Are you sick and tired of robbing Peter to pay Paul to pay high insurance rates every month? You are in the same boat as many other people. Big companies like State Farm, Progressive and Geico all claim big savings with TV and radio ads and it can be hard to not get sucked in by the cute commercials and find the best price available.
It’s a great practice to shop coverage around once or twice a year because prices tend to go up over time. Just because you had the best quotes on CL coverage a few years ago you will most likely find a better rate today. Block out anything you think you know about insurance because you’re going to get a crash course in the best way to save on insurance.
Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that many consumers don’t even know exist. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be manually applied before you get the savings.
Keep in mind that most discount credits are not given to the entire policy premium. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though it appears you would end up receiving a 100% discount, you’re out of luck.
The best insurance companies and a partial list of their discounts can be found below.
Before purchasing a policy, check with all the companies which discounts you may be entitled to. A few discounts may not apply to policies everywhere. To see a list of insurers with the best discounts, click this link.
Consumers get pounded daily by advertisements that promise big savings by Progressive, Geico, Allstate and State Farm. They all have a common claim that drivers can save some big amount if you move your policy.
How is it plausible that every one can sell you cheaper insurance coverage? This is the way they can do it.
Auto insurance companies give the cheapest rates for the type of customer that will be a good risk. One example of this type of risk profile might be described as a female over age 40, owns a home, and chooses high deductibles. A customer getting a price quote who fits that profile will probably get cheap rates and will save when they switch companies.
Consumers who don’t measure up to these criteria may be required to pay higher rates which usually ends up with business not being written. The trick companies use is to say “customers who switch” not “everyone who quotes” save the amount stated. That’s the way insurance companies can make those claims. This emphasizes why drivers should compare as many free car insurance quotes as you can. Because you never know the company that will give you lower rates than your current company.
When it comes to buying the best car insurance coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions might help in determining whether or not you would benefit from an agent’s advice.
If you can’t answer 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 want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.
Having a good grasp of your insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.
Coverage for liability
Liability insurance can cover damage or injury you incur to other’s property or people in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability can pay for claims like structural damage, attorney fees, emergency aid, court costs and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1999 Acura CL.
Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.
Collision insurance pays for damage to your CL resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against things like damaging your car on a curb, sideswiping another vehicle, hitting a parking meter, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.
This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as hitting a bird, damage from a tornado or hurricane and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance pay for immediate expenses such as hospital visits, ambulance fees, EMT expenses and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage
In this article, we presented a lot of ways to get a better price on 1999 Acura CL insurance. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from the smaller companies. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.
When buying insurance coverage, never skimp on coverage in order to save money. In many cases, someone dropped full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible for the lowest cost.
Discount 1999 Acura CL insurance can be purchased online and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies may not have online rate quotes and usually these smaller providers work with independent insurance agencies.
Lots of good stuff here. Live in the eastern part of Greensboro, NC. Can’t remember who all I quoted but I ended up saving about $30 each month. Liability only on my CL.
From Springfield, MA. Got car insurance rates from AIG Insurance, MetLife, and some smaller one I can’t remember the name of for my CL and I’m now saving $21 a month. Moved home policy as well.
I got quite a few price quotes for a 1999 Acura CL in Miami, FL. Ended up at darn near $90 every six months with American Family. I used their website to get prices. Next renewal I’ll just do liability.
Cheap is not always the best policy. I live in Columbia, SC. Checked online prices for a 1999 Acura CL. Ended up at about $90 savings annually. Went with Allstate. Left GEICO to switch. Got better coverage too.
Corporate greed I’m telling you. I’m in Miami, FL. Quoted quotes with Auto-Owners, Eastwood, and Sentry for my Acura and saved just over $60 a year. Liability only on my CL.
Cheap is relative. Got a quote with Nationwide for my Acura and saved about $100 a year. Left Encompass to switch. Might find lower rates online. I don’t have comp or collision coverage.