2002 Acura CL Insurance Rates

Overpriced Acura CL insurance can deplete your family’s budget and require stricter spending habits.

Many insurers vie for your business, so it’s not easy to compare every insurer to find the lowest price

Consumers should take time to take a look at other company’s rates once or twice a year since prices are constantly changing. If you had the lowest price on CL coverage two years ago you can probably find a lower rate today. Ignore everything you know about car insurance because you’re going to get a crash course in the right way to save money, get proper coverage and the best rates.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these tips. Finding the best rates is not that difficult. Nevertheless, car owners must understand the methods companies use to sell insurance online and apply this information to your search.

Save money with these tips

It’s important that you understand a few of the rating criteria that play a part in calculating your insurance coverage rates. When you know what positively or negatively determines premiums, this enables informed choices that can earn you lower rates. Lots of factors are used when you quote your car insurance policy. Some are pretty understandable such as traffic violations, but others are less apparent such as whether you are married or your commute time.

• Is you job costing you more? – Did you know your occupation can influence how much you pay for insurance coverage? Jobs like doctorspolice officers and emergency personnel tend to have higher average rates because of intense work-related stress and extremely grueling work hours. Conversely, occupations such as professors, students and performers get better rates on CL coverage.
• Rates can drop if you have more than one policy – Many insurance companies give lower prices to people that buy multiple policies in the form of a multi-policy discount. Discounts can amount to ten percent or more. Even with this discount applied, consumers should still shop around to make sure you are getting the best deal.
• Safer vehicles are cheaper to insure – Safe vehicles tend to be cheaper to insure. The safest vehicles reduce the chance of injuries and fewer serious injuries translates directly to fewer claims which can mean better rates for you.
• Prices are affected by your address – Being located in less populated areas is a positive aspect if you are looking for the lowest rates. Less people living in that area means reduced accidents and a lower car theft rate. People in densly populated areas have to deal with much more traffic and longer commutes to work. Longer commute distances means a statistically higher chance of an accident.
• Marriage is a factor – Having a significant other can get you a discount on insurance coverage. Having a spouse demonstrates that you tend to be more mature and responsible and statistics show drivers who are married file infrequent claims.
• Liability coverage – Your insurance coverage policy’s liability coverage will provide protection if ever you are determined to be liable for causing damage or personal injury in an accident. Your liability coverage provides legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to comp and collision, so drivers should carry high limits.
• Credit score impacts costs – An insured’s credit score can be an important factor in determining your rates. If your credit is lower than you’d like, you could potentially save money when insuring your 2002 Acura CL if you improve your credit rating. Drivers with good credit tend to be better risks to insure as compared to drivers with worse credit.
• How many miles do you drive? – The more miles you rack up on your Acura annually the more it will cost to insure it. The majority of insurers rate vehicles based on how the vehicle is used. Autos that sit idle most of the time qualify for better rates than those that get driven frequently. Improper usage on your CL is just wasting money. Make sure your insurance coverage coverage is showing the correct usage.

Free insurance quotes

When shopping for insurance there are multiple ways of comparing rate quotes from companies that offer insurance in your state. The simplest method to find the cheapest 2002 Acura CL insurance rates is to jump online and get quotes. This is quite simple and can be completed in a couple of different ways.

1. If you’re in a hurry, the quickest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This quick form prevents you from having to do boring form submissions for each price estimate. One form gets you coverage quotes from multiple companies.
2. A harder way to find lower rates requires a trip to each company’s website and repeat the quote process again and again. For examples sake, we’ll assume you need rates from Liberty Mutual, Safeco and GMAC. You would need to spend time going to each site individually to input your insurance information, which can get old fast. For a list of links to companies insuring cars in your area, click here.
3. If you have time to kill, the last method to compare price estimates is to drive around to insurance agents’ offices. Quoting online makes this process obsolete unless you’re the type of person who wants the professional guidance of a local agency. If you prefer, some companies allow you to price shop online but have a local agent actually write the policy.

Compare rates however you want, just do your best to enter the same coverages and limits on every quote you get. If you use different data it’s not possible to make a fair comparison for your Acura CL. Just a small difference in insurance coverages may result in large price differences. Just keep in mind that comparing a large number of companies will increase your chances of finding more affordable insurance.

Ads can be misleading

Well-known auto insurance companies like Progressive, Allstate and Geico consistently run ads on television and other media. All the companies say the same thing about savings just by moving your coverage. How is it plausible that every one can sell you cheaper insurance coverage? This is the way they can do it.

