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 30, 2018

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Trying to find lower auto insurance rates for your Acura CL? When looking for lower-cost insurance, are you frustrated by the crazy number of auto insurance companies in your area? Consumers have so many choices that it can turn into a real hassle to lower your prices.

It’s important to take a look at other company’s rates at least once a year since rates trend upward over time. Even if you think you had the lowest premium rates for CL coverage a couple years back you can probably find a lower rate today. Ignore everything you know about auto insurance because we’re going to demonstrate the tricks you need to know to lower your rates without sacrificing coverage.

How to buy insurance online

Shopping for lower insurance rates can take time and effort if you don’t understand the most efficient way. You can waste a few hours (or days) talking to agents in your area, or you could save time and use the web for quick rates.

Many popular insurance companies take part in a program where insurance shoppers submit one quote, and every company then gives them pricing for coverage. This prevents consumers from doing repetitive form submissions for every insurance company. To participate in this free quote system, click here to start a free quote.

The one downside to doing it this way is that you can’t choose the companies to receive prices from. So if you want to select from a list of companies for rate comparison, we put together a list of low cost insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, be sure you’re using identical information for each comparison quote. If you compare different liability limits it will be very difficult to truly determine the lowest rate. Even a minor difference in insurance coverages or limits may cause a big price difference. Keep in mind that more quotes provides better odds of finding the best price. Some regional insurers cannot provide online quotes, so you also need to get rates from the smaller companies as well.

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

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Insurance quotes and discounts

Some insurance providers don’t always publicize every discount they offer very well, so the next list breaks down some of the best known as well as the least known credits available to lower your premiums when you buy car insurance online.

  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase auto and life insurance together.
  • Military Rewards – Being on active deployment in the military could mean lower prices.
  • Discount for Low Mileage – Low annual miles could qualify for better prices on cars that stay parked.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% because new model year vehicles are generally safer.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. Most companies allow this discount up to age 25.

Don’t be surprised that most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way.

A list of companies and the discounts they provide are detailed below.

  • State Farm includes discounts for driver’s education, accident-free, anti-theft, safe vehicle, and Drive Safe & Save.
  • GEICO has discounts for membership and employees, seat belt use, federal employee, driver training, five-year accident-free, good student, and anti-lock brakes.
  • Allstate may have discounts that include passive restraint, defensive driver, anti-lock brakes, multi-policy, teenSMART discount, and EZ pay plan discount.
  • SAFECO may include discounts for bundle discounts, safe driver, anti-lock brakes, teen safety rewards, and accident prevention training.
  • Farm Bureau may offer discounts for driver training, 55 and retired, multi-vehicle, safe driver, and multi-policy.
  • Progressive has savings for online quote discount, multi-vehicle, multi-policy, homeowner, continuous coverage, good student, and online signing.
  • AAA offers discounts including good driver, AAA membership discount, multi-car, multi-policy, and education and occupation.

If you need cheaper car insurance quotes, ask every insurance company how many discounts you can get. Some of the discounts discussed earlier may not apply in every state. To find companies who offer online insurance quotes, click here.

Situations that may require an agent’s advice

When buying the right insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different.

For instance, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • When should I not file a claim?
  • Are there companies who specialize in insuring high-risk drivers?
  • How can I force my company to pay a claim?
  • Is business equipment covered while in my vehicle?
  • Are my friends covered when driving my car?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need roadside assistance coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage options for an Acura CL

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Coverage for medical payments – Med pay and PIP coverage provide coverage for immediate expenses such as nursing services, doctor visits, funeral costs and rehabilitation expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive coverages – This coverage will pay to fix 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 insurance covers things like hail damage, damage from getting keyed and a broken windshield. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured and underinsured coverage – This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Acura CL.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Auto liability – Liability coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers claims like medical expenses, repair bills for other people’s vehicles, attorney fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – Collision coverage covers damage to your CL caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, hitting a mailbox, sideswiping another vehicle, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.