Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Jul 16, 2018

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Looking for cheaper car insurance rates for your Acura CL? Nobody I know likes buying car insurance, especially knowing the cost is too high.

Many insurers vie to insure your vehicles, so it’s not easy to compare every insurer and get the best coverage at the lowest price

It is always a good idea to do price comparisons occasionally since insurance prices are adjusted regularly by insurance companies. If you had the lowest rate on CL insurance a year ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because it’s time to teach you the right way to remove unneeded coverages and save money.

Drivers can save with these discounts

Companies offering auto insurance don’t always advertise the entire discount list very clearly, so here is a list both well-publicized as well as some of the hidden discounts that may be available. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more off PIP or medical payments premium.
  • Club Memberships – Participating in specific professional or occupational memberships or organizations could earn you a nice discount on insurance.
  • More Vehicles More Savings – Insuring multiple cars or trucks on a single policy can reduce rates for all insured vehicles.
  • New Vehicle Savings – Insuring a new car can save up to 30% due to better safety requirements for newer models.
  • Online Discount – Certain companies may give you up to $50 get insurance on the web.
  • Accident Waiver – This one isn’t a discount, but some insurance companies will let one accident slide without getting socked with a rate hike if you are claim-free for a particular time prior to the accident.

Don’t be shocked that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will definitely lower the cost of coverage.

Popular insurance companies and their offered discounts can be found below.

  • American Family may include discounts for good student, good driver, mySafetyValet, multi-vehicle, and early bird.
  • State Farm offers discounts including Steer Clear safe driver discount, driver’s education, good student, good driver, passive restraint, student away at school, and anti-theft.
  • 21st Century includes discounts for theft prevention, anti-lock brakes, driver training, early bird, air bags, and automatic seat belts.
  • Travelers policyholders can earn discounts including good student, continuous insurance, payment discounts, driver training, and multi-policy.
  • GEICO has savings for air bags, emergency military deployment, good student, federal employee, daytime running lights, multi-vehicle, and five-year accident-free.

When getting a coverage quote, ask each insurance company which discounts they offer. Some discounts listed above may not be offered in every state. To see a list of insurers that have a full spectrum of discounts, click here to view.

The quickest way to get policy rate comparisons is to know all the major auto insurance companies allow for online access to give you rate quotes. The one thing you need to do is provide details including whether your vehicle is owned or leased, whether or not you need a SR-22, an estimate of your credit level, and if you have an active license. The rating information is instantly provided to many different companies and you will get price comparisons with very little delay.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Learn how to buy auto insurance cheaper

Many different elements are used when you quote your car insurance policy. Some are obvious such as your driving history, but other criteria are more transparent such as your marital status and annual miles driven.

Listed below are some of the factors utilized by car insurance companies to help set prices.

  • Extra coverages are wasting money – There are many extra coverages that can add up if you don’t pay attention. Things like rental car reimbursement, towing, and additional equipment coverage are some examples. They may seem like a good idea at first, but your money might be better spent on other coverage so consider taking them off your policy.
  • Better drivers pay lower rates – Your driving citation history has a huge affect on how much you pay. Good drivers have lower premiums compared to drivers with tickets. Just one speeding ticket may cause rates to rise by as much as twenty percent. Drivers who have gotten serious violations like hit and run, DWI or reckless driving convictions are required to maintain a SR-22 to the state department of motor vehicles in order to continue driving.
  • Your address can push rates up or down – Living in less populated areas is a good thing when trying to find low car insurance rates. Urban drivers regularly have more road rage incidents and more time behind the wheel. Less people living in that area means less chance of accidents and a lower car theft rate.
  • Higher rates for tough jobs – Did you know your career choice can influence rates? Occupations like military generals, architects and miners tend to pay higher rates than average due to high stress and incredibly demanding work hours. On the flip side, careers such as professors, engineers and the unemployed pay lower than average rates on CL insurance.

Special considerations

When choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might point out if your situation might need professional guidance.

  • What if I owe more than I can insure my car for?
  • Why do I only qualify for high-risk insurance?
  • Where can I get insurance after a DUI in my state?
  • Does car insurance cover theft of personal property?
  • Where can I find high-risk insurance?
  • When should my teen driver be added to my policy?
  • Which is better, split liability limits or combined limits?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I drive in a foreign country?
  • At what point should I drop full coverage?

If you don’t know the answers to these questions, you may need to chat with 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.

Truth in insurance coverage advertising

GEICO, State Farm and Progressive endlessly run television and radio advertisements. They all have a common claim that drivers can save some big amount if you switch your coverage. It sounds good, but how can they all sell you cheaper insurance coverage? You have to listen carefully.

Insurance coverage companies quote their best rates for the right customer that earns them the highest profit. An example of a driver they prefer might be described as between the ages of 30 and 45, has other policies, and has excellent credit. Any person that matches those criteria receives the best prices and will most likely pay quite a bit less when switching companies.

Consumers who don’t measure up to this stringent profile will probably be forced to pay a higher premium which leads to business not being written. If you pay close attention to the ads, they say “drivers that switch” not “all people who quote” can save as much as they claim. This is how companies can make claims that they all have the best premium rates. Because of the profiling, you really need to get a wide range of price quotes. It is just not possible to predict which company will give you the biggest savings.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Car insurance coverage specifics

Having a good grasp of your car insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages available from car insurance companies.

Comprehensive protection

This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, rock chips in glass and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as ambulance fees, rehabilitation expenses, dental work and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sideswiping another vehicle, scraping a guard rail, crashing into a ditch, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Coverage for liability

This coverage protects you from damage or injury you incur to other’s property or people. 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 per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers things like attorney fees, pain and suffering and legal defense fees. How much coverage you buy is your choice, but you should buy higher limits if possible.

Be a smart shopper

When getting insurance quotes online, do not skimp on coverage in order to save money. There have been many situations where an insured dropped liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

Some insurance companies may not provide the ability to get a quote online and usually these regional carriers provide coverage only through independent agencies. More affordable insurance is possible from both online companies and from local agencies, so compare prices from both to have the best selection.

Additional insurance information is available below: