverage may be wasting your money. These coverages may sound good when deciding what coverages you need, but if you don’t need them eliminate the coverages to reduce your premium.
• Rates can drop if you have more than one policy – The majority of auto insurance companies will award lower prices to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even if you qualify for this discount already, it’s in your best interest to check prices from other companies to confirm you are receiving the best rates possible.
• Auto insurance policy lapses increase rates – Driving any period of time without insurance is a big no-no and you may have a hard time finding new coverage because you let your insurance expire. Not only will you pay more, failure to provide proof of insurance can result in a fine, jail time, or a revoked license. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
• File policy claims and pay more – Companies give most affordable rates to policyholders who do not file claims often. If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Insurance coverage is designed for claims that you cannot pay yourself.
• Your location is a factor – Choosing to live in less populated areas of the country is a good thing when it comes to auto insurance. Less people means fewer accidents in addition to lower liability claims Drivers who live in large cities have more auto accidents and more time behind the wheel. More time commuting means a statistically higher chance of an accident.
• Annual mileage impacts rates – Driving a lot of miles annually the higher the price you pay to insure it. Almost all companies apply a rate based upon how much you drive. Cars and trucks not used for work or commuting receive lower rates than vehicles that have high annual mileage. It’s always a good idea to double check that your declarations sheet is rated on how each vehicle is driven. An incorrectly rated Integra may be costing you higher rates.
• Improve your credit history and save – Having a bad credit score is a large factor in calculating your auto insurance rates. Insureds with high credit ratings tend to be better risks to insure than drivers with poor credit scores. If your credit rating is lower than you’d like, you could pay less to insure your 2023 Acura Integra by improving your credit score.

Drivers who switch save $487 a year? Really?

Big name companies like Progressive, Allstate and GEICO continually stream ads in print and on television. They all make the point of big savings just by switching your policy. How does each company claim to save you money? It’s all in the numbers.

Insurance providers have strict underwriting profiles for the type of customer that earns them the most money. For instance, a profitable customer may need to be between 30 and 50, has few claims, and drives less than 10,000 miles a year. Any customer that matches those criteria receives the best rates and will probably cut their rates if they switch.

Potential insureds who may not quite match this ideal profile will get a more expensive rate and this can result in the driver buying from a lower-cost company. The trick companies use is to say “customers that switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way companies can truthfully advertise the savings.

This really illustrates why drivers must compare many company’s car insurance rates. Because you never know which company will have the lowest rates for your situation.

Auto insurance coverage information

Learning about specific coverages of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Liability coverages

This protects you from injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like attorney fees, repair costs for stationary objects and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family 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. Normally your uninsured/underinsured motorist coverages are set the same as your liability limits.

Collision coverage protection

This covers damage to your Integra 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 coverage pays for things such as hitting a parking meter, damaging your car on a curb, driving through your garage door, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, damage from flooding, rock chips in glass, hitting a bird and vandalism. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Med pay and PIP coverage pay for short-term medical expenses like dental work, rehabilitation expenses, hospital visits and pain medications. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

What is YOUR best insurance company?

As you quote car insurance, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where someone dropped full coverage only to discover later that it was a big error on their part. Your focus should be to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.

We’ve covered many tips how you can lower your 2023 Acura Integra insurance auto insurance rates. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your premium rates. Drivers may discover the best auto insurance rates are with a smaller regional carrier.

Affordable 2023 Acura Integra insurance can be sourced online and from local insurance agents, so you need to quote car insurance with both to have the best chance of lowering rates. Some insurance companies don’t offer online price quotes and these smaller companies only sell through independent agencies.