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Acura ILX Insurance Rates

You have many choices when buying insurance for your Acura vehicle. You can either contact your neighborhood insurance agent or price shop online to compare pricing from lots of different providers. Shopping for car insurance through online providers is simple to do, in addition you will probably save money.

Comparing car insurance rates direct online can be complicated if you have never used online rate quotes. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from different insurance companies. The recommended way to find the lowest Acura ILX insurance cost consists of shopping online. This is very easy and can be done by visiting this page.

Criteria which help determine your insurance rates

Insurance rates for your Acura ILX will vary greatly subject to many criteria. A few of these criteria are:

  • More performance equals higher cost
  • Your accident history
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Young drivers cost more
  • Being married can lower rates
  • Optional coverages like vehicle replacement
  • Your profession
  • The level of coverage
  • 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. Older cars and trucks have a much lower replacement value so the payout to repair can decrease annual premiums. Conversely, more recent Acura vehicles may have options such as active head restraints, an advanced theft deterrent system, and lane departure warning system so those may provide discounts that lower premiums.

To get a better idea how much rates will be for your vehicle, select the year of your ILX from the following list.

Liability auto insurance - Acura ILX liability coverage will cover injuries or damage you cause to other's property or people by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your Acura resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision) - Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage.

How Much are Acura ILX Insurance Rates?