7 Methods to Save on Acura 2.2CL Insurance

Having to pay for high-priced auto insurance can sap your checking account and possibly require you to analyze your spending habits. Doing a rate analysis is free and is an excellent way to make ends meet.

Numerous car insurance companies battle for your hard-earned dollar, so it can be very hard to choose a insurance company to find the lowest rate possible.

It’s a good idea to quote other rates occasionally due to the fact that insurance prices are variable and change quite frequently. Even if you got the best rates for 2.2CL coverage at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to how to use online quotes to properly buy coverages while reducing your premium.

If you are paying for car insurance now, you stand a good chance to be able to save some money using these methods. Finding the best rates is not rocket science. Although car owners need to learn the way companies determine prices and take advantage of how the system works.

There are a lot of ways to compare auto insurance quotes, but one way is less time-consuming than others. You can waste hours talking to insurance companies in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

Many companies participate in a marketplace where prospective buyers enter their coverage request one time, and each company can give them a price. This system prevents you from having to do quotation requests for every auto insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

One minor caviat to doing it this way is you are unable to specify the insurers to receive prices from. If you wish to select from a list of companies to compare, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

The approach you take is up to you, just compare the exact same coverage data on every price quote you get. If you have different limits and deductibles on each one you can’t possibly make a fair rate comparison. Just a small difference in insurance coverages or limits can mean a large discrepancy in price. Just keep in mind that more quotes will improve the odds of getting the best offered rates.

Auto insurance coverage specifics

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average auto insurance policy.

Auto liability insurance

This coverage protects you from injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like legal defense fees, emergency aid and loss of income. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

This pays for damage to your 2.2CL from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as rolling your car, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Acura 2.2CL.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

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

Comprehensive coverage protects against claims like vandalism, theft and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for expenses for things like rehabilitation expenses, hospital visits, prosthetic devices, pain medications and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay