Cheap 2003 Acura CL Insurance Quotes

Looking for cheaper car insurance rates for your Acura CL? I can’t think of a single person who likes having to buy car insurance, particularly when their premiums are through the roof. Numerous insurers battle to insure your vehicles, so it can be very hard to choose a provider and get the best coverage at the lowest rate

If you have a current car insurance policy or are looking for a new policy, you can follow these tips to reduce the price you pay while maintaining coverages. Finding affordable coverage is quite easy. Consumers just need to understand the tricks to buy car insurance over the internet.

Why your Acura CL insurance rates may be high

An important part of buying insurance is that you know some of the elements that go into determining your car insurance rates. Understanding what controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.

Listed below are some of the factors car insurance companies consider when setting rates.

  • Having a spouse can save you money – Getting married can get you a discount on your policy. Having a spouse means you’re more responsible it has been statistically shown that being married results in fewer claims.
  • Don’t buy coverages you don’t need – There are many add-on coverages you can purchase if you aren’t careful. Coverages like roadside assistance, better glass coverage and motor club memberships may be wasting your money. These coverages may sound good when you first buy your policy, but if you don’t need them get rid of them and save.
  • Your car insurance rates can be influenced by your job – Jobs such as doctors, business owners and stock brokers tend to have the highest rates attributed to job stress and long work hours. On the other hand, occupations such as pilots, students and the unemployed receive lower rates on CL insurance.
  • Theft deterrents lower rates – Purchasing a vehicle with an alarm system can get you a discount on your car insurance. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
  • Younger drivers pay higher rates – Older insureds are viewed as being more responsible, file fewer claims and receive fewer citations. Teenage drivers tend to get distracted easily when behind the wheel therefore car insurance rates are much higher.
  • Bundling policies can get discounts – Many insurers will give a discount to customers who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even though this discount sounds good, you still need to compare rates to confirm you are receiving the best rates possible.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores are cheaper to insure. Safe vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Acura earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.

Cut your insurance rates with discounts

Car insurance can cost a lot, but there are discounts available that you may not even be aware of. Most are applied when you purchase, but less common discounts must be specially asked for before you will receive the discount. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • E-sign – A handful of insurance companies may give you up to $50 for buying a policy and signing up digitally online.
  • Good Student – Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on CL insurance with a few insurance companies.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings of 20% or more.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will cut the amount you have to pay.

To see a list of insurance companies with discount insurance rates, follow this link.

Do auto insurance companies bend the truth?

Consumers get pounded daily by advertisements that promise big savings by companies like Progressive, Allstate and GEICO. They all seem to say the same thing about savings if you move to them.

But how can every company claim to save you money? It’s all in the numbers.

Different companies are able to cherry pick for the driver that makes them money. For instance, a profitable customer might be profiled as over the age of 40, a clean driving record, and drives newer vehicles. Any driver who fits that profile is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Consumers who do not match the “perfect” profile will have to pay higher prices which usually ends up with business going elsewhere. The ads say “drivers who switch” not “everyone that quotes” save that much. That is how companies can make the claims of big savings.

Because of the profiling, it’s extremely important to get a wide range of price quotes. Because you never know which insurance companies will provide you with the cheapest Acura CL insurance rates.

You are unique and your auto insurance should be too

When buying adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions might point out whether your personal situation could use an agent’s help.

  • Is motorclub coverage worth it?
  • Should I buy additional glass protection?
  • Can I rent a car in Mexico?
  • Should I have a commercial auto policy?
  • How high should my medical payments coverage be?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Having a good grasp of car insurance can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from car insurance companies.

Auto liability insurance – This protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

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 liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as emergency aid, legal defense fees, loss of income and court costs. How much coverage you buy is a personal decision, but buy higher limits if possible.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses like EMT expenses, nursing services and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as rolling your car, crashing into a ditch, crashing into a building, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2003 Acura CL.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally these coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as vandalism, fire damage and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Buy online or local, you save

Cheap 2003 Acura CL insurance is available online and also from your neighborhood agents, so compare prices from both to have the best rate selection. There are still a few companies who may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

When you buy insurance online, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage and found out when filing a claim that it was a big mistake. The aim is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

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