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Acura ILX Hybrid Insurance Cost

Shopping for auto insurance online is easy, in addition you will probably save money. The key is to take the time to get as many rate quotes as possible in order to have the lowest rate quotes.

Consumers not familiar with comparing rates may think purchasing cheap ILX Hybrid insurance is very challenging. Lowering your ILX Hybrid insurance rates is not rocket science. You just need to take a few minutes comparing rates from different insurance companies. This is very easy and can be done by comparing rates here.

Criteria which help determine ILX Hybrid insurance quotes

Insurance rates for a Acura ILX Hybrid can vary widely based upon several criteria. A few of these criteria are:

  • Your driving record
  • Credit rating
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • NTSB crash rating for your vehicle
  • No claims lowers premiums
  • No coverage lapses saves money
  • Owning a home can lower rates

One last important factor that will help determine the rate you pay on your Acura is the year of manufacture. Newer models have a higher replacement value so repair costs are higher which can inflate annual premiums. Conversely, more recent Acura vehicles may have options such as pedestrian detection, dual-stage airbags, and blind-spot warning system which can lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability coverage

Liability insurance will cover injuries or damage you cause to other people or property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision insurance

Collision coverage will pay to fix damage to your Acura 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. ILX Hybrid collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.

How Much are Acura ILX Hybrid Insurance Rates?