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: Feb 25, 2018

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Searching for low-cost insurance for an Acura CL can turn out to be an all-consuming task, but you can follow our auto insurance buying tips to make it easier.

There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the quickest way to compare rates for your Acura and get the best price possible.

It is always a good idea to take a look at other company’s rates before your policy renews because insurance rates change frequently. If you had the best premium rates on CL insurance a few years ago there may be better deals available now. Ignore everything you know about auto insurance because you’re about to find out one of the easiest ways to get good coverage at a lower rate.

If you have insurance now or are shopping for new coverage, you can use this information to find the best rates while maintaining coverages. Shopping for affordable insurance coverage coverage is simple if you know the tricks. Drivers only need to know the most effective way to shop their coverage around online.

Buy insurance coverage online

Performing a rate comparison can take hours if you don’t know the fastest way to get free quotes. You can spend countless hours driving to insurance companies in your area, or you can utilize online quoting to get prices fast.

Most of the best insurance companies enroll in a system where insurance shoppers enter their policy data once, and every company returns a rated price based on that information. This prevents consumers from doing quote forms to each individual insurance coverage company.

To access this free quoting program, click here to start a free quote.

The only drawback to getting quotes like this is that consumers can’t choose which providers to get pricing from. If you would rather choose individual companies to compare rates, we have a page of low cost insurance coverage companies in your area. Click here to view list.

It doesn’t matter which method you choose, just make sure you use apples-to-apples deductibles and coverage limits for each comparison quote. If each company quotes different deductibles it’s not possible to determine the lowest rate for your Acura CL.

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

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How insurance providers calculate Acura CL insurance prices

Part of the insurance coverage buying process is learning some of the factors that come into play when calculating the rates you pay for insurance coverage. If you have some idea of what influences your rates, this enables you to make decisions that may reward you with lower insurance coverage prices. Lots of things are used when quoting car insurance. Some of the criteria are obvious such as traffic violations, but some are less apparent like where you live or how financially stable you are.

The items below are some of the most common factors utilized by car insurance companies to help set your premiums.

  • High premiums for younger drivers – Beginning drivers are known to be careless and easily distracted when at the wheel of a vehicle therefore insurance coverage rates are much higher. Older insureds are more cautious drivers, tend to cause fewer accidents .
  • Higher insurance coverage rates for insurance coverage policy lapses – Letting your insurance expire is a sure-fire way to pay more for insurance coverage. Not only will you pay more, being ticketed for driving with no insurance could result in a revoked license or a big fine.
  • Drivers with high credit save on insurance coverage – Your credit score is a large factor in determining premium rates. Consumers who have good credit tend to be better risks to insure than those with poor credit scores. If your credit rating can be improved, you could save money insuring your 1999 Acura CL if you clean up your credit.
  • Lower rates with theft deterrents – Buying a car with a theft deterrent system can get you a discount on your insurance coverage. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent vehicle theft.
  • Save annual miles and save money – The more you drive your Acura every year the higher your rate. The majority of insurers apply a rate based upon how the vehicle is primarily used. Cars and trucks that are left in the garage cost less to insure than vehicles that are driven to work every day. Double check that your policy is showing the proper vehicle usage. Improper usage on your CL is throwing money out the window.

Do you qualify for discounts?

Insuring your fleet can be pricey, but you might be missing out on some discounts that could drop your premiums quite a bit. Certain reductions will be credited when you get a quote, but once in a while a discount must be specifically requested prior to receiving the credit.

  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will save you 10% or more.
  • ABS and Traction Control Discounts – Cars that have anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
  • Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education if offered at their school.
  • Driver Training Discounts – Taking time to complete a course that instructs on driving safety may get you a small discount and make you a better driver.
  • Drive Less and Save – Maintaining low annual mileage could be rewarded with discounted premium rates on garaged vehicles.
  • Memberships – Belonging to certain professional organizations is a good way to get lower rates on your bill.
  • Senior Citizen Rates – Seniors could receive a slight reduction on a car insurance quote on CL insurance.
  • Accident Free – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote in comparison to bad drivers.
  • Discounts for Multiple Vehicles – Having multiple cars or trucks with the same car insurance company could earn a price break for each car.

Don’t be surprised that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like you could get a free car insurance policy, you’re out of luck. But all discounts will help lower your car insurance premiums.

A partial list of companies who might offer these money-saving discounts include:

If you need low cost car insurance quotes, ask every insurance company which credits you are entitled to. Discounts might not be available to policyholders everywhere. If you would like to see a list of car insurance companies who offer cheap car insurance quotes, click this link.

Don’t assume everyone needs the same insurance coverage

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.

  • Which companies will insure high-risk drivers?
  • How much liability insurance is required?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered when driving on a suspended license?
  • Am I covered if hit by an uninsured driver?
  • Do I pay less for low miles?
  • Do I need rental car coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my trailer covered?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

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

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Auto insurance coverages

Knowing the specifics of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Auto liability insurance

This coverage will cover damages or injuries you inflict on people or other property. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three 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 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for things like court costs, attorney fees, medical services, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, a broken windshield and hitting a deer. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your 1999 Acura CL.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses for rehabilitation expenses, ambulance fees, prosthetic devices, nursing services and surgery. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage will pay to fix damage to your CL resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, hitting a parking meter, sustaining damage from a pot hole, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Get your money’s worth

We covered many tips how you can reduce 1999 Acura CL insurance premium rates online. The key thing to remember is the more providers you compare, the higher your chance of finding low cost car insurance. Consumers may even find the most savings is with a lesser-known regional company.

Cheaper 1999 Acura CL insurance is available on the web and from local agencies, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers may not provide internet price quotes and these small, regional companies provide coverage only through independent agencies.

When shopping online for car insurance, it’s a bad idea to buy less coverage just to save a little money. In many cases, an accident victim reduced collision coverage and discovered at claim time that it was a big mistake. The proper strategy is to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.

More detailed car insurance information can be found at these sites: