Consumers Find How to Pay Less for Acura Integra Insurance

Having to pay for overpriced Acura Integra insurance can overdraw your checking account and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to tighten up your finances.

Lots of insurance companies contend for your business, so it’s not easy to compare every company and uncover the absolute cheapest price

You need to compare prices once or twice a year since rates are adjusted regularly by insurance companies. Even if you think you had the lowest price for Integra insurance a couple years back you can probably find a better price now. So forget anything you know (or think you know) about auto insurance because we’re going to show you how to quote online to remove unneeded coverages and save money.

If you have car insurance now, you will be able to save some money using these techniques. Choosing the best insurance company for you is quite easy. But car owners need to have an understanding of the way companies price insurance differently and take advantage of how the system works.

Comprehensive Auto Insurance Comparison

Comparing auto insurance rates can take time and effort if you don’t utilize the most efficient way to do it. You could waste a few hours talking to local insurance agents in your area, or you could save time and use online quotes to get prices fast.

All the larger companies are enrolled in a marketplace where prospective buyers submit one quote, and each company can give them a price for coverage. This saves time by eliminating quote requests to each company. To enter your information into the quoting system, click here (opens in new window).

The only drawback to comparing rates this way is buyers cannot specifically choose which carriers to get quotes from. So if you want to choose specific providers to compare prices, we put together a list of auto insurance companies in your area. Click to view list.

Which method you use is up to you, but ensure you are comparing identical coverages and limits with each company. If your comparisons have different deductibles then you won’t be able to determine the best price for your Acura Integra. Quoting even small variations in coverages may result in large price differences. And when comparison shopping, having more price comparisons will enable you to find better pricing.

Is there truth in advertising?

Auto insurance companies such as GEICO, State Farm and Progressive consistently run television and radio advertisements. They all seem to say the same thing that you can save if you change to them. How does each company say the same thing?

Different companies can use profiling for the type of driver that makes them money. A good example of a preferred risk might be a mature driver, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile will get very good rates and is almost guaranteed to cut their rates substantially.<img class="alignright" style="padding-top:15px;" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/ci175-108.jpg" alt=" insurance quotes“/>

Potential customers who don’t qualify for the “perfect” profile will have to pay a more expensive rate which usually ends up with business not being written. Company advertisements say “customers who switch” not “everybody who quotes” save that much money. This is how insurance companies can advertise the savings. Because of the profiling, it’s extremely important to quote coverage with many companies. It is impossible to predict which auto insurance company will have the lowest rates.

Don’t overlook these discounts

Auto insurance companies do not advertise every available discount in a way that’s easy to find, so here is a list some of the best known and also the lesser-known auto insurance savings.

Military Rewards – Being on active duty in the military could mean lower rates.
Seat Belts Save – Requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
Multiple Vehicles – Buying insurance for multiple vehicles on the same auto insurance policy could earn a price break for each car.
Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.

Keep in mind that some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, auto insurance companies aren’t that generous.

What happened to insurance agents?

Certain consumers would prefer to visit with an insurance agent and that is a personal choice. The best thing about comparing rates online is you can get lower rates and still choose a local agent.

To make it easy to find an agent, after completing this quick form, the quote information is emailed to participating agents who will return price quotes to get your business. You don’t have to leave your house due to the fact that quote results will go to the email address you provide. It doesn’t get any easier! You’ll get the best rates without the usual hassles of price shopping.

Selecting an insurance company requires more thought than just the bottom line cost. Some important questions to ask are:

Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
Are they properly licensed to sell insurance in your state?
Is their price quote a firm figure or are their hidden costs?
How long has their agency been in business?
Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Is vehicle damage repaired with OEM or aftermarket parts?

Two types of car insurance agents

When looking for local agents, you need to know there are two different types of agents that differ in how they can insure your vehicles. Agents are either independent or captive.

Captive Agents

Captive agents can only place business with one company and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. They generally cannot provide prices from multiple companies so they are skilled at selling on more than just price. These agents are usually quite knowledgeable in insurance sales and that can be a competitive advantage.

Independent Agents

Independent agencies do not work for one specific company but rather can write business with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your agent can switch companies and you won’t have to switch agencies. When searching for an agent, we recommend you include multiple independent agents for maximum quote selection.

To view a full list of auto insurance agents, visit this page.

After getting good answers to these questions in addition to an acceptable price estimate, chances are good that you have found an auto insurance agent that is a good match to adequately provide auto insurance.

In Summary

As you restructure your insurance plan, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at the best price while not skimping on critical coverages.

We just covered a lot of ways to shop for Acura Integra insurance online. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. Drivers may discover the best prices are with the least-expected company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.

Low-cost Acura Integra insurance can be purchased from both online companies and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers may not provide the ability to get a quote online and these regional insurance providers work with independent agents.