2003 Acura CL Insurance Cost – 10 Tips for Best Prices

Are you sick and tired of not being able to scrape enough together to pay auto insurance each month? You’re in the same situation as many other consumers. You have so many car insurance companies to pick from, and although it’s nice to be able to choose, more options can take longer to get the best deal.

It’s a great practice to do price comparisons on a regular basis because rates are rarely the same from one policy term to another. Just because you found the lowest rate for CL coverage six months ago a different company probably has better prices today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the quickest way to get good coverage at a lower rate.

More affordable rates by getting these ten discounts

Some providers don’t always list all disounts very clearly, so below is a list some of the more common in addition to some of the lesser obvious discounts that you may qualify for.

  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off the PIP or medical payment premium.
  • Homeowners Pay Less – Being a homeowner can get you a discount because of the fact that having a home requires a higher level of personal finance.
  • Discount for Life Insurance – Select insurance carriers reward you with a break if you buy life insurance.
  • Save over 55 – If you’re over the age of 55, you may qualify for a small decrease in premiums for CL coverage.
  • Data Collection Discounts – Policyholders that allow their company to monitor where and when they drive through the use of a telematics system like Allstate’s Drivewise could possibly reduce rates if they exhibit good driving behavior.
  • Policy Bundle Discount – If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • One Accident Forgiven – This one is not really a discount per se, but companies like GEICO and Allstate allow you one accident before your rates go up if you have no claims prior to being involved in the accident.
  • Payment Method – If you pay your entire premium ahead of time rather than spreading payments over time you could save 5% or more.
  • Discount for New Cars – Buying a new car instead of a used car can be considerably cheaper because newer models are generally safer.
  • Driver’s Education for Students – It’s a good idea to have your young drivers participate in a local driver’s education class in high school.

It’s important to note that some credits don’t apply to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. So when the math indicates all those discounts means the company will pay you, it’s just not the way it works.

Companies that possibly offer these benefits include:

When getting a coverage quote, ask each company or agent which discounts can lower your rates. Some credits may not apply in your area. If you would like to view insurance companies with significant discounts, click here.

First Step: Get free insurance coverage quotes

Getting cheaper 2003 Acura CL insurance coverage pricing isn’t really that difficult. All that’s required is to spend a few minutes comparing price quotes online from several insurance companies. You can get a good selection of rate quotes in just a few minutes using one of these methods.

  1. The first (and easiest) way consumers can analyze rates is a comparison rater form like this one (opens in new window). This type of form keeps you from doing separate quotation requests for every company. Filling out one form gets prices estimates from several companies.
  2. A more time consuming way to find more affordable insurance is to take the time to go to each individual company website and repeat the quote process. For sake of this example, let’s say you are doing a rate comparison from Auto-Owners, Allstate and State Farm. To get rate quotes you would need to visit each site and enter your policy data, which explains why we recommend starting with the first method.

    For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just be certain you are entering apples-to-apples quote information on every quote. If you enter mixed coverages it’s impossible to make a fair rate comparison.

Your insurance coverage should be tailored to you

When buying proper insurance coverage, there really is not a one size fits all plan. Every situation is different so your insurance needs to address that. For instance, these questions may help you determine if your insurance needs will benefit from professional help.

  • When should I buy a commercial auto policy?
  • What is the ISO rating for a 2003 Acura CL?
  • Why am I required to buy high-risk coverage?
  • Do I need rental car coverage?
  • What is an SR-22 filing?
  • Am I covered if hit by an uninsured driver?
  • I have a DUI can I still get coverage?
  • How many claims can I have before being cancelled?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Car insurance 101

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages available from auto insurance companies.

Collision coverage

Collision insurance will pay to fix damage to your CL resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a building, sideswiping another vehicle, crashing into a ditch, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses like rehabilitation expenses, ambulance fees, pain medications, doctor visits and X-ray expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, vandalism, rock chips in glass, damage from getting keyed and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance

Liability coverage will cover damage or injury you incur to other’s property or people in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like funeral expenses, emergency aid, bail bonds and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage

This provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your 2003 Acura CL.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Be a penny pincher

Cost effective 2003 Acura CL insurance can be found both online and from local agencies, so you should compare both to get a complete price analysis. There are still a few companies who do not provide internet price quotes and most of the time these regional insurance providers only sell through local independent agencies.

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced liability coverage limits and discovered at claim time that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage for the lowest cost while still protecting your assets.

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