Cheapest 1998 Acura Integra Insurance Rates in 2023
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UPDATED: Jun 2, 2023
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Shoppers have many options when shopping for low-cost Acura Integra insurance. They can either waste time contacting agents to compare prices or utilize the internet to find the lowest rates.
There are both good and bad ways to find car insurance online and we’ll show you the quickest way to get price quotes for your Acura and obtain the best price possible either online or from local insurance agents.
It’s smart to take a look at other company’s rates occasionally because insurance rates are constantly changing. Despite the fact that you may have had the best deal for Integra insurance a year ago other companies may now be cheaper. Forget all the misinformation about car insurance because you’re about to find out one of the quickest ways to reduce your cost while improving coverage.
If you are insured now or are looking for a new policy, you can use this information to get lower rates while maximizing coverage. This article will familiarize you with the most effective way to quote insurance and some tricks to saving. Vehicle owners just need to learn the proper methods to compare rates on the web.
Cut your insurance coverage rates with discounts
Insurance can cost an arm and a leg, but you may find discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be specially asked for before you get the savings. If you’re not getting every credit possible, you’re just leaving money on the table.
- Fewer Miles Equal More Savings – Driving fewer miles can earn lower rates on the low mileage vehicles.
- Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could save 15% off your medical payments premium.
- One Accident Forgiven – Certain companies permit an accident before your rates go up so long as you haven’t had any claims for a certain period of time.
- Anti-theft System – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
- More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
- Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
It’s important to understand that most credits do not apply the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, companies don’t profit that way. But all discounts will cut your overall premium however.
A partial list of companies who might offer these money-saving discounts are:
- Farmers Insurance
- State Farm
Check with every prospective company what discounts are available to you. Savings may not be available in your area.
You are unique and your insurance coverage should be too
When it comes to choosing proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.
These are some specific questions may help you determine if your situation would benefit from professional advice.
- What are the financial responsibility laws in my state?
- Which companies will insure high-risk drivers?
- Where can I find DUI or SR-22 insurance?
- Does insurance cover damages from a DUI accident?
- Am I covered when using my vehicle for business?
- How do I file an SR-22 for a DUI in my state?
- Am I covered when pulling a rental trailer?
- Does medical payments coverage apply to all occupants?
- Is my dog or cat covered if injured in an accident?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
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Can you really save $416 a year?
Consumers can’t ignore all the ads for car insurance savings from companies such as Progressive, Allstate and GEICO. They all say the same thing that you can save if you change your policy.
How do they all make the same claim? It’s all in the numbers.
All the different companies have a preferred profile for the type of customer that makes them money. An example of a preferred risk could possibly be between 25 and 40, is a homeowner, and has excellent credit. A propective insured who meets those qualifications receives the best rates and is almost guaranteed to cut their rates substantially.
Drivers who don’t qualify for the “perfect” profile will be charged higher rates and ends up with business going elsewhere. The ads state “drivers who switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can make those claims.
That is why you need to quote coverage with many companies. It’s not possible to predict which insurance companies will provide you with the cheapest Acura Integra insurance rates.
Insurance coverage considerations
Learning about specific coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.
Coverage for medical payments – Coverage for medical payments and/or PIP kick in for bills for hospital visits, funeral costs, rehabilitation expenses, dental work and doctor visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Liability auto insurance – Liability coverage will cover damage or injury you incur to people or other property that is your fault. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims like medical services, legal defense fees and structural damage. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.
Collision coverage – This will pay to fix damage to your Integra resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like driving through your garage door, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.
Comprehensive coverages – This will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for claims such as falling objects, vandalism and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage 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. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.
What is YOUR best insurance company?
When trying to cut insurance costs, it’s very important that you do not reduce needed coverages to save money. Too many times, an insured cut liability coverage limits and found out when filing a claim that it was a big mistake. Your strategy should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.
Discount 1998 Acura Integra insurance can be found on the web as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and these smaller companies work with independent agents.
We just presented a lot of techniques to reduce insurance prices online. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the lowest priced insurance comes from the least-expected company.
