1998 Acura CL Insurance Quotes

Having to pay for overpriced Acura CL insurance can dwindle your personal savings and put the squeeze on your family’s finances. Comparison shopping is a smart way to make sure you’re not throwing money away.

Companies like Geico, Farmers Insurance and State Farm all claim big savings, bombarding you with fancy advertisements and it can be hard to not get sucked in by the cute commercials and take the time to shop coverage around.

Consumers should take time to compare rates on a regular basis since rates fluctuate regularly. Despite the fact that you may have had the best price on CL coverage two years ago other companies may now be cheaper. There is a lot of wrong information about insurance online but I’m going to show you some great ways to buy insurance cheaper.

The quickest way to compare insurance rates in your area is to know the fact car insurance companies have advanced systems to give rate comparisons. To start a quote, the only thing you need to do is take a few minutes to give details like what your job is, whether you have decent credit, level of coverage desired, and driver ages. That rating data is automatically sent to multiple insurance providers and you should receive rate quotes instantly.

To find lower rates now, click here and see if a lower rate is available.

Which policy gives me the best coverage?

When it comes to buying coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help highlight if you might need an agent’s assistance.

  • Do I pay less for low miles?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I make deliveries for my home business?
  • Does my policy cover me when driving someone else’s vehicle?
  • What if I total my 1998 Acura CL and owe more than it’s worth?
  • Do I need medical payments coverage since I have good health insurance?
  • How can I get high-risk coverage after a DUI?
  • Can I afford to buy a different vehicle if my 1998 Acura CL is totaled?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Auto insurance coverages and their meanings

Having a good grasp of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types available from auto insurance companies.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like EMT expenses, hospital visits, doctor visits, prosthetic devices and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection 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.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Auto liability insurance

This can cover damage that occurs to a person or their property in an accident. This coverage 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 per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like medical services, legal defense fees, structural damage and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Auto collision coverage

This coverage covers damage to your CL resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, theft and a broken windshield. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.