2015 Acura ILX Car Insurance Rates – 9 Ideas for Best Quotes

Getting the lowest cost insurance on the internet can be intimidating for consumers new to quoting and comparing rates and buying insurance on the web. With such a large number of online companies available, how are we expected to have a chance to compare each option to find better rates?

It is always a good idea to check insurance prices quite often because insurance rates trend upward over time. Despite the fact that you may have had the lowest rate for ILX insurance last year a different company probably has better prices today. Block out anything you think you know about insurance because it’s time to teach you the fastest and easiest way to find lower rates on insurance.

Buying car insurance is not that difficult. Just about everyone who has to buy insurance coverage most likely will be able to find lower rates. But vehicle owners need to learn the methods companies use to price insurance differently and take advantage of how the system works.

The best way to get rate comparisons is to realize most of the larger companies provide online access to compare rate quotes. All consumers are required to do is give them rating details including if the car is leased, how your vehicles are used, if your license is active, and any included safety features. Your information is instantly sent to all major companies and you will receive price estimates with very little delay.

To check rates for your 2015 Acura ILX now, click here and enter the information requested.

Can you really save $395 a year?

Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. All the ads tend to make the same promise that people will save if you change your coverage. How do they all make almost identical claims? This is how they do it.

Insurance providers are able to cherry pick for the type of driver that earns them a profit. One example of a profitable customer may need to be a married male, owns their home, and chooses high deductibles. A customer who matches those parameters will get the preferred prices and most likely will pay quite a bit less when switching companies.

Drivers who cannot meet this stringent profile will probably be forced to pay a higher premium which results in business not being written. If you listen to the ad wording, they say “customers that switch” not “everybody who quotes” save the amount stated. That’s why insurance companies can make those statements. This really drives home the point why you absolutely need to get as many free auto insurance quotes as possible. It’s just not possible to know with any certainty which company will fit your personal profile best.

Take these nine policy discounts and save

Car insurance companies do not list every discount very well, so the list below gives a summary of a few of the more common and also the more inconspicuous discounts that you can inquire about if you buy auto insurance online.

  • Savings for New Vehicles – Insuring a new car may earn a small discount since new vehicles are generally safer.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save a little on medical payment and PIP coverage.
  • Drive Safe and Save – Insureds who avoid accidents can get discounts for up to 45% lower rates for ILX insurance than drivers with accidents.
  • Include Life Insurance and Save – Select insurance carriers reward you with a small discount if you purchase a life insurance policy as well.
  • Accident Forgiveness – This one is not really a discount per se, but certain companies will turn a blind eye to one accident without raising rates if your claims history is clear for a specific time period.
  • Good Student – This discount can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Homeowners Savings – Just being a homeowner can get you a discount because it is proof of financial responsibility.
  • Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
  • Multi-policy Discount – If you have multiple policies with one company you could earn a discount of up to 20% off your total premium.

Don’t be shocked that some credits don’t apply to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky.

A few popular companies and a partial list of their discounts can be found below.

  • Farm Bureau has discounts for safe driver, multi-vehicle, driver training, 55 and retired, good student, renewal discount, and multi-policy.
  • Liberty Mutual policyholders can earn discounts including multi-car, teen driver discount, new vehicle discount, hybrid vehicle, and good student.
  • State Farm includes discounts for safe vehicle, accident-free, driver’s education, anti-theft, and multiple policy.
  • Auto-Owners Insurance has savings for safe vehicle, anti-lock brakes, paperless, company car, and mature driver.
  • GEICO offers discounts for anti-lock brakes, five-year accident-free, daytime running lights, multi-vehicle, seat belt use, and good student.
  • SAFECO offers discounts including teen safety rewards, bundle discounts, anti-theft, multi-car, accident prevention training, and safe driver.

Before buying, ask all the companies what discounts are available to you. Discounts might not apply in every state. To see a list of providers that offer the discounts shown above, click this link.

Which policy gives me the best coverage?

When buying proper insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions might help in determining whether you might need professional guidance.

  • Which companies will insure high-risk drivers?
  • Can my babysitter drive my car?
  • Can I drive in Mexico and have coverage?
  • Exactly who is provided coverage by my policy?
  • Why is insurance for a teen driver so high?
  • Are my friends covered when driving my 2015 Acura ILX?
  • Is my cargo covered for damage or theft?
  • Is business equipment covered while in my vehicle?
  • How many claims can I have before being cancelled?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverage options for an Acura ILX

Understanding the coverages of your car insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Liability coverage

This coverage provides protection from damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like pain and suffering, emergency aid, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

This coverage covers damage to your ILX caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, backing into a parked car, damaging your car on a curb, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage pay for bills such as dental work, funeral costs and pain medications. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverages

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

Comprehensive insurance covers things like theft, vandalism and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Spend less. Save more.

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped liability coverage limits only to discover later they didn’t have enough coverage. Your focus should be to buy a smart amount of coverage at the best cost and still be able to protect your assets.

Insureds change insurance companies for any number of reasons including delays in responding to claim requests, high rates after DUI convictions, policy cancellation and even delays in paying claims. It doesn’t matter what your reason, finding a great new company is not as hard as you think.

In this article, we presented many ways to compare 2015 Acura ILX insurance prices online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest priced insurance comes from an unexpected company.

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