- Drunk Driving Statistics (Insurance Information Insitute)
- Car Insurance: When not to Skimp (BankRate.com)
- Understanding Limits and Deductibles (Allstate)
- Your Car has been Stolen: Now What? (Allstate)
- How to Avoid Buying a Flooded Car (Insurance Information Insitute)
Frequently Asked Questions
How can I find the cheapest insurance for my 1998 Acura Integra?
Finding affordable insurance for a 1998 Acura Integra involves several factors. You can consider the following steps to potentially lower your insurance costs:
- Shop around and compare quotes from multiple insurance providers.
- Opt for higher deductibles, which can reduce your premium.
- Maintain a good driving record and avoid accidents or traffic violations.
- Consider bundling your auto insurance with other policies like home insurance for potential discounts.
- Inquire about available discounts such as safe driver discounts or discounts for installing anti-theft devices.
Remember, insurance rates can vary based on your location, driving history, coverage needs, and other factors. It’s always recommended to reach out to insurance providers directly to get personalized quotes.
Are older cars like the 1998 Acura Integra generally cheaper to insure?
In general, older cars like the 1998 Acura Integra can be cheaper to insure compared to newer vehicles. This is because older cars typically have a lower market value, which can result in lower premiums. However, insurance rates depend on various factors, including the car’s safety features, repair costs, and the frequency of theft for that particular make and model. It’s advisable to consult with insurance providers to get accurate quotes for your specific situation.
What type of insurance coverage should I consider for my 1998 Acura Integra?
When determining insurance coverage for your 1998 Acura Integra, it’s important to comply with your state’s minimum requirements. However, it’s generally recommended to consider additional coverage options to protect yourself and your vehicle adequately. Common coverage options include:
- Liability coverage: This covers damages or injuries you may cause to others in an accident.
- Collision coverage: This covers repairs or replacement costs for your vehicle in case of a collision, regardless of fault.
- Comprehensive coverage: This covers damages to your vehicle resulting from non-collision incidents, such as theft, vandalism, or natural disasters.
- Uninsured/Underinsured motorist coverage: This provides protection if you’re involved in an accident with a driver who has insufficient insurance coverage. It’s essential to assess your needs, budget, and the value of your car to determine the coverage that suits you best. Consulting with insurance professionals can help you make an informed decision.
Are there any specific factors that might affect the insurance cost for a 1998 Acura Integra?
Yes, several factors can influence the cost of insurance for a 1998 Acura Integra. These factors include:
- Age and driving history: Younger drivers or those with a history of accidents or traffic violations may face higher premiums.
- Location: Rates can vary based on where you live, including factors like crime rates, traffic congestion, and accident statistics in your area.
- Annual mileage: The more you drive, the higher the insurance premium may be, as there’s a higher risk of accidents.
- Vehicle modifications: If you’ve made modifications to your Acura Integra, such as adding performance enhancements or customizations, it could impact your insurance rates.
- Insurance history: If you’ve had gaps in insurance coverage or previous claims, it may affect your premium. Remember, insurance providers have their own unique rating systems, so rates can vary. It’s advisable to reach out to insurance companies directly for accurate quotes based on your specific circumstances.
Are there any discounts available for insuring a 1998 Acura Integra?
Insurance providers often offer various discounts that may apply to insuring a 1998 Acura Integra. Some common discounts to inquire about include:
- Safe driver discounts: If you have a clean driving record without any accidents or traffic violations, you may be eligible for a discount.
- Multi-policy discount: Bundling your auto insurance with other policies, such as home or renter’s insurance, with the same provider can often lead to a discount.
- Anti-theft device discount: Installing security features like alarms, immobilizers, or tracking devices in your Acura Integra can qualify you for a discount.
- Good student discount: If you’re a student and maintain good grades, you may be eligible for a discount.
- Defensive driving course discount: Completing a defensive driving course can sometimes earn you a discount on your insurance premium. It’s important to note that discounts may vary among insurance providers, so it’s recommended to inquire about available discounts when obtaining insurance quotes.
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