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: Oct 5, 2015

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Searching for better auto insurance rates for your Acura CL? Paying for high-priced Acura CL insurance can bleed your checking account and possibly require postponing other expenditures. Comparing rate quotes is free, only takes a few minutes, and is a good way to tighten up your finances.

Many insurers compete for your business, so it’s not easy to compare every provider to discover the definitive lowest price

It’s a great practice to compare prices at least once a year because insurance rates are constantly changing. Just because you found the lowest rate for CL insurance a couple years back there may be better deals available now. There is a lot of bad information regarding auto insurance on the internet, but I’m going to show you a lot of great tips on how to reduce your auto insurance bill.

These eight discounts can lower your auto insurance rates

Buying auto insurance is not cheap, but you might be missing out on some discounts that many consumers don’t even know exist. A few discounts will be applied when you get a quote, but occassionally some discounts must be asked about before they will apply.

  • New Vehicle Savings – Putting insurance coverage on a new car can get you a discount because new model year vehicles keep occupants safer.
  • Life Insurance Discount – Some insurance carriers give a discount if you purchase auto and life insurance together.
  • Defensive Driver Discount – Passing a defensive driver class could cut 5% off your bill and easily pay for the cost of the class.
  • College Student – Youth drivers who live away from home at college and don’t have a car may qualify for this discount.
  • Low Mileage Discounts – Driving fewer miles may enable drivers to earn lower premium rates due to less chance of an accident.
  • Clubs and Organizations – Having an affiliation with a qualifying organization could qualify you for a break when getting a auto insurance quote.
  • Theft Deterent – Vehicles optioned with advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • Smart Student Discounts – Getting good grades may save as much as 25% on a auto insurance quote. You can use this discount normally up until you turn 25.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. So when it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

Companies and their possible discounts are detailed below.

  • American Family offers premium reductions for defensive driver, Steer into Savings, accident-free, good driver, and good student.
  • Nationwide offers discounts for multi-policy, accident-free, family plan, anti-theft, and defensive driving.
  • MetLife may offer discounts for accident-free, claim-free, good driver, good student, and defensive driver.
  • 21st Century includes discounts for homeowners, early bird, theft prevention, air bags, teen driver, automatic seat belts, and 55 and older.
  • Farmers Insurance policyholders can earn discounts including homeowner, business and professional, early shopping, bundle discounts, and electronic funds transfer.
  • Allstate offers discounts including eSmart discount, passive restraint, EZ pay plan discount, good payer, and defensive driver.

If you need the cheapest auto insurance quotes, ask all companies you are considering the best way to save money. Some discounts listed above might not be offered everywhere. For a list of providers who offer online auto insurance quotes, click here.

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

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Different people need different insurance coverages

When it comes to buying the best insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your insurance needs may require specific advice.

  • Am I covered if I crash into my own garage door?
  • Does my policy pay for OEM or aftermarket parts?
  • If my pet gets injured in an accident are they covered?
  • Is business equipment covered while in my vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Is a blown tire covered by insurance?
  • Can I make deliveries for my home business?
  • How can I get my company to pay me more for my totalled car?
  • Is my 2001 Acura CL covered for smoke damage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance coverage specifics

Understanding the coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Acura CL.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills like hospital visits, ambulance fees and X-ray expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a bird, vandalism and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage will pay to fix damage to your CL from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a mailbox, colliding with a tree, backing into a parked car, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability auto insurance

Liability insurance protects you from damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as loss of income, funeral expenses and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Have money to burn

While you’re price shopping online, never skimp on critical coverages to save a buck or two. There are many occasions where someone dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to find the BEST coverage for the lowest price while still protecting your assets.

A few companies don’t offer online price quotes and usually these smaller providers provide coverage only through independent agents. More affordable insurance coverage is available both online in addition to local insurance agencies, and you should compare rates from both so you have a total pricing picture.

Much more information about insurance coverage is available on the following sites: