2014 Acura ILX Car Insurance Quotes

Trying to find lower insurance rates for your Acura ILX? Are you overwhelmed by the dozens of insurance companies? Lot’s of other consumers are too. Drivers have so many options available that it can turn into a ton of work to find the lowest price.

Automobile Insurance Quotes

When shopping for auto insurance there are multiple ways of comparing rates from local auto insurance companies. The simplest method to find the lowest 2014 Acura ILX rates is to perform an online rate comparison. This can be accomplished using a couple different methods.

  • The fastest way to get quotes would be an industry-wide quote request form (click to open form in new window). This easy form keeps you from doing repetitive form submissions for every auto insurance company. One simple form will return price quotes from many national carriers. This is by far the quickest method.
  • A harder way to find lower rates consists of visiting the website for every company you want to comare to request a price quote. For examples sake, we’ll pretend you want rates from Auto-Owners, Geico and Farmers. To get each rate you have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

However you get your quotes, compare exactly the same coverage limits on every quote you get. If each company quotes unequal deductibles or liability limits it will be next to impossible to determine which rate is truly the best. Slightly different insurance coverages may cause a big price difference. And when price shopping your coverage, more quotes provides better odds of finding the best offered rates.

Discounts mean cheaper Acura ILX insurance rates

Auto insurance companies do not advertise every available discount very well, so the following is a list of both well-publicized and the more hidden insurance coverage savings.

  • Federal Employees – Employees or retirees of the government may qualify you for a discount for ILX coverage with a few insurance coverage companies.
  • Memberships – Participating in a civic or occupational organization may earn a discount on insurance coverage for ILX coverage.
  • Accident Waiver – Certain companies permit an accident before raising your premiums if your claims history is clear prior to the accident.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.

A little note about advertised discounts, some credits don’t apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Car insurance companies that possibly offer some of the above discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering which discounts they offer. All car insurance discounts might not apply in every state.

Why your Acura ILX insurance rates may be high

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for insurance coverage. Understanding what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

  • Protect your assets with liability insurance – Liability insurance provides coverage if a jury decides you are liable for causing damage or personal injury in an accident. It provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • Theft deterrents lower rates – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your insurance coverage. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
  • Increase deductibles and save – Your deductibles define the amount you are required to spend before your insurance coverage pays a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. A few examples of covered claims are running into the backend of another car, damage caused by hail, and windstorm damage. The more expense you have to pay, the less your insurance coverage will be for ILX coverage.
  • Lower rates come with age – Teenage drivers tend to be careless and easily distracted when behind the wheel so they pay higher insurance coverage rates. Older insureds are more cautious drivers, statistically cause fewer accidents and receive fewer citations.
  • Do you need the policy add-ons? – There are quite a few extra bells and whistles you can purchase on your insurance coverage policy. Coverages like roadside assistance, better glass coverage and membership fees may be costing you every month. These may sound like a good investment initially, but your needs may have changed so get rid of them and save.
  • Better credit means lower rates – Having a bad credit history is a huge factor in determining your rates. So if your credit score is not that good, you could potentially save money when insuring your 2014 Acura ILX by improving your credit score. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower credit scores.
  • One company can mean more discounts – The majority of insurance companies give discounts to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to shop around to confirm you are receiving the best rates possible.

Tailor your coverage to you

When buying coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that might help in determining if your situation might need professional guidance.

  • Are split liability limits better than a combined single limit?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is the difference between comprehensive and collision coverage?
  • Does coverage extend to a rental car in a foreign country?
  • How much underlying liability do I need for an umbrella policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I drive in Mexico and have coverage?
  • Will my rates increase for filing one claim?
  • Do I have coverage when using my vehicle for my home business?
  • How can I get high-risk coverage after a DUI?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Do car insurance companies bend the truth?

Companies like 21st Century, Allstate and State Farm continually stream ads on TV and radio. All the ads make the same claim that you can save after switching your policy. But how can every company say the same thing? This is how they do it.

Insurance companies have a preferred profile for the type of customer they prefer to insure. A good example of a desirable insured could be between the ages of 40 and 55, a clean driving record, and has a short commute. A propective insured who fits that profile will qualify for the lowest rates and therefore will save when switching.

Potential insureds who don’t meet the “perfect” profile will be charged more money and this can result in the customer not buying. The ad wording is “people who switch” not “people who quote” save that much money. That’s why companies can truthfully state the savings. That is why drivers must get as many quotes as possible. Because you never know which car insurance company will fit your personal profile best.

Insurance coverage specifics

Knowing the specifics of a insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Liability coverage

Liability insurance will cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims like legal defense fees, structural damage, repair bills for other people’s vehicles, funeral expenses and court costs. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Collision protection

Collision insurance pays for damage to your ILX resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, scraping a guard rail, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

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

Comprehensive can pay for claims such as hitting a deer, damage from a tornado or hurricane, hitting a bird, falling objects and theft. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses such as pain medications, prosthetic devices, hospital visits and dental work. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Acura ILX.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

More quotes mean more savings

Insureds who switch companies do it for any number of reasons including extreme rates for teen drivers, high rates after DUI convictions, delays in paying claims or even being labeled a high risk driver. It doesn’t matter what your reason, finding a new company is actually quite simple.

Cheap 2014 Acura ILX insurance can be purchased from both online companies and with local insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers do not offer you the ability to get quotes online and these smaller companies work with independent agents.

In this article, we presented some good ideas how to compare insurance prices online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the best price on insurance coverage is with a small local company.

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