Compare 1997 Acura CL Car Insurance Cost

Want lower auto insurance rates for your Acura CL? Confused by the crazy number of auto insurance sources that you can choose from? Lot’s of other people are too. There are so many sources available that it can easily become a difficult challenge to find the perfect company for you.

It’s important to take a look at other company’s rates before your next renewal because prices go up and down regularly. Even if you think you had the lowest rates on CL coverage at your last renewal there may be better deals available now. Ignore everything you know about auto insurance because you’re going to get a crash course in one of the easiest ways to remove unneeded coverages and save money.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. This information will help educate you on how car insurance quotes work and some tricks to saving. But car owners can benefit by having an understanding of the way insurance companies market on the web and use this information to your advantage.

First Step: Get free auto insurance quotes

There are a variety of methods to compare auto insurance prices and some are more efficient than others. You can waste a few hours (or days) driving to local insurance agents in your area, or you can stay home and use the web for quick rates.

Most of the best insurance companies participate in a marketplace that allows shoppers to only type in their quote data once, and each company returns a competitive quote based on that information. This prevents consumers from doing quotation requests for every auto insurance company.

To enter your information into the quoting system, click to open in new window.

One minor caviat to doing it this way is buyers cannot specifically choose which insurance companies to receive prices from. If you would rather choose specific providers for rate comparison, we put together a list of companies who write auto insurance in your area. View list of insurance companies.

Take whichever approach you prefer, but be sure to compare the exact same coverage limits and deductibles with every price quote. If you are comparing different liability limits it will be next to impossible to determine which rate is truly the best. Just a small difference in insurance coverages may result in large price differences. And when comparing auto insurance rates, know that comparing more rates from different companies increases the change that you will find better pricing.

Verify you’re getting every discount

Some insurers don’t always list every disount available very clearly, so the list below details some of the best known in addition to some of the lesser obvious credits available to bring down your rates.

• ABS Braking Discount – Cars with ABS and/or traction control are safer to drive and the ABS can save up to 10%.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up can save a little off the medical payments premium.
• Multiple Vehicles – Having multiple cars on the same insurance coverage policy can reduce the rates for all insured vehicles.
• Driving Data Discount – Insureds who allow data collection to study their driving habits by using a telematics device in their vehicle like Allstate’s Drivewise might see lower rates if they show good driving skills.
• Home Ownership Discount – Being a homeowner can save you money because it is proof that your finances are in order.
• Theft Deterent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you can get free auto insurance, you aren’t that lucky.

Insurance companies who may offer most of the discounts above are:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

When getting free insurance coverage quotes, it’s a good idea to every prospective company how you can save money. All car insurance discounts may not be offered in your area. If you would like to see a list of insurance coverage companies that can offer you the previously mentioned discounts, click here to view.

When should I discuss my situation with an agent?

When buying adequate coverage, there is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that might point out whether your personal situation would benefit from professional advice.

• How much liability insurance is required?
• Do I really need UM/UIM coverage?
• Why am I required to buy high-risk coverage?
• Does my policy cover my teen driver if they drive my company car?
• Do I need medical payments coverage since I have good health insurance?
• Can I pay claims out-of-pocket if I buy high deductibles?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverage considerations

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for chiropractic care, ambulance fees and funeral costs. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Liability coverages – This coverage provides protection from damage that occurs to other people or property by causing an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things like repair costs for stationary objects, court costs, attorney fees and loss of income. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, damage from a tornado or hurricane, damage from getting keyed, hitting a bird and vandalism. 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 consider removing comprehensive coverage.

Collision coverages – This coverage will pay to fix damage to your CL resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, backing into a parked car, damaging your car on a curb, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.