2014 Acura ILX Car Insurance Quotes – 6 Tips to Save

Looking for better auto insurance rates for your Acura ILX? Finding better insurance prices for an Acura ILX could be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to shop for auto insurance and we’ll show you the best way to get price quotes for a new or used Acura and get the lowest possible price either online or from local insurance agents.

It’s a good habit to get comparison quotes quite often since insurance rates go up and down regularly. Just because you found the best deal for ILX insurance a few years ago other companies may now be cheaper. There is a lot of bad advice regarding auto insurance on the internet, so with this article, you’re going to get some of the best ways to slash your auto insurance rates.

Finding Car Insurance

Performing a rate comparison can take time and effort if you don’t utilize the most efficient way to do it. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could save time and use the internet to get rates in a matter of minutes.

All the larger companies belong to an insurance system that enables customers to complete one form, and every company returns a rated price determined by their information. This prevents consumers from doing form submissions for each company you want a rate for.

To use this form to compare 2014 Acura ILX insurance rates click here to open in new window.

The one disadvantage to pricing coverage this way is you can’t choose which insurance companies to get pricing from. If you prefer to choose specific insurance companies to receive pricing from, we put together a list of low cost car insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but compare the exact same deductibles and coverage limits with each company. If your comparisons have mixed coverages it’s not possible to make a fair comparison for your Acura ILX.

Can switching companies really save?

Consumers get pounded daily by advertisements that promise big savings by companies like GEICO, State Farm and Progressive. They all have a common claim that you can save if you move to them.

How do they all make the same claim? This is how they do it.

All companies are able to cherry pick for the driver that earns them a profit. For example, a driver they prefer could possibly be over the age of 40, insures multiple vehicles, and chooses high deductibles. A driver who fits that profile is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who don’t measure up to this ideal profile will have to pay higher premiums and this can result in the customer not buying. Company advertisements say “customers that switch” not “people who quote” save that much. This is how companies can truthfully claim big savings. Because of the profiling, drivers must get as many quotes as possible. Because you never know which insurance companies will give you the biggest savings on Acura ILX insurance.

Discounts can save BIG

Companies offering auto insurance don’t always list all available discounts very well, so we researched both the well known and the harder-to-find ways to save on auto insurance. If you don’t get every credit available, you’re paying more than you need to.

  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for ILX insurance with certain companies.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Resident Student – Any of your kids living away from home attending college and do not have a car can receive lower rates.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • No Accidents – Claim-free drivers can earn big discounts compared to drivers who are more careless.

It’s important to understand that some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, you’re out of luck.

To see a list of insurers offering auto insurance discounts, click here to view.

Will just any policy work for me?

When buying coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique.

For example, these questions may help you determine whether you would benefit from professional advice.

  • Am I covered when pulling a rental trailer?
  • What is PIP insurance?
  • What is high-risk coverage and where do I buy it?
  • Am I covered if I hit a deer?
  • Which companies will insure high-risk drivers?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Car insurance coverage information

Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for X-ray expenses, prosthetic devices, surgery and hospital visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

This pays for damage to your ILX from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like backing into a parked car, rolling your car, hitting a parking meter, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, hail damage and vandalism. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages

This coverage protects you from damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like attorney fees, repair costs for stationary objects, emergency aid, pain and suffering and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Acura ILX.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Get your money’s worth

Affordable 2014 Acura ILX insurance can be bought on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

We just covered a lot of tips how to reduce insurance prices online. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the best prices are with a company that doesn’t do a lot of advertising.

Consumers who switch companies do it for any number of reasons including not issuing a premium refund, poor customer service, unfair underwriting practices or even delays in responding to claim requests. It doesn’t matter what your reason, switching auto insurance companies can be less work than you think.

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