2016 Acura ILX Insurance Quotes – 6 Tips to Save

If shopping for insurance quotes online is new to you, you can easily be bewildered by the sheer number of online insurance coverage companies and websites all claiming to save you money.

Choosing the best insurance company for you is quite easy. If you have car insurance now, you will be able to cut costs considerably using this information. Nevertheless, drivers can benefit from knowing the way insurance companies price insurance differently.

How to compare free auto insurance price quotes

Most major insurance companies like Progressive, Allstate and Geico give coverage price quotes directly from their websites. Comparing prices online is quite easy because you just enter the coverages you want as detailed in the form. After the form is submitted, the system automatically orders your driving record and credit report and generates a price based on the information you submitted.

Being able to quote online makes it easy to compare insurance prices but having to visit a lot of sites and type in the same information is monotonous and tiresome. Unfortunately, it is important to get many rate quotes if you are searching for the lowest auto insurance rates.

A more efficient way to find better auto insurance pricing requires only one form to return rates from a bunch of companies at once. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons much simpler. As soon as you send your information, it is rated with multiple companies and you can pick your choice of the pricing results. If you find a better price it’s easy to complete the application and purchase the new policy. The entire process takes just a few minutes to complete and may result in a nice savings.

To save time and find out what other companies charge, simply click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you copy your coverages just like they are on your policy. This helps ensure you will get rate quotes for the exact same coverage.

Auto insurance ads are enticing

Progressive, Allstate and Geico consistently run ads in print and on television. They all make an identical promise that you can save if you get a free insurance quote and switch to their company. How does each company sell you cheaper insurance coverage? This is the way they can do it.

Insurance providers quote their best rates for the type of customer that will most likely be profitable. A good example of a profitable customer could be over the age of 40, has no tickets, and the vehicle is rated for pleasure use. A driver who fits those characteristics will probably get the lowest car insurance rates and will probably cut their rates if they switch.

Potential customers who do not fit these standards will probably be forced to pay higher premiums with the end result being the prospect going elsewhere. If you pay attention, the ads say “people who switch” not “all people who quote” will save that much if they switch. That’s the way insurance companies can confidently advertise the savings. Because of the profiling, you should compare quotes as often as possible. It is impossible to guess which company will have the best prices.

Discount car insurance quotes

Some insurers don’t list the entire discount list very well, so the following is a list of a few of the more common and also the more inconspicuous discounts that may be available.

• Multi-line Discount – Select companies reward you with a lower premium rate if you buy some life insurance too.
• Air Bags and Passive Restraints – Vehicles equipped with air bags can qualify for discounts as much as 30%.
• Lower Rates for Military – Having a family member in the military could qualify you for better car insurance rates.
• Discounts for Government Workers – Simply working for the federal government could provide a small rate reduction on ILX coverage with select insurance companies.
• Driver Safety – Passing a safe driver course may get you a small discount depending on where you live.
• Drive Safe and Save – Drivers without accidents may receive a discount up to 45% on ILX coverage compared to rates paid by drivers with frequent claims.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Companies and their offered discounts can be read below.

• Farmers Insurance offers premium reductions for homeowner, distant student, multi-car, good student, teen driver, early shopping, and youthful driver.
• Esurance policyholders can earn discounts including good driver, defensive driver, anti-theft, claim free, anti-lock brakes, and multi-car.
• State Farm includes discounts for multiple policy, driver’s education, multiple autos, defensive driving training, passive restraint, and Drive Safe & Save.
• Geico has savings for military active duty, anti-lock brakes, seat belt use, multi-vehicle, and emergency military deployment.
• Allstate offers discounts for auto/life discount, utility vehicle, FullPay discount, EZ pay plan discount, new car, and 55 and retired.

Double check with each insurance company to apply every possible discount. Some of the earlier mentioned discounts might not apply in your area. To locate providers with the best discounts, follow this link.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that could help you determine if you could use an agent’s help.

• Is my vehicle covered by my employer’s policy when using it for work?
• Do I pay less for low miles?
• Am I missing any policy discounts?
• Do all my vehicles need collision coverage?
• What if I total my 2016 Acura ILX and owe more than it’s worth?
• Can my babysitter drive my car?
• Does my policy pay for OEM or aftermarket parts?
• Does my 2016 Acura ILX need full coverage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverage breakdown

Knowing the specifics of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for collisions

This covers damage to your ILX caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like chiropractic care, hospital visits, ambulance fees and dental work. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, theft and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance

Liability insurance protects you from damage that occurs to people or other property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as medical expenses, medical services and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Acura ILX.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Final thoughts

Low-cost 2016 Acura ILX insurance can be bought on the web as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some companies do not offer online quoting and most of the time these regional insurance providers sell through independent insurance agencies.

As you restructure your insurance plan, you should never buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice physical damage coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

In this article, we covered a lot of techniques to reduce 2016 Acura ILX insurance premium rates online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding the cheapest insurance. You may be surprised to find that the lowest premium rates come from an unexpected company.

More detailed insurance information can be found at these sites:

• Insuring a Leased Car (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Comprehensive Coverage (Liberty Mutual)