2001 Acura CL Insurance Cost – 6 Tips to Save

Want the cheapest auto insurance rates for your Acura CL? Comparison shopping for cheaper auto insurance can seem to be hard for beginners to quoting and comparing prices online. Consumers have so many choices that it can easily be hard work to lower your prices.

The method we recommend to compare insurance rates in your area is to take advantage of the fact all the major auto insurance companies participate in online systems to provide you with free rate quotes. The only thing you need to do is provide a small amount of information including how you use your vehicles, your occupation, which vehicles you own, and whether your vehicle is owned or leased. That information is automatically sent to multiple insurance providers and they respond with quotes quickly.

To check rates for your car now, click here and enter your coverage details.

Cut your insurance rates with these six discounts

Insurance can cost an arm and a leg, but you might already qualify for some discounts that could help you make your next renewal payment. Certain credits will be shown at quote time, but less common discounts must be asked for prior to receiving the credit.

  • Safety Course Discount – Passing a course that instructs on driving safety could possibly earn you a 5% discount if your company offers it.
  • College Student Discount – Youth drivers who live away from home at college without a vehicle on campus may qualify for this discount.
  • Multi-Vehicle Discounts – Having primary and secondary vehicles with one company can reduce rates for all insured vehicles.
  • Mature Driver Discount – Drivers over the age of 55 are able to get better insurance rates on CL coverage.
  • Accident Free – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote compared to drivers who are more careless.
  • Early Signing – Some insurance companies provide a discount for signing up prior to your current policy expiration. This can save 10% or more.

Keep in mind that some of the credits will not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Companies and some of the discounts can be found below.

  • Farm Bureau offers premium reductions for youthful driver, good student, driver training, 55 and retired, renewal discount, safe driver, and multi-vehicle.
  • Liberty Mutual discounts include multi-car, newly married, good student, new graduate, new move discount, hybrid vehicle, and teen driver discount.
  • State Farm may offer discounts for Steer Clear safe driver discount, defensive driving training, multiple policy, anti-theft, driver’s education, and Drive Safe & Save.
  • Auto-Owners Insurance offers discounts including good student, multiple vehicles, teen driver, group or association, and company car.
  • GEICO offers discounts for seat belt use, multi-policy, membership and employees, anti-lock brakes, and military active duty.
  • SAFECO policyholders can earn discounts including bundle discounts, safe driver, multi-car, homeowner, drive less, accident prevention training, and teen safety rewards.

If you need low cost auto insurance quotes, ask every company the best way to save money. Some discounts may not be offered in your area. If you would like to choose from a list of insurers with the best discounts, follow this link.

You are unique and your car insurance should be too

When choosing the best car insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different.

For instance, these questions may help you determine if your situation might need an agent’s assistance.

  • Am I covered when delivering products for my home-based business?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I get a multi-policy discount?
  • Is my ex-spouse still covered by my policy?
  • Is my babysitter covered when using my vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is my 2001 Acura CL covered for flood damage?
  • Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form.

But the ad said I’d save 15% in 15 minutes!

GEICO, State Farm and Progressive regularly use television, radio, and online ads. They all state the claim that you can save just by moving your policy. That’s great but how can every company have lower policy pricing? It’s all in the wording.

Insurance providers quote their cheapest rates for the right customer that will add to their bottom line. A good example of a desirable insured might be over the age of 45, is a homeowner, and drives newer vehicles. Someone that fits those parameters will get the preferred auto insurance rates and will probably save when they switch companies.

Drivers who fall outside this stringent profile may be forced to pay higher rates and this results in the customer buying from a different company. The ad wording is “customers that switch” but not “all drivers who get quotes” save that much. That is how insurance companies can claim big savings. Different companies use different criteria so it’s extremely important to get a wide range of price quotes. It is impossible to predict the company that will have the best auto insurance rates.

Insurance coverage breakdown

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage

This provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, hitting a mailbox, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses like X-ray expenses, doctor visits, ambulance fees and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, falling objects and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

This coverage provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like structural damage, legal defense fees, loss of income and court costs. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Make a quick buck

When getting auto insurance quotes online, make sure you don’t skimp on coverage in order to save money. There have been many cases where an accident victim reduced full coverage and discovered at claim time that they should have had better coverage. Your strategy should be to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.

Drivers leave their current company for a variety of reasons including high rates after DUI convictions, not issuing a premium refund, questionable increases in premium or denial of a claim. Regardless of your reason, finding a new company can be easy and end up saving you some money.

We’ve covered a lot of techniques to compare 2001 Acura CL insurance rates online. The key thing to remember is the more providers you compare, the better likelihood of getting the cheapest auto insurance. Consumers could even find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

More information can be found on the following sites: