How Much Does 2018 Acura ILX Car Insurance Cost?

Have you finally had enough of wondering where the money will come from to keep your car insured? You are no different than many other consumers. With so many choices, it is hard for the average consumer to choose the most affordable company.

It’s a good habit to price shop coverage quite often because auto insurance prices trend upward over time. Just because you had the lowest rates on ILX insurance a few years ago there is a good chance you can find better rate quotes now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the proper way to reduce your cost while improving coverage.

Buying car insurance is easy if you know what you’re doing. If you have a current auto insurance policy or are shopping for new coverage, you can use these tips to shop for the lowest rates and possibly find even better coverage. Drivers only need an understanding of the proper way to get comparison rates online.

Lower-cost insurance rates with discounts

The cost of insuring your cars can be expensive, but there may be some discounts that may help make it more affordable. Some discounts apply automatically at the time of quoting, but some must be specially asked for before they will apply. If you are not receiving all the discounts you deserve, you are just wasting money.

• Defensive Driver Discount – Taking a course that instructs on driving safety could possibly earn you a 5% discount and also improve your driving technique.
• Discount for Swiching Early – Some larger companies give discounts for switching companies before your current policy expires. Ten percent is about the average savings.
• Save over 55 – Seniors may be able to get a discount up to 10% on ILX insurance.
• Own a Home and Save – Owning your own home or condo can get you a discount because owning a home is proof of financial responsibility.
• No Claims – Insureds with no claims or accidents are rewarded with significantly better rates on car insurance quote when compared to bad drivers.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft so companies will give you a small discount.

As is typical with insurance, most credits do not apply the the whole policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Some companies that may offer quotes with most of these discounts include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

If you need lower rates, check with every company to apply every possible discount. A few discounts may not be offered in your area. To choose companies with discount rates, click here to view.

The best way to compare rate quotes is to know the fact most of the bigger providers pay for the opportunity to quote your coverage. To start a quote, the only thing you need to do is spend a couple of minutes providing details including your general credit rating, your education level, whether the vehicles are used for commuting, and what you do for a living. The data is instantly submitted to multiple different insurance companies and you will get price comparisons within a short period of time.

To get price quotes for your 2018 Acura ILX now, click here then complete the form.

Four things that affect your insurance prices

Smart consumers have a good feel for the different types of things that are used to determine the price you pay for insurance coverage. If you have some idea of what determines premiums, this helps enable you to make changes that may reward you with cheaper rates. Lots of factors are used when you get a price on insurance. Some factors are common sense like your driving record, although others are not quite as obvious such as whether you are married and annual miles driven.

• More traffic means higher claims – Living in a rural area may provide you with better prices when talking about insurance coverage. Less people living in that area corresponds to lower accident rates as well as less vandalism and auto theft. People who live in big cities tend to have more aggressive driving styles and a longer drive to work. Higher commute times statistically corresponds to a higher accident and claim rate.
• Discounts for GPS tracking and theft deterrents – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent auto theft and help lower rates.
• Raising deductibles lowers prices – Physical damage deductibles are how much you are willing to pay if you file a covered claim. Physical damage insurance, aka comp and collision, is used to repair damage to your car. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, and damage caused by road hazards. The more expense you choose to pay out-of-pocket, the better rate you will receive on ILX insurance.
• Cars with good safety ratings cost less to insure – Cars with five star safety ratings tend to have better insurance rates. Vehicles built for safety reduce injuries and fewer injuries means less claims paid which can result in lower premiums. If the Acura ILX is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might help in determining whether or not you would benefit from an agent’s advice.

• Can my babysitter drive my car?
• What should my uninsured motorist coverage limits be in my state?
• Does my liability insurance cover pulling a trailer or camper?
• Do I need added coverage for expensive stereo equipment?
• When do I need to add a new car to my policy?
• Where can I find high-risk insurance?
• Do I need medical payments coverage since I have good health insurance?
• Is my business laptop covered if it gets stolen from my vehicle?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Insurance coverage specifics

Learning about specific coverages of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

Collision coverage protection

This covers damage to your ILX resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, hitting a mailbox, crashing into a building, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability coverage

Liability coverage can cover damage or injury you incur to other people or property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for things such as structural damage, attorney fees and emergency aid. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills like surgery, pain medications and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage

This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, fire damage and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Make an honest buck

You just learned many ideas to get a better price on 2018 Acura ILX insurance. The key thing to remember is the more price quotes you have, the better likelihood of getting cheaper car insurance. You may even find the most savings is with the smaller companies. Smaller companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

Cheaper insurance is available online as well as from independent agents, so get free car insurance quotes from both of them in order to have the best chance of saving money. Some companies don’t offer the ability to get a quote online and most of the time these regional carriers work with independent insurance agencies.

For more information, take a look at these articles:

• Get the Right Protection (InsureUonline.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)