2001 Acura CL Insurance Quotes

One last thing about discounts, most discount credits are not given the the whole policy. Most only reduce the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

Larger auto insurance companies and some of their more popular discounts are:

• State Farm discounts include passive restraint, good driver, student away at school, Drive Safe & Save, and multiple autos.
• Esurance may have discounts that include defensive driver, emergency road assistance, safety device, Pac-12 alumni, DriveSense, claim free, and online shopper.
• Progressive offers discounts for online quote discount, multi-policy, online signing, homeowner, good student, continuous coverage, and multi-vehicle.
• Liberty Mutual offers discounts including good student, safety features, teen driver discount, new vehicle discount, hybrid vehicle, newly married, and newly retired.
• Auto-Owners Insurance policyholders can earn discounts including company car, air bags, paid in full, multiple vehicles, multi-policy, anti-lock brakes, and mature driver.
• Geico includes discounts for five-year accident-free, membership and employees, good student, anti-lock brakes, daytime running lights, and multi-vehicle.

It’s a good idea to ask every insurance company to give you their best rates. Some of the earlier mentioned discounts may not apply to policies in your state. To see providers offering auto insurance discounts, follow this link.

You can change your insurance premiums

Lots of things are part of the equation when you quote your car insurance policy. Some are obvious like an MVR report, but others are more obscure such as whether you are married or your vehicle rating.

The list below includes most of the major factors used by companies to determine your rate level.

• File car insurance claims and pay more – If you file claims often, you can expect increased rates or even have your policy non-renewed. Car insurance companies award lower rates to drivers that do not abuse their auto insurance. Insurance coverage is intended to be relied upon for the large, substantial claims.
• Teen driver insurance premiums – Young drivers tend to be easily distracted behind the wheel and because of this, their car insurance rates are much higher. Mature drivers are viewed as being more responsible, cause fewer claims and accidents .
• Bundle policies with the same company – Most insurance companies will give a discount to customers who buy several policies from them in the form of a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even with this discount, consumers should still shop around to verify if the discount is saving money.
• Prices impacted by your city – Having an address in less populated areas is a good thing when it comes to car insurance. Fewer people means fewer accidents in addition to lower liability claims Drivers in populated areas regularly have more road rage incidents and longer commute times. More time on the road means a statistically higher chance of an accident.

When should I discuss my situation with an agent?

When choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique and your policy should reflect that. For example, these questions could help you determine whether you might need an agent’s assistance.

• Is borrowed equipment or tools covered if stolen or damaged?
• Is my business laptop covered if it gets stolen from my vehicle?
• Why does it cost so much to insure a teen driver?
• Am I covered if I hit my neighbor’s mailbox?
• What is no-fault insurance?
• What is the minimum liability in my state?
• When do I need to add a new car to my policy?
• If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Well known brands might not be cheapest

Popular auto insurance providers such as State Farm and Allstate seem to constantly run ads on TV and radio. All the companies say the same thing that people will save if you just switch your coverage to them. How does every auto insurance company save you money? Just pay attention to how they say it.

Most companies quote the lowest rates for the type of customer that will most likely be profitable. A good example of this type of risk profile might be over the age of 40, has never had a policy lapse, and has a high credit rating. A propective insured who fits that profile receive the lowest rate quotes and is almost guaranteed to save a lot if they switch.

Insureds who do not meet these standards will probably be forced to pay a higher premium and this can result in business not being written. The trick is to say “customers that switch” not “everyone who quotes” save that much. That is how companies can truthfully claim big savings. This really drives home the point why it’s extremely important to compare free auto insurance quotes often. It is impossible to guess the company that will have the best premium rates.

Insurance specifics

Having a good grasp of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by insurance companies.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for expenses for things like rehabilitation expenses, surgery, ambulance fees, dental work and pain medications. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, a broken windshield and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance – Liability coverage protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like attorney fees, emergency aid and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2001 Acura CL.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision – This covers damage to your CL from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with another moving vehicle, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Smart shoppers get results

Cheaper insurance coverage can be purchased online in addition to local insurance agencies, and you should compare price quotes from both to have the best selection. Some companies do not provide the ability to get quotes online and many times these regional insurance providers sell through local independent agencies.

When shopping online for insurance coverage, it’s a bad idea to buy poor coverage just to save money. In too many instances, an insured cut comprehensive coverage or liability limits only to regret that it was a big error on their part. The goal is to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.

You just read many ideas to shop for 2001 Acura CL insurance online. The key concept to understand is the more times you quote, the better likelihood of getting inexpensive auto insurance. You may be surprised to find that the most savings is with some of the lesser-known companies. Some small companies may have significantly lower rates on certain market segments compared to the large companies like State Farm or Progressive.

Additional learning opportunities

• Teen Driving Statistics (iihs.org)
• A Tree Fell on Your Car: Now What? (Allstate)
• Vehicle Insurance in the U.S. (Wikipedia)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)