Lower Your 2015 Acura ILX Insurance Quotes

Tired of not being able to scrape enough together to pay high car insurance rates every month? You have the same problem as most other people.

There is such a variety of car insurance companies to insure vehicles with, and although it’s a good thing to have a choice, it can be more difficult to find the best rates for your vehicles.

Take advantage of with these discounts

Insuring your vehicles can cost a lot, but there could be significant discounts to cut the cost considerably. A few discounts will be applied when you purchase, but a few must be requested specifically in order for you to get them.

• Renewal Discounts – Some insurance companies reward drivers for switching companies before your current policy expires. The savings is around 10%.
• Payment Method – If you pay your bill all at once rather than spreading payments over time you may have a lower total premium amount.
• Discount for Life Insurance – Some insurance companies give a discounted premium rate on car insurance if you buy life insurance.
• Discount for Good Grades – Performing well in school may save as much as 25% on a auto insurance quote. The discount lasts up until you turn 25.
• Safe Drivers – Drivers without accidents can save up to 40% or more on their auto insurance quote on ILX insurance compared to accident prone drivers.

Consumers should know that most credits do not apply to your bottom line cost. Most only cut the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like it’s possible to get free car insurance, you’re out of luck. But all discounts will cut the cost of coverage.

Auto insurance companies that may offer quotes with some of the above discounts are:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

When quoting, ask every insurance company to give you their best rates. Some credits may not be available everywhere. For a list of insurance companies with discount auto insurance rates, click here to view.

Buy auto insurance online

To find more affordable quotes, there are a couple of ways to compare rate quotes from companies that offer auto insurance in your state. The simplest method to find affordable 2015 Acura ILX insurance rates consists of obtaining rate quotes online. This can be done in a couple of different ways.

1. The easiest and least time consuming way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This type of form saves time by eliminating a different quote for every company. Filling out one form will return price quotes from all major companies.
2. A more difficult way to get comparison quotes requires you to visit the website for every company you want to comare and fill out their own quote form. For examples sake, we’ll assume you need rates from Farmers, Progressive and Allstate. You would need to go to each individual site and punch in your information repeatedly, which is why the first method is more popular.

   For a list of links to companies insuring cars in your area, click here.

3. The least efficient way to shop rates to different agent offices. The internet has made agencies unnecessary unless you have a complicated situation and need the peace of mind only provided by licensed agents. Some companies do allow you to price shop your coverage online but still have the advice of a local agent.

It’s up to you which method you use, but make sure you use the exact same coverage limits and deductibles with every price quote. If you use different data you will not be able to make a fair comparison for your Acura ILX. Having just a slight variation in limits may result in a large different in cost. It’s important to know that comparing more company’s prices will increase your chances of finding the best offered rates.

Informed consumers can save money

It’s important that you understand some of the things that are used to determine your policy premiums. When you understand what determines base rates, this allows you to make good choices that will entitle you to lower rates.

The items below are some of the items used by insurance companies to determine rates.

• Vehicle features impact insurance rates – Choosing a vehicle with anti-theft technology or alarm system can earn a premium discount. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your car from being stolen.
• Save money by raising comp and collision deductibles – Coverage for physical damage, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Examples of some claims that would be covered are collision with another vehicle, flood damage, and burglary. Your deductibles are the amount of money you are required to spend before a claim is paid by your company. The more of the claim you have to pay, the lower your rates will be on ILX insurance.
• Multi-policy discounts can save money – Lots of companies afford a discount for people who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to shop around to help ensure you have the lowest rates. Consumers may find better rates even if you insure with multiple companies
• Prices also based on gender – Statistics demonstrate that females tend to be a little less risky than males. The data does not necessarily mean that females are better at driving than males. Both sexes tend to get into auto accidents in similar percentages, but the male of the species tend to have higher claims. They also get ticketed for serious violations like DUI and reckless driving.
• Single vs. married – Being married actually saves money on your insurance policy. Having a significant other means you’re more stable financially and statistics prove being married results in fewer claims.
• Big cities have higher rates – Residing in a small town can be a good thing when trying to find low car insurance rates. Drivers who live in large cities have congested traffic and higher rates of accident claims. Less people living in that area means a lower chance of having an accident in addition to lower liability claims
• Miles driven impacts prices – The higher the miles on your Acura every year the more you’ll pay to insure your vehicle. Most companies charge rates partially by how you use the vehicle. Cars that have low annual miles qualify for better rates than those that get driven frequently. Double check that your insurance coverage shows the right rating data, because improper ratings can cost you money. A policy that improperly rates your ILX can result in significantly higher rates.

Your situation helps dictate your coverage

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique so this has to be addressed. For example, these questions may help highlight if you would benefit from an agent’s advice.

• Why am I required to get a high-risk car insurance policy?
• Does coverage extend to a rental car in a foreign country?
• What is an SR-22 filing?
• What companies insure drivers after a DUI or DWI?
• Are split liability limits better than a combined single limit?
• Do I pay less for low miles?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Auto insurance in the media

Auto insurance providers like Allstate and Progressive consistently run ads on television and other media. All the companies make the same claim of big savings if you switch your policy. But how can every company save you money? It’s all in the wording.

All companies look for specific characteristics for the type of insured that is profitable for them. For example, a profitable customer might have to be a married female, is a homeowner, and has a short commute. Anybody who matches that profile will get the preferred car insurance rates and as a result will probably cut their rates substantially.

Insureds who don’t meet these standards will have to pay a higher rate with the end result being the customer not buying. If you listen closely, the ads state “drivers that switch” but not “everyone who gets a quote” will save that much if they switch. That’s the way insurance companies can make those statements. That is why it is so important to compare rate quotes every year. It’s just not possible to know which auto insurance company will give you the biggest savings.

The coverage is in the details

Learning about specific coverages of car insurance can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average car insurance policy.

Collision coverages – Collision insurance covers damage to your ILX caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, hitting a mailbox, crashing into a building, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive auto coverage – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as theft, a tree branch falling on your vehicle and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for immediate expenses such as X-ray expenses, funeral costs, surgery and ambulance fees. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Auto liability – This will cover damage or injury you incur to other’s property or people that is your fault. 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 limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims like repair bills for other people’s vehicles, attorney fees, court costs and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Acura ILX.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

More effort can pay off

Low-cost 2015 Acura ILX insurance can be sourced both online in addition to local insurance agencies, so you need to quote auto insurance with both in order to have the best price selection to choose from. Some insurance providers don’t offer the ability to get a quote online and most of the time these regional carriers sell through local independent agencies.

Throughout this article, we presented many ideas to save on 2015 Acura ILX insurance. It’s most important to understand that the more companies you get prices for, the higher the chance of saving money. Consumers may even find the best premium rates are with a smaller regional carrier. These companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

Much more information about car insurance can be read below:

• Safe Vehicles for Teens (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• What to do at the Scene of an Accident (Insurance Information Insitute)