Lower Your 2018 Acura ILX Insurance Cost

Searching for lower auto insurance rates for your Acura ILX? Did you come to the realization that you have overpriced auto insurance? Don’t feel bad because many consumers are in the same pinch.

You have multiple auto insurance companies to buy insurance from, and although it’s nice to be able to choose, more options can take longer to get the best deal.

How to buy insurance coverage online

There are several ways to compare quotes from insurance coverage companies in your area. The simplest method to do a complete rate comparison is to jump online and get quotes. This is quite simple and can be completed in a couple minutes as outlined below.

  1. The recommended way to get quotes is an all-inclusive rate comparison click to view form in new window. This easy form prevents you from having to do repetitive form submissions for every company. Filling out one form gets rate comparisons from many national carriers.
  2. A more difficult way to get quotes online is spending the time to visit the website for every company you want to comare and complete a new quote form. For instance, let’s assume you want to get rates from Allstate, State Farm and Travelers. You would be required to go to every website and punch in your information repeatedly, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.
  3. If you have time to kill, the last way to compare price quotes is to drive around to insurance agents’ offices. Doing it all online eliminates the need for an insurance agent unless you have a need for the professional assistance that only a licensed agent can provide. However, consumers can comparison shop your insurance online and have a local agent actually service the policy.

Take whichever approach you prefer, but ensure you’re using nearly identical quote data with each company. If you have different limits and deductibles on each one it will be next to impossible to truly determine the lowest rate. Having just a slight variation in coverages could mean much higher rates. It’s important to know that comparing more rates from different companies will improve the odds of getting a lower rate.

Insurance coverage rates and discounts

Insurance coverage is expensive, but there are discounts available that you may not even be aware of. Many of these discounts will be applied automatically when you purchase, but some discounts are required to be inquired about prior to getting the savings.

  • Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like Geico, State Farm, and Progressive will turn a blind eye to one accident before your rates go up if you have no claims before the accident.
  • Driver Training Discounts – Participating in a defensive driver class could earn you a small percentage discount and easily recoup the cost of the course.
  • Pay Early and Save – If you pay your bill all at once as opposed to paying monthly you can actually save on your bill.
  • Multiple Policy Discount – If you combine your homeowners and auto policies with the same company you may save 10% to 20% off each policy.
  • Student in College – who are enrolled in a college that is more than 100 miles from home and leave their car at home can be insured at a reduced rate.
  • Lower Rates for Military – Being deployed in the military may qualify for rate reductions.
  • Homeowners Pay Less – Just being a homeowner can earn you a little savings since home ownership requires a higher level of personal finance.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most cut specific coverage prices like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

Some of the insurance companies that possibly offer many of the previously listed discounts possibly include:

Before you buy a policy, ask each insurance company how many discounts you can get. All car insurance discounts might not be offered on policies in every state. If you would like to view insurers that offer discounts, click here.

Situations that may require an agent’s advice

When choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. These are some specific questions may help you determine if your situation will benefit from professional help.

  • Does my liability insurance cover pulling a trailer or camper?
  • Is extra glass coverage worth it?
  • Am I insured when driving a different vehicle?
  • How many claims can I have before being cancelled?
  • Do I have coverage for damage caused while driving under the influence?
  • When can I cancel my policy?
  • Which is better, split liability limits or combined limits?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Information about specific coverages

Understanding the coverages of your car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages offered by car insurance companies.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, a tree branch falling on your vehicle, a broken windshield and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance

Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has 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 policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like repair costs for stationary objects, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like rehabilitation expenses, dental work, doctor visits and pain medications. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your 2018 Acura ILX.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage protection

Collision coverage will pay to fix damage to your ILX caused by collision 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 coverage pays for things such as rolling your car, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.