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Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!

Navigating the Tides of Auto Insurance: Mid-Year Shift or New Year Flip?

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Contemplating a mid-year 2023 switch for your auto insurance, or should you hold your horses till 2024? The query is as relevant as it is complex, tied to a medley of factors ranging from the perspectives of the insured and insurer, the governing state, and a multitude of figures involving prices, deductibles, premium fixation, and bonuses.

The 31-year-old insured in this example lives in Pangburn and owns a Acura Integra. His car insurance currently costs him $1,050 annually; however he hopes to reduce that amount by about $309 dollars and get it down to around $741 per year. One of the reasons why this insured is paying approximately $88 per month for auto insurance is, among other things, that he has a poor credit score. The required savings on the annual insurance should thus reach approximately 29%. Let's see if it's real.

An actual case study:

To be specific, the average car insurance rates in Pangburn (72121) are around $889 annually. The difference between the average rates in this area and what the mentioned client is paying is $-161.
  • I have had tickets and accidents in the last 3 years
  • I am married (lower insurance rates)
  • I have a low credit score (increases insurance rates)
  • I will drive many miles
Customer RatesYour Rates
Current auto insurance rates $1,050 Your Rates?
Expected auto insurance rates:$741 Your Rates?
Annual savings:$309 Your Savings?
In Arkansas, it is essential to be aware of the ideal amount for car insurance. The Minimum Bodily Injury Liability per person should be set at a minimum of $25,000, limits for Accident Property Damage liability are set at $50,000; however, if there are multiple people injured in an accident, the Minimum Bodily Injury Liability must reach up to $25,000 per incident. Complying with the legal insurance limits is necessary to keep your car insurance in Pangburn valid.
Without adhering to these set restrictions, you may find yourself without a policy that would protect you against collisions or other accidents.
Minimum coverage limits are the legal requirements set by each state for how much insurance coverage you must purchase. These minimums may include Bodily Injury Liability, Property Damage Liability, Personal Injury Protection (PIP), and Uninsured/Underinsured Motorist Coverage.
Coverage TypeMinimum Coverage
Bodily injury liability

per person in Pangburn (72121)

$25,000
Bodily injury liability

per accident in Pangburn (72121)

$50,000
Property damage liability

per accident in Pangburn (72121)

$25,000
Below you can watch a video dedicated to either car insurance for the Acura Integra in Arkansas, Pangburn (72121) or a review of this vehicle.

SOLVED:

Acura Integra car insurance for 31 year old in Pangburn (72121)

How Insurers See It: From Stable Premiums to Variable Bonuses

Insurers' Angle

Insurers, such as State Farm, Allstate, or Geico, typically have a stable premium pricing policy, regardless of the date of policy initiation. A mid-year switch might not yield substantial savings in that regard. However, let's take a deeper dive.

  • State Farm, for example, charges an average of $1,520 for an annual premium for a Honda Accord, regardless of the policy start date.
  • Allstate prices its annual auto insurance policy for a Toyota Camry at an average of $1,410, without significant changes linked to the policy's inception date.

The point of difference could be in the bonuses. Insurers often roll out attractive bonuses at the start of the year, making it potentially beneficial to switch at the beginning of 2024.

The Perspective of the Insured: Playing the Prices and Deductibles Game

Insured's Dilemma

For the insured, prices and deductibles are the deciding factors. The cost to insure a Ford F-150 in New York City, for example, could be quite different from insuring a Tesla Model S in Los Angeles.

Here's a snapshot of average annual premiums for some popular models across two diverse cities:

Vehicle New York City Los Angeles
Ford F-150 $2,010 $1,950
Toyota Corolla $1,820 $1,740
Chevrolet Silverado 1500 $2,140 $2,060

Consider that insurers tend to adjust their rates based on the accumulated claims data. Hence, if you live in a high-risk location, it might be wise to monitor the claims data for your area before deciding to switch.

Decoding Deductibles

Deductibles also play a significant role in the equation. A higher deductible could lead to lower premiums, making a mid-year switch cost-effective if the insured is willing to shoulder more out-of-pocket risk. However, it's vital to consider the potential repair costs that come with high-deductible plans.

State Mandates and Regulations: The External Control Knobs

Each state has different regulations that govern auto insurance. In California, for instance, insurers cannot calculate rates based on gender or marital status, while Texas law allows it. This can significantly impact the coverage rates you're offered when switching insurers.

For instance, a single, 30-year-old male driving a Toyota RAV4 might find different premiums when switching between Texas and California due to these regulations. It's crucial to be aware of these factors when contemplating a change in your car insurance.

In Conclusion: A Personalized Decision

There's no definitive "best time" to switch your auto insurance. The decision to switch mid-year 2023 or wait for 2024 depends on a constellation of factors: coverage needs, premiums, deductibles, car insurance rates, bonuses, and state regulations.

The key lies in researching your options, understanding your needs, and making an informed, personalized decision. Whether you're insuring a Ford Mustang Mach-E or a Honda Civic, the road to affordable, comprehensive auto insurance lies open. Don't hesitate to explore, compare, and get quotes to navigate your way to the perfect plan.


Diverse Scenarios: A Deep Dive into Auto Insurance Change in Mid-2023

Exploring the possible outcomes of changing your auto insurance mid-year in 2023 provides a fascinating array of scenarios. To understand the dynamics of such a shift, we'll delve into six hypothetical yet realistic cases, each involving distinct variables such as the insured's credit score, driving history, vehicle type, and more.

Scenario 1: Stellar Credit, Spotless Record, Luxury Vehicle

The Perfect Insured

The holder of a Tesla Model S decides to switch insurance mid-year. With a 780 credit score and no accidents or tickets, this holder can expect substantial savings.

Old Premium New Premium
$3,800 $3,500

The shift results in $300 of savings. However, if the holder waited for 2024, he could benefit from bonuses, potentially increasing the savings to $400.

Scenario 2: Average Credit, Few Tickets, Family Car

The Balanced Equation

The insured drives a Honda Accord, has a credit score of 640 and a couple of speeding tickets. A mid-year switch might bring minor savings.

Old Premium New Premium
$2,500 $2,400

However, the $100 savings might not offset the potential benefits of waiting until 2024 to switch.

Scenario 3: Poor Credit, DUI on Record, Sporty Sedan

The Risky Business

A driver with a Ford Mustang Mach-E, a 520 credit score, and a DUI conviction decides to switch mid-year.

Old Premium New Premium
$5,500 $6,200

Unfortunately, the switch leads to a higher premium due to the risk factor associated with the DUI conviction. In this case, it would be advisable to wait until 2024 or until the DUI no longer impacts the premium.

Scenario 4: Excellent Credit, Multiple Accidents, SUV

The Accident-Prone

Our next insured drives a Toyota RAV4, boasts an 810 credit score but has been in three accidents in the last two years.

Old Premium New Premium
$3,100 $3,300

Switching in mid-2023 results in an increased premium due to the recent accidents. Waiting until 2024 or taking a defensive driving course might be better options.

Scenario 5: Average Credit, Clean Record, High Performance Vehicle

The Fast and the Frugal

This insured, who drives a Chevrolet Silverado 1500 and has a credit score of 670 with no tickets or accidents, decides to switch mid-2023.

Old Premium New Premium
$2,300 $2,100

In this case, switching proves beneficial, providing $200 in savings. However, further savings could be achieved by waiting until 2024, considering potential bonuses.

Scenario 6: Stellar Credit, Poor Driving Record, Compact Car

The Cautious Daredevil

Our final case involves a driver with a Toyota Corolla, a credit score of 800, but with several speeding tickets.

Old Premium New Premium
$2,200 $2,400

Switching insurers mid-2023 proves costly due to the poor driving record. Waiting until 2024, or focusing on improving driving habits, could lead to better outcomes.

Scenario 7: Teen Driver, Good Student, Safe Compact Car

The Young Scholar

A 17-year-old, with good grades and a Toyota Corolla, decides to switch their insurance mid-2023.

Old Premium New Premium
$3,500 $3,300

Switching mid-year leads to $200 in savings, thanks to good student discounts. However, potential bonuses might increase the savings in 2024.

Scenario 8: Young Adult, Full-Time Worker, Sedan

The Up and Comer

A 23-year-old full-time worker, driving a Honda Civic, is contemplating an insurance switch in mid-2023.

Old Premium New Premium
$2,200 $2,000

The switch offers a $200 saving due to a good credit score and clean driving record. Waiting for 2024 might bring an additional loyalty bonus.

Scenario 9: Middle-aged Driver, SUV, Safe Driver

The Experienced Driver

A 40-year-old with no tickets or accidents, driving a Chevrolet Silverado 1500, considers switching.

