Cut your Acura Integra Insurance Rates in Five Minutes
If comparing car insurance was easy, most of us would do it more often. But we always seem to pay too much for coverage and most people would rather go to the dentist. You might feel the same pain when having to pay the bill on your Acura Integra.
Step One: Compare Multiple Rates
If you haven't priced insurance for awhile, you may still think that the only way to compare rates is to drive around town to multiple insurance offices and meet with an agent. Welcome to the NEW way to buy car insurance!
Comparing insurance rates for a Acura Integra only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
Compare rates now by clicking the link below. In just a few minutes you'll have a good idea of what insurance will cost for your Acura Integra.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Integra is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: Techniques to Lower your Integra Insurance Rates
After completing step one above, you can now learn some of the other ways to slash your Integra insurance costs.
- Cheap insurance rates and high performance don't usually mix. If low rates are your goal, the Acura Integra is probably not the best vehicle due to it's above average performance.
- Ask your insurance company if there is a discount for completing a driver's safety course. It may get you up to a 10% discount at your next renewal.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- Zero to 60 is pretty fast in with a Integra, but having this extra power will cost you in the form of a bigger insurance bill.
- Every parent dreads the day when their teenager gets added to their policy. If you are a teenager, or if you have one on your policy, expect to pay significantly more each year.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
- Consider raising your comprehensive and collision deductibles if you carry full coverage. By accepting more risk yourself, your car insurance company will cut you a break on your physical damage premiums.
- Air bags, antilock brakes, traction control, and stability control all help lower the cost of insurance due to reducing the risk of injury in an accident.
- If you think the only financial impact of a speeding ticket is a fine and court costs, think again. Insurance companies will raise your rates for up to three years for a single ticket.
- Letting your car insurance expire without having new coverage in place is called a "lapse" and will cause your next policy premiums to be higher.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
Step Three: Choose the Right Company for You
Car insurance is pretty easy to buy online, but you do need to be aware that it is a legally binding contract. You need to have funds available for a down payment as well as review your coverages for any insufficiencies.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
If the Acura Integra is a new purchase and you haven't had car insurance before, make sure you have coverage in place before driving off the lot. If you have other vehicles already covered, then you will have coverage for the new vehicle. Most car insurance companies will extend coverage to newly purchased vehicles, but only up to the limits of the best insured vehicle. So if you only carry liability insurance and no physical damage coverage, your new purchase will be inadequately insured until you specifically add it to the policy with full coverage.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. If you qualilfy as a high-risk driver after being convicted of a DUI, reckless driving or driving on a suspended license, you may be required to file an SR-22 with your state's DMV. Be sure your new car insurance company is aware of this filing requirement.
Additional Learning Resources
The Insurance Information Institute is the industry authority for consumer car insurance information.
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