Cheaper 2002 Acura CL Insurance Quotes

Looking for the cheapest auto insurance rates for your Acura CL? Are you at wits end from not being able to scrape enough together to pay auto insurance each month? Your situation is no different than many other consumers. Due to the fact that there are so many different company options, it can be challenging to choose the most cost effective insurance company.

How to compare free car insurance quotes

Finding a better price on car insurance is an easy way to save money. The only thing you need to do is invest a little time comparing price quotes from some recommended companies. Comparing prices online can be done using a couple different methods.

  1. Experts agree that the best way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This style of form eliminates the need for separate quotes for each price estimate. One simple form gets you price quotes from several companies.
  2. Another way to find more affordable insurance requires visiting the website of each company and repeat the quote process. For sake of this example, we’ll pretend you want to see prices from USAA, Safeco and Travelers. You would have to go to every website and punch in your information repeatedly, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  3. The most time-consuming method to comparison shop is driving to insurance agencies in your area. Comparing rate quotes online makes this process obsolete unless you want the trained guidance of a licensed agent. If you prefer, some companies allow you to compare the best prices online but have your policy serviced through an agent.

Whichever method you choose, compare nearly identical information for every company. If you are comparing different deductibles it’s impossible to make a fair rate comparison.

Get cheaper rates with discounts

Companies don’t list every available discount very well, so the next list breaks down both the well known in addition to some of the lesser obvious discounts that you may qualify for.

  • Safety Course Discount – Completing a class that teaches defensive driving techniques may get you a small discount and easily pay for the cost of the class.
  • Save with More Vehicles Insured – Insuring more than one vehicle on the same car insurance policy could earn a price break for each car.
  • Air Bags and Passive Restraints – Cars that have air bags could see savings of 20 to 30 percent.
  • Early Signing – A few car insurance companies give discounts for buying a new policy early. This can save 10% or more.
  • Early Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Memberships – Belonging to qualifying clubs or civic groups could earn you a nice discount on your bill.
  • Mature Driver Discount – Older drivers could receive better car insurance rates for CL insurance.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Multi-policy Discount – If you can combine your auto and home policy with the same company you will save at least 10% off all policies.

Just know that most discount credits are not given the the whole policy. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way.

Companies and the discounts they provide include:

  • Mercury Insurance offers discounts for multi-car, multi-policy, annual mileage, location of vehicle, and anti-theft.
  • Farmers Insurance policyholders can earn discounts including pay in full, switch companies, teen driver, alternative fuel, and distant student.
  • Farm Bureau offers discounts including youthful driver, safe driver, multi-policy, good student, driver training, and renewal discount.
  • State Farm may include discounts for Steer Clear safe driver discount, good student, defensive driving training, multiple autos, accident-free, multiple policy, and student away at school.
  • Allstate has savings for good student, safe driver, premier discount, FullPay discount, teenSMART discount, farm vehicle, and multi-policy.
  • GEICO has discounts for multi-policy, membership and employees, driver training, anti-theft, and anti-lock brakes.

It’s a good idea to ask each company or agent which credits you are entitled to. All car insurance discounts may not be available in your area. To find car insurance companies that provide some of the discounts listed above, click here.

What is the best auto insurance coverage?

When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions may help highlight whether your personal situation will benefit from professional help.

  • Do I pay less if my vehicle is kept in my garage?
  • Where can I find DUI or SR-22 insurance?
  • Do I need an umbrella policy?
  • Should I rate my 2002 Acura CL as pleasure use or commute?
  • What is PIP insurance?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance 101

Having a good grasp of a insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average insurance policy.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for bills such as dental work, hospital visits, ambulance fees, pain medications and funeral costs. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability insurance

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as attorney fees, bail bonds, legal defense fees, loss of income and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from flooding, theft and a broken windshield. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision protection

This pays for damage to your CL caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, colliding with a tree, rolling your car, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.