Old Premium New Premium
$1,800 $1,700

Switching mid-2023 results in $100 savings, but holding off until 2024 might offer better long-term discounts due to a spotless driving record.

Scenario 10: Senior Citizen, Reduced Driving, Compact Car

The Golden Years

A 70-year-old, driving less often in a Toyota Camry, contemplates a mid-year switch.

Old Premium New Premium
$1,400 $1,300

Switching in 2023 saves $100 due to reduced driving, but waiting until 2024 might offer additional senior discounts.

Scenario 11: Disabled Driver, Modified Vehicle, Mid-Size Car

The Adaptive Cruiser

A driver with a disability, operating a modified Ford F-150, contemplates switching in mid-2023.

Old Premium New Premium
$2,000 $2,300

This driver sees a rise in premiums due to the cost of insuring the vehicle modifications. Waiting until 2024 might offer more options for discounts on adaptive equipment.

Scenario 12: Stay-at-Home Mom, Mini-Van, Infrequent Driver

The Careful Carrier

A stay-at-home mom, driving her kids in a Honda CR-V, considers a mid-year switch.

Old Premium New Premium
$1,900 $1,800

Switching in 2023 results in $100 savings due to her infrequent driving. However, she might secure a more significant reduction in 2024, leveraging potential bonuses or discounts for safe drivers.


Comprehensive summary of all the scenarios discussed:

Scenario Insured Profile Vehicle Old Premium New Premium Savings Advice
1 Stellar Credit, Spotless Record Tesla Model S $3,800 $3,500 $300 Consider waiting for 2024 for potential bonuses
2 Average Credit, Few Tickets Honda Accord $2,500 $2,400 $100 Potential benefits of waiting until 2024
3 Poor Credit, DUI on Record Ford Mustang Mach-E $5,500 $6,200 - $700 Advisable to wait until 2024 or until the DUI no longer impacts the premium
4 Excellent Credit, Multiple Accidents Toyota RAV4 $3,100 $3,300 - $200 Waiting until 2024 or taking a defensive driving course might be better
5 Average Credit, Clean Record Chevrolet Silverado 1500 $2,300 $2,100 $200 Potential further savings by waiting until 2024
6 Stellar Credit, Poor Driving Record Toyota Corolla $2,200 $2,400 - $200 Waiting until 2024 or improving driving habits could be better
7 Teen Driver, Good Student Toyota Corolla $3,500 $3,300 $200 Potential bonuses might increase the savings in 2024
8 Young Adult, Full-Time Worker Honda Civic $2,200 $2,000 $200 Waiting for 2024 might bring an additional loyalty bonus
9 Middle-aged Driver, Safe Driver Chevrolet Silverado 1500 $1,800 $1,700 $100 Waiting until 2024 might offer better long-term discounts
10 Senior Citizen, Reduced Driving Toyota Camry $1,400 $1,300 $100 Waiting until 2024 might offer additional senior discounts
11 Disabled Driver, Modified Vehicle Ford F-150 $2,000 $2,300 - $300 Waiting until 2024 might offer more options for discounts on adaptive equipment
12 Stay-at-Home Mom, Infrequent Driver Honda CR-V $1,900 $1,800 $100 Potential for a more significant reduction in 2024 for safe drivers

The table summarizes the old and new premium prices, the savings or additional costs related to the switch, and advice for each scenario.

Car Insurance Premiums by Company - Annual Rates

Which insurer offers the most advantageous annual car insurance in the area with the postal code 72121?

Are you looking for a great and cost-effective Acura, Integra car insurance in 72121, Arkansas, Pangburn (72121)? Below is a comprehensive list of highly rated auto insurers who offer the most affordable rates. On average, it can total up to around $889 per annum or only about $74 monthly in 2024. On average, auto insurance for a Acura, Integra in Pangburn (72121) will cost you Approx. $800 annually. Due to the fact that there is no offer from ERIE in this location, you can try other regional insurers, or take a look at offers from Allstate ($533 on average for an annual policy), GEICO ($667 yearly) and others (see table below). If you're a responsible driver over 25 years old, look for the "lowest rates" column instead of the "average rates", and reap the benefits of lower prices. Autoowners is another local auto insurance provider with average annual policy rates around $453. Auto-Owners also offers one of the cheapest liability-only car insurance in 72121, at $23 per month. The table below shows both the lowest possible prices in the area and the average annual Acura, Integra insurance premium in Pangburn .
These prices are determined by the typical auto insurance rates for a Acura, Integra in Pangburn (72121). However, other factors such as age, credit score rating, driving record or marital status have an influence on these costs too. Please note that we do not collaborate with any company and receive no commissions from them whatsoever.
Insurance CompanyLowest RatesAcura, Integra in Pangburn (72121)
ERIE $293Not available in Pangburn (72121)
Auto-Owners $272$408 Get Quotes Agents Call
Allstate $320$480 Get Quotes Agents Call
American Family $320Not available in Pangburn (72121)
Farmers $373$560 Get Quotes Agents Call
GEICO $400$600 Get Quotes Agents Call
Liberty Mutual $427$640 Get Quotes Agents Call
Nationwide $454$680 Get Quotes Agents Call
Progressive $480$720 Get Quotes Agents Call
State Farm $507$760 Get Quotes Agents Call
Travelers $560$840 Get Quotes Agents Call
USAA $587$880 Get Quotes Agents Call