All the different companies have specific guidelines for the type of customer that will generate a profit. For example, a desirable risk should be over the age of 50, has few claims, and drives less than 10,000 miles a year. Any new insured that fits those parameters is entitled to the best price and therefore will cut their rates if they switch.

Insureds who fall short of this ideal profile may receive a higher rate and this results in the customer not purchasing. If you pay close attention to the ads, they say “people that switch” but not “all drivers who get quotes” save the amount stated. That is how companies can truthfully advertise the savings.

Because each company has a different risk profile, you should compare rate quotes every year. Because you cannot predict which auto insurance company will have the best premium rates for your profile.

Earn discounts to get lower-cost car insurance rates

Car insurance is not an enjoyable expense, but companies offer discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time you complete a quote, but some must be asked for in order for you to get them. If you check and find you aren’t receiving every discount possible, you are paying more than you should be.

• Life Insurance Discount – If the company offers life insurance, you could get a break if you buy some life insurance in addition to your auto policy.
• Anti-theft Discount – Vehicles that have factory anti-theft systems are stolen with less frequency and will save you 10% or more.
• Safety Course Discount – Taking time to complete a class that teaches safe driver techniques could possibly earn you a 5% discount and easily recoup the cost of the course.
• Multi-Vehicle Discounts – Drivers who insure multiple cars or trucks on a single policy may reduce the rate for each vehicle.
• Accident Waiver – This one isn’t a discount, but some insurance companies will forgive one accident without raising rates with the catch being you have to be claim-free before the accident.
• Good Students Pay Less – Performing well in school can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
• Homeowners Discount – Owning your own home or condo can get you a discount because it shows financial diligence.
• Telematics Data Discounts – Drivers that enable companies to study their driving habits by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they show good driving skills.
• Claim-Free Discount – Good drivers with no accidents get the best car insurance rates as opposed to frequent claim filers.

Drivers should understand that most credits do not apply the the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like all the discounts add up to a free policy, you’re out of luck.

Companies and a summarized list of policyholder discounts include:

• Mercury Insurance includes discounts for anti-theft, multi-policy, professional/association, age of vehicle, good student, and location of vehicle.
• Farmers Insurance offers premium reductions for mature driver, teen driver, pay in full, good student, and electronic funds transfer.
• Farm Bureau may offer discounts for good student, multi-policy, renewal discount, youthful driver, safe driver, multi-vehicle, and 55 and retired.
• State Farm has savings for anti-theft, good student, Steer Clear safe driver discount, student away at school, Drive Safe & Save, passive restraint, and safe vehicle.
• Allstate may include discounts for early signing, EZ pay plan discount, good student, economy car, and auto/life discount.
• Geico policyholders can earn discounts including five-year accident-free, multi-policy, good student, seat belt use, and military active duty.

Before buying, ask every company which discounts you may be entitled to. Depending on the company, some discounts may not be available in your area.

Tailor your insurance coverage to you

When buying coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your insurance needs would benefit from professional advice.

• What is covered by UM/UIM coverage?
• Does coverage extend to a rental car in a foreign country?
• What are the financial responsibility laws in my state?
• Is my 2002 Acura CL covered for flood damage?
• What is the ISO rating for a 2002 Acura CL?
• How can I force my company to pay a claim?
• Should I get collision insurance on every vehicle?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance coverage information

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages offered by auto insurance companies.

Collision coverage – This coverage pays for damage to your CL caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, falling objects, hail damage and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance – Med pay and PIP coverage pay for short-term medical expenses such as ambulance fees, rehabilitation expenses, dental work and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Acura CL.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance – This coverage protects you from damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair costs for stationary objects, pain and suffering, structural damage, loss of income and emergency aid. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Buy Smart and Save

When you buy insurance coverage online, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to buy a smart amount of coverage at the best cost while not skimping on critical coverages.

In this article, we presented some good ideas how to shop for 2002 Acura CL insurance online. The key thing to remember is the more quotes you get, the higher your chance of finding the cheapest insurance coverage. You may be surprised to find that the biggest savings come from some of the smallest insurance companies. Some small companies often have lower prices on specific markets than their larger competitors like Progressive or Geico.

Additional detailed information is available in these articles:

• Should I Buy a New or Used Car? (Allstate)
• Older Drivers FAQ (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)