Finding low-cost insurance for a new or used Acura Integra can normally be a painful process, but you can learn a few tricks to save time.
There are both good and bad ways to find auto insurance online and we’ll show you the proper way to compare rates for a new or used Acura and locate the cheapest rates either online or from local insurance agents.
It’s smart to check auto insurance prices yearly due to the fact that insurance rates change frequently. Just because you found the best price six months ago there may be better deals available now. Ignore everything you know about auto insurance because you’re about to learn the proper way to properly buy coverages while reducing your premium.
If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. Finding the lowest cost protection is not that difficult. Nevertheless, car owners must know the way insurance companies price insurance differently and use this information to your advantage.
Take these seven discounts and save
The price of auto insurance can be rather high, but there could be available discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but a few need to be requested specifically before being credited.
- Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
- Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
- Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can get savings of 20% or more.
- Claim Free – Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.
- Save over 55 – If you’re over the age of 55, you may be able to get a small decrease in premiums.
- Driver Safety – Taking a course in driver safety could possibly earn you a 5% discount if your company offers it.
- No Charge for an Accident – A few companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
It’s important to note that some credits don’t apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, you’re out of luck. Any amount of discount will cut the amount you have to pay.
Is there deception in advertising?
Auto insurance companies such as Allstate and Progressive continually stream television and radio advertisements. They all seem to say the same thing about savings after switching your coverage to them. How do they all make almost identical claims? This is how they do it.
Different companies are able to cherry pick for the type of customer that makes them money. For example, a desirable insured could possibly be between 30 and 50, insures multiple vehicles, and chooses high deductibles. Any driver who fits that profile receives the best rates and is almost guaranteed to save when switching.
Drivers who don’t meet the “perfect” profile will have to pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much money. That’s the way companies can truthfully claim big savings.
Because of the profiling, it is so important to compare as many rates as you can. You cannot predict which auto insurance company will provide you with the cheapest rates.
Cheaper insurance is a realistic goal
Lower priced Acura Integra insurance can be purchased online as well as from independent agents, so you should be comparing quotes from both in order to have the best prices to choose from. Independent agents have access to many regional insurance providers that don’t always offer online price quotes.
Consumers change insurance companies for any number of reasons including policy cancellation, denial of a claim, high prices or even poor customer service. It doesn’t matter what your reason, finding the right auto insurance provider is easier than you think.
When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage for the lowest price.
