1998 Acura CL Car Insurance Quotes

I can’t think of anyone who likes having to buy auto insurance, especially when their premiums are too high.

Since consumers have many insurance companies to choose from, it is hard for the average consumer to choose the most affordable provider.

Don’t miss these discounts

Insurance can cost an arm and a leg, but you can get discounts that you may not even be aware of. A few discounts will automatically apply when you complete an application, but some must be specifically requested before you get the savings.

  • Paperwork-free – A few companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Clubs and Organizations – Participating in a civic or occupational organization is a good way to get lower rates on your policy for CL coverage.
  • Low Mileage – Keeping the miles down on your Acura can qualify you for better rates on cars that stay parked.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for CL coverage than drivers with accidents.

Drivers should understand that some credits don’t apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will help reduce your premiums.

To see a list of providers offering auto insurance discounts, click here to view.

Car Insurance Comparison Rates

There are several ways to compare quotes and find the best price. One of the best ways to find competitive 1998 Acura CL insurance rates is to use the internet to compare rates. This can be done in a couple of different ways.

  • The easiest and least time consuming way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This form keeps you from doing separate quotation requests for each company. One form submission gets rate comparisons from multiple low-cost companies.
  • A harder way to analyze rates consists of going to each individual company website to complete a price quote. For examples sake, we’ll pretend you want to compare rates from Progressive, 21st Century and American Family. To get each rate you have to take the time to go to each site to enter your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.

Which method you use is up to you, but make sure you use apples-to-apples information for each comparison quote. If you enter different limits and deductibles on each one then you won’t be able to determine the lowest rate for your Acura CL. Having just a slight variation in insurance coverages can make a big difference in price. Just keep in mind that having more price comparisons helps locate the best offered rates.

Why your Acura CL insurance rates may be high

It’s important that you understand some of the elements that play a part in calculating insurance rates. Having a good understanding of what determines base rates enables informed choices that will entitle you to better insurance rates.

Shown below are some of the factors insurance companies consider when setting prices.

  • Always keep insurance in force – Driving your car without having proper coverage is against the law and as a result your rates will increase for letting your insurance lapse. Not only will rates go up, but not being able to provide proof of insurance may earn you a steep fine or even jail time.
  • With age comes lower rates – Teen drivers are statistically proven to be careless and easily distracted when driving so they pay higher insurance rates. Adding a youthful driver onto a policy can be very expensive. More mature drivers are more cautious drivers, statistically cause fewer accidents and are safer drivers.
  • Better credit means lower rates – Credit score is a huge factor in determining what you pay for insurance. If your credit score is lower than you’d like, you could save money insuring your 1998 Acura CL by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit.
  • High deductibles save money – Physical damage deductibles represent how much money you are required to spend before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims are colliding with a building, damage caused by hail, and rolling your vehicle. The more you have to pay, the less your insurance will be for CL coverage.

When might I need help?

When choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent’s advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I waive the damage coverage when renting a car?
  • Does insurance cover tools stolen from my truck?
  • Do I have coverage when making deliveries for my home business?
  • If my pet gets injured in an accident are they covered?
  • Does my personal policy cover me when driving out-of-state?
  • Do I have newly-aquired coverage?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Ads can be misleading

Insurance companies such as State Farm, Geico and Progressive regularly use ads in print and on television. They all seem to make the same claim that you can save if you move your coverage to them. How can each company make almost identical claims?

Insurance companies have a certain “appetite” for the type of driver they prefer to insure. For instance, a profitable customer might be between 30 and 50, is a homeowner, and has great credit. A driver that hits that “sweet spot” will get very good rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t meet the requirements will be quoted a more expensive rate which usually ends up with business not being written. The ads state “customers who switch” not “people who quote” save that much. That’s why insurance companies can confidently claim big savings.

This emphasizes why you should get as many comparisons as possible. It’s impossible to know which insurance companies will have the lowest Acura CL insurance rates.

Auto insurance coverages 101

Understanding the coverages of auto insurance can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 1998 Acura CL.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, hitting a bird, a tree branch falling on your vehicle 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 is not worth much consider removing comprehensive coverage.

Collision protection

This pays for damage to your CL resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, hitting a mailbox, scraping a guard rail, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses like hospital visits, dental work, rehabilitation expenses, funeral costs and surgery. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability coverages

This will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. It does not cover 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. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like attorney fees, court costs, structural damage and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

More quotes. Lower rates.

Throughout this article, we presented many ideas to lower your 1998 Acura CL insurance rates. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even find the best price on insurance is with an unexpected company. These companies may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.

As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. Too many times, someone dropped comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. Your goal should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

The cheapest insurance can be found online in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.

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