2016 Acura ILX Car Insurance Quotes

Expensive auto insurance can drain your personal savings and put a big crunch on your finances. Comparing price quotes is a smart way to help make ends meet. Insurance companies such as Geico, Farmers Insurance and State Farm constantly blast consumers with fancy advertisements and consumers find it hard to ignore the promise of big savings and find the best price available.

The easiest way to compare policy rates is to know almost all companies have advanced systems to provide you with free rate quotes. To start a quote, the only thing you need to do is give them rating details such as if the car is leased, how much coverage you want, if you went to college, and marital status. Your details is automatically sent to multiple top-rated companies and they respond with quotes instantly to find the best rate.

To get price quotes for your , click here then complete the form.

Save money by taking advantage of these discounts

Companies do not list every available discount in a way that’s easy to find, so we break down some of the more common and also the lesser-known ways to save on auto insurance. If you aren’t receiving every discount available, you are paying more than you should be.

  • Seat Belts Save – Requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for ILX insurance than drivers with accidents.
  • Low Mileage – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • E-sign – Certain companies may give you up to $50 simply for signing online.
  • Life Insurance Discount – Larger companies have a break if you buy life insurance.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck.

Insurance companies that may have these benefits are:

It’s a good idea to ask all companies you are considering which discounts they offer. Discounts might not be offered in your area.

When should I use an insurance agent?

When it comes to buying proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that. For example, these questions might help in determining whether you could use an agent’s help.

  • Will I be non-renewed for getting a DUI or other conviction?
  • When would I need rental car insurance?
  • I don’t drive much so do I pay less?
  • Are my friends covered when driving my car?
  • Should I buy only the required minimum liability coverage?
  • Who is covered when they drive my 2016 Acura ILX?
  • Is my teen driver covered when they drive my company car?
  • What are the financial responsibility laws in my state?
  • Should I waive the damage coverage when renting a car?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Car insurance coverages for a 2016 Acura ILX

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages found on most car insurance policies.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family 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 a good idea.

Comprehensive car insurance – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, damage from a tornado or hurricane, hitting a deer, rock chips in glass and a broken windshield. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for immediate expenses for chiropractic care, rehabilitation expenses and hospital visits. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Liability – Liability coverage provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like attorney fees, court costs and loss of income. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Collision coverages – This coverage will pay to fix damage to your ILX from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as colliding with a tree, hitting a parking meter, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.