2002 Acura CL Insurance Rates – 7 Ways to Save

Searching for better insurance rates for your Acura CL? Having to pay for overpriced insurance can overdraw your personal savings, especially in this economy. Doing a price comparison is a great way to cut your insurance bill.

Online insurance companies like Allstate and Progressive constantly bombard you with fancy advertisements and consumers find it hard to ignore the propoganda and take the time to shop coverage around.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using this information. Buying car insurance is easy if you know what you’re doing. Although vehicle owners must understand the methods companies use to sell online and take advantage of how the system works.

Fast and Easy Insurance Quotes

Comparing insurance rates can take hours if you don’t know the best way to get rate quotes. You could spend your day talking to local insurance agents in your area, or you could save time and use online quoting to quickly compare rates.

All the larger companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and each participating company then gives them pricing. This eliminates the need for quote requests to every company. To use this form to compare 2002 Acura CL insurance rates click here (opens in new window).

The one disadvantage to using this type of form is that consumers can’t choose the companies to get quotes from. If you wish to select from a list of companies to receive pricing from, we have a listing of companies who write insurance in your area. Click here to view list.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same coverage limits and deductibles for each price quote. If each company quotes different deductibles it will be very difficult to make an equal comparison. Just a small difference in insurance coverages can result in a big premium difference. And when price shopping your coverage, comparing a large number of companies gives you a better chance of getting the best price.

You probably qualify for some discounts

Companies don’t list every available discount in a way that’s easy to find, so we took the time to find both well-publicized as well as the least known discounts you could be receiving.

  • Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.
  • Senior Citizens – Mature drivers can possibly qualify for reduced rates for CL coverage.
  • Distant Student – Any of your kids who are attending college and do not have a car can receive lower rates.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for CL coverage with select insurance companies.
  • Early Switch Discount – Some companies give discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Claim Free – Drivers who don’t have accidents pay less compared to accident-prone drivers.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

Drivers should understand that most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

For a list of companies who offer insurance coverage discounts, click here.

There’s no such thing as the perfect policy

When buying the best auto insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining whether your personal situation could use an agent’s help.

  • Am I covered when driving on a suspended license?
  • What happens if I owe more than my 2002 Acura CL is worth?
  • Does car insurance cover theft of personal property?
  • Does my policy cover me when driving someone else’s vehicle?
  • When can my company non-renew my policy?
  • Is my teenager covered with friends in the car?
  • What can I do if my company denied a claim?
  • Does my liability insurance cover pulling a trailer or camper?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage options for a 2002 Acura CL

Understanding the coverages of insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Liability insurance – Liability insurance protects you from damage that occurs to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things like bail bonds, legal defense fees, pain and suffering and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

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

Comprehensive coverage protects against claims like damage from getting keyed, theft and fire damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – This coverage covers damage to your CL caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, hitting a parking meter, sustaining damage from a pot hole, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Acura CL.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like prosthetic devices, chiropractic care, dental work and surgery. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Quote often and quote early

We just covered many tips how you can lower your 2002 Acura CL insurance rates. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced insurance coverage comes from the least-expected company. They may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Affordable insurance can be sourced from both online companies and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

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