Protecting Your Acura 2.3CL Just Got A Whole Lot Cheaper

Sick and tired of paying out the nose to insure your Acura every month? You are no different than most other car owners.

Because you have many options, it’s difficult to choose the lowest cost insurance company.

You should take the time to price shop coverage quite often because prices change regularly. Even if you got the lowest rates on 2.3CL coverage two years ago you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the fastest and easiest way to get good coverage at a lower rate.

Shopping for more affordable coverage is quite easy. Just about anyone who is required by state law to have car insurance stands a good chance to be able to save money. But consumers must understand how companies sell insurance online because it can help you find the best coverage.

Quick Car Insurance Quotes

All the larger car insurance companies like Allstate and Progressive quote price estimates on the web. Getting online quotes is fairly straightforward as you just enter your coverage preferences as detailed in the form. Once you submit the form, the system will obtain reports for credit and driving violations and provides a quote. Being able to quote online makes comparing rates easy, but the time it takes to visit a lot of sites and type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to perform this step if you want to find the best price possible.

There is an easier way!

The easiest way to locate the lowest prices utilizes a single form to obtain quotes from more than one company. This type of form saves time, eliminates form submissions, and makes online quotes much easier to do. As soon as you send your information, it is quoted and you can select your choice of the quotes that you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. It can be completed in less than 10 minutes and may save quite a bit of money.

To find out what other companies charge, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you replicate deductibles and limits exactly as shown on your declarations page. This guarantees you will be getting comparison quotes based on similar coverages.

Do you qualify for a discount?

Insurance can cost an arm and a leg, buy you may qualify for discounts to cut the cost considerably. Most are applied when you quote, but a few need to be asked for in order for you to get them. car insurance

Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The good student discount can last well after school through age 25.
Defensive Driving Course – Taking part in a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
Theft Prevention System – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
Save over 55 – Older drivers may receive better car insurance rates on 2.3CL coverage.
Discount for New Cars – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Discount for Swiching Early – A few companies offer discounts for switching policies before your current expiration date. The savings is around 10%.
Federal Employees – Employees or retirees of the government can save as much as 8% on 2.3CL coverage depending on your company.
Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could save 15% off your medical payments premium.

It’s important to note that most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. But any discount will help reduce the cost of coverage.

To choose insurers offering car insurance discounts, click here to view.

Price shop online but buy from a local agent

Some people prefer to buy from a licensed agent. One of the best bonuses of comparing insurance prices online is the fact that you can find the best rates but also keep your business local. And providing support for local businesses is especially important in small towns and cities.

After filling out this short form, your insurance data is instantly submitted to insurance agents who will battle to get your business. You never need to drive around due to the fact that quote results will go straight to your inbox. It doesn’t get any easier! You can find better rates and work with a local agent.

The difference between car insurance agents

When searching for a reliable agent, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agents are either captive or independent (non-captive).

Independent Agencies or Brokers

These agents do not work for one specific company but instead can place your coverage with multiple insurance companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies and you won’t have to switch agencies. When comparing rates, it’s recommended you include at a minimum one independent agency to have the most options to choose from.

Agency Captives

Captive agencies write business for a single company like Allstate, Farmers Insurance or State Farm. These agents are not able to place coverage with different providers so they have to upsell other benefits. These agents are well schooled on their company’s products which can be an advantage.

To view a complete directory of agencies, click here.

Deciding on an insurance agent needs to be determined by more than just a cheap price. Any agent should have no problem answering these questions:

Do they feel the quoted coverages are adequate?
Does the agency support the community they serve?
Are there any discounts that you might be missing?
How are claims handled?
How much can you save by raising your physical damage deductibles?

Once you have received positive feedback and a good coverage price, you have narrowed it down to an auto insurance agent that will service your policy.

Tailor your coverage to you

When it comes to buying the best car insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions can aid in determining if you may require specific advice.

Is pleasure use cheaper than using my Acura 2.3CL to commute?
Should I rate my Acura 2.3CL as pleasure use or commute?
Will my vehicle be repaired with OEM or aftermarket parts?
Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need special endorsements for business use of my vehicle?
Do I have any recourse if my insurance company denies a claim?
Why does it cost so much to insure a teen driver?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Final considerations

Lower-priced Acura 2.3CL insurance can be purchased online and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

In this article, we covered a lot of tips how to compare Acura 2.3CL insurance prices online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.