2013 Acura ILX Car Insurance Quotes

Have you had enough of scraping the payment together each month for insurance? You have the same problem as many other drivers.

Having so many insurance providers from which to choose, it is very difficult to pick the lowest price company.

Buying more affordable insurance coverage is not that difficult. Basically, every driver who is required by state law to have insurance coverage will most likely be able to reduce their rates. But drivers can benefit from knowing how big insurance companies sell online.

The fastest way that we advise to compare insurance rates in your area is to know the trick most of the larger companies pay for the opportunity to quote your coverage. The one thing you need to do is give them rating details such as whether you have decent credit, your occupation, if a SR-22 is needed, and if the vehicle is leased. Your rating data is instantly sent to many of the top insurers and you receive quotes immediately.

Save money by taking advantage of discounts

Companies don’t necessarily list all available discounts very clearly, so we researched a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.

  • Good Grades Discount – Performing well in school may save you up to 25%. This discount can apply well after school through age 25.
  • Senior Citizens – Drivers over the age of 55 can get a small decrease in premiums on ILX coverage.
  • Passive Restraints and Air Bags – Options like air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
  • Telematics Data Discounts – Insureds who allow their company to study vehicle usage by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as they are good drivers.
  • Safety Course Discount – Completing a class that teaches defensive driver techniques could save 5% or more and easily pay for the cost of the class.
  • Drive Less and Save – Low mileage vehicles can qualify you for better prices on cars that stay parked.
  • Federal Government Employee – Employees or retirees of the government may qualify for a discount when you quote auto insurance on ILX coverage with certain companies.
  • Military Discounts – Being deployed with a military unit may lower your prices slightly.

A little note about advertised discounts, most discounts do not apply to the entire cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though it appears it’s possible to get free car insurance, that’s just not realistic.

To see providers who offer insurance discounts, click here.

How much auto insurance do I need?

When choosing coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether or not you might need an agent’s assistance.

  • Should I waive the damage coverage when renting a car?
  • Why am I required to get a high-risk car insurance policy?
  • When should I buy a commercial auto policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my ex-spouse still covered by my policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is upholstery damage covered by car insurance?
  • How much liability do I need to cover my assets?
  • Does my policy cover me when driving someone else’s vehicle?
  • What can I do if my company denied a claim?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

How you can control Acura ILX insurance costs

When buying car insurance it’s important to understand some of the elements that help calculate your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that could result in better car insurance rates.

  • Costs also based on gender – Statistics have proven women are more cautious behind the wheel. It does not mean females are better at driving than males. Both sexes get in accidents at a similar rate, but the male of the species cause more damage. In addition to higher claims, males also receive more costly citations like driving under the influence (DUI).
  • How’s your driving record? – Careful drivers get better rates as compared to those with violations. Even one speeding ticket may cause rates to rise to the point where it’s not affordable. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state in order to continue driving.
  • Marriage is a good thing – Walking down the aisle may cut your premiums when buying car insurance. It usually means you are more mature and statistics show drivers who are married are more cautious.
  • Prevent theft and save – Purchasing a vehicle with anti-theft technology or alarm system can help lower your premiums. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
  • Cheaper premiums with safer cars – Safer cars can get you lower premiums. Vehicles built for safety protect occupants better and better occupant protection means lower claim amounts passed on to you as lower rates.
  • Lower rates come with age – More mature drivers tend to be more responsible, are lower risk to insure and tend to be get fewer driving tickets.Teen drivers are proven to get distracted easily with other occupants in the car and because of this, their car insurance rates are much higher.

Insurance coverages explained

Learning about specific coverages of insurance can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.

Comprehensive auto coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, hail damage and damage from getting keyed. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

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

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like pain and suffering, structural damage, emergency aid, loss of income and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like chiropractic care, funeral costs and doctor visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision – Collision coverage pays for damage to your ILX from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a ditch, colliding with another moving vehicle, hitting a mailbox, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Buy Smart and Save

We just covered many ideas to lower your 2013 Acura ILX insurance premium rates. The key concept to understand is the more times you quote, the better chance you’ll have of finding cheap auto insurance. You may even find the lowest premium rates come from a small mutual company. Smaller companies often have lower prices on specific markets as compared to the big name companies such as Geico and State Farm.

Lower-priced 2013 Acura ILX insurance is possible on the web and from local agencies, so you need to shop auto insurance with both to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and these regional carriers provide coverage only through local independent agents.

While you’re price shopping online, never buy poor coverage just to save money. There have been many cases where drivers have reduced comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. The aim is to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

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