How deductibles affect your Acura, Integra rates in Pangburn (72121)?

The amount of your deductible can significantly affect the cost of your insurance premium.

If you own a Acura, Integra increasing your car insurance deductible to $1000 could mean saving up to 22% on collision and comprehensive coverage! This would result in an annual premium of approximately $624 if you are a Pangburn (72121) resident. Nonetheless, even if $100 is more suitable for your budget right now - choosing this deductible can still offer some savings off the policy's total cost each year (about 2%), leaving only around $784 in yearly payments or roughly $65 monthly. On average, selecting the typical $500 deductible will result in a cost of $544 for collision and $136 for comprehensive coverage. It all boils down to finding a balance between what is best for your budget and how much risk you're willing to assume. Choosing $2,000 as your deductible on this Acura, Integra model would give you an estimated annual collision coverage of around $333 while the comprehensive premium will hover just under 83 dollars.
This table provides an analysis of the cost between Acura, Integra collision and comprehensive premiums in Pangburn (72121) based on the amount of your deductible. It's more budget-friendly to set a higher deductible for collision coverage, since it comprises almost three times as much of the premium cost when compared to comprehensive insurance. Conversely, you'll want to select a low deductible for your extensive coverage in order to save even more money.
Your DeductibleCollision PremiumComprehensive Premium
Zero-deductible

Increases rates significantly

$704$176 Get Quotes
$100

2% deductibles discount

$627$157 Get Quotes
$200

5% deductibles discount

$608$152 Get Quotes
$300

9% deductibles discount

$582$146 Get Quotes
$500

15% deductibles discount

$544$136 Get Quotes
$1000

22% deductibles discount

$499$125 Get Quotes
$2000

48% deductibles discount

$333$83 Get Quotes

Compare car insurance quotes for all Acura Integra trim levels

Discover the average Acura Integra car insurance prices for your specific location by selecting a model and its trim level below, then click "Your Rates" to view annual insurance costs. With our 2001 Acura Integra coverage calculator, you can get an accurate estimate of what it will cost to insure one of these vehicles!
Choose the exact trim variant of your car for detailed car insurance quotes.
Year Model & Trim Average Annual Rates
2001 Acura Integra, LS

LS 4dr Sedan (1.8L 4cyl 5M)

$762 Details Get Quotes
2001 Acura Integra, LS

LS 4dr Sedan (1.8L 4cyl 4A)

$762 Details Get Quotes
2001 Acura Integra, GS

GS 4dr Sedan (1.8L 4cyl 5M)

$762 Details Get Quotes
2001 Acura Integra, GS

GS 4dr Sedan (1.8L 4cyl 4A)

$762 Details Get Quotes
2001 Acura Integra, GS-R

GS-R 4dr Sedan (1.8L 4cyl 5M)

$762 Details Get Quotes
2001 Acura Integra, GS

GS 2dr Hatchback (1.8L 4cyl 5M)

$762 Details Get Quotes
2001 Acura Integra, GS

GS 2dr Hatchback (1.8L 4cyl 4A)

$762 Details Get Quotes
2001 Acura Integra, LS

LS 2dr Hatchback (1.8L 4cyl 5M)

$627 Details Get Quotes
2001 Acura Integra, LS

LS 2dr Hatchback (1.8L 4cyl 4A)

$762 Details Get Quotes
2001 Acura Integra, GS-R

GS-R 2dr Hatchback (1.8L 4cyl 5M)

$762 Details Get Quotes
Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!

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