1998 Acura CL Car Insurance Quotes – 10 Savings Tips

I doubt anyone is fond of buying car insurance, particularly when they could lower their rates if they shopped around.

Popular companies such as State Farm and GEICO constantly blast consumers with ads and it can be hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

If you currently have car insurance, you stand a good chance to be able to save some money using these methods. Choosing the best insurance company for you is not rocket science. But vehicle owners must learn how big insurance companies price insurance differently because it can help you find the best coverage.

Low cost car insurance prices

The majority of larger companies make it easy to get coverage price quotes on the web. Doing online price comparisons is fairly straightforward as you simply type in your required coverages as detailed in the form. Upon sending the form, their rating system pulls your credit score and driving record and quotes a price based on the data you entered. Quoting online simplifies rate comparisons, but the time required to go to a lot of sites and fill out multiple forms gets old quite quickly. But it’s also necessary to get many rate quotes in order to find a lower rate.

There is a better way to compare rates

An easier way to locate the lowest prices utilizes a single form that gets prices from more than one company. It’s a real time-saver, eliminates repetitive work, and makes online price comparison much easier. Once the form is submitted, your coverage is rated and you are able to buy any of the resulting price quotes. If a lower price is quoted, you can click and sign and purchase coverage. This process only takes a few minutes and may save quite a bit of money.

If you want to find out if lower rates are available, simply click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you complete the form with the coverages just like they are on your policy. This ensures you will be getting a price comparison using the exact same coverages.

Car insurance companies offer many discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that may help make it more affordable. Many discounts should be triggered at the time of purchase, but some must be asked for in order for you to get them.

  • Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less for CL insurance than less cautious drivers.
  • Good Grades Discount – Excelling in school may save you up to 25%. This discount can apply up until you turn 25.
  • Low Mileage Discounts – Driving less can earn better rates on cars that stay parked.
  • ABS Brakes – Vehicles with ABS braking systems or traction control prevent accidents and will save you 10% or more.
  • Save over 55 – Seniors are able to get a discount up to 10% for CL insurance.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off for CL insurance with a few car insurance companies.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and qualify for as much as a 10% discount.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can qualify for discounts as much as 30%.
  • Driving Data Discount – Drivers who agree to allow driving data collection to study driving patterns by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as they are good drivers.
  • Own a Home – Just being a homeowner may earn you a small savings since home ownership means you have a higher level of financial diligence.

Remember that some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

A list of car insurance companies and their offered discounts are detailed below.

  • State Farm discounts include Drive Safe & Save, safe vehicle, defensive driving training, driver’s education, good driver, and student away at school.
  • GEICO may have discounts that include daytime running lights, defensive driver, seat belt use, multi-vehicle, federal employee, anti-theft, and five-year accident-free.
  • SAFECO offers discounts including anti-lock brakes, homeowner, teen safe driver, teen safety rewards, and bundle discounts.
  • Farmers Insurance has discounts for business and professional, homeowner, distant student, youthful driver, electronic funds transfer, and switch companies.
  • AAA offers premium reductions for pay-in-full, good student, multi-policy, education and occupation, good driver, and anti-theft.
  • USAA has savings for new vehicle, multi-policy, loyalty savings, vehicle storage, military installation, and defensive driver.

Before purchasing a policy, check with every prospective company how you can save money. Some credits might not be offered on policies everywhere. For a list of car insurance companies who offer online car insurance quotes, click here.

Do I just need basic coverages?

When choosing adequate coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions might help in determining whether your personal situation might need an agent’s assistance.

  • What happens if I owe more than my 1998 Acura CL is worth?
  • I don’t drive much so do I pay less?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is a fancy paint job covered?
  • What can I do if my company won’t pay a claim?
  • Do I need replacement cost coverage on my 1998 Acura CL?
  • Are all vehicle passengers covered by medical payments coverage?
  • When do I need to add a new car to my policy?
  • Can my teen drive my company car?
  • Does liability extend to a camper or trailer?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Truth in insurance advertising

Respected companies like Progressive, GEICO, Allstate and State Farm consistently run television, radio, and online ads. All the companies seem to make the promise about saving some big amount if you change to their company. How does each company save you money? Here is the trick they use.

Insurance companies have specific guidelines for the type of customer that makes them money. One example of a profitable insured might be described as over the age of 45, owns a home, and insures a new vehicle. A propective insured that meets those criteria will get a cheap rate quote and will most likely cut their rates substantially.

Potential insureds who don’t qualify for the “perfect” profile will probably have to pay a higher rate which results in the customer buying from someone else. The ads say “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why companies can advertise the savings. Because of this risk profiling, it is so important to do a rate comparison at every renewal. Because you cannot predict with any certainty which company will fit your personal profile best.

Auto insurance coverage basics

Learning about specific coverages of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 1998 Acura CL.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses such as chiropractic care, hospital visits, prosthetic devices and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like driving through your garage door, sideswiping another vehicle, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability

Liability coverage can cover damage that occurs to people or other property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against things like emergency aid, court costs, legal defense fees and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto insurance

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from flooding, hail damage and theft. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Feed the piggy bank

Some insurance companies don’t offer the ability to get a quote online and usually these regional carriers only sell coverage through independent agents. Budget-conscious 1998 Acura CL insurance is definitely available online and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture.

As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. There are too many instances where drivers have reduced uninsured motorist or liability limits to discover at claim time that they should have had better coverage. Your goal should be to purchase plenty of coverage at the best price, but do not sacrifice coverage to save money.

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