Cheap 2014 Acura ILX Insurance Quotes

Trying to find cheaper insurance rates for your Acura ILX? If price shopping insurance coverage quotes online is new to you, it’s easy to be confused thanks to the vast number of insurers all advertising big savings.

Decisions you make can impact your insurance prices

Lots of factors are part of the calculation when you get a price on insurance. Some are pretty understandable like an MVR report, although others are more obscure such as your marital status or how safe your car is.An important part of buying insurance is that you know some of the factors that help determine insurance rates. When consumers understand what influences your rates, this enables informed choices that will entitle you to much lower annual insurance costs.

The list below includes some of the factors used by companies to determine your prices.

  • Know your vehicle’s IIHS safety rating – Vehicles that have high safety ratings cost less to insure. Safer cars reduce injuries and reduced instances of injuries means less money paid by your insurance company which can mean better rates for you.
  • Poor credit decisions can cost you – Having a good credit rating can be an important factor in determining premium rates. Therefore, if your credit can use some improvement, you could be paying less to insure your 2014 Acura ILX if you clean up your credit. People with high credit scores tend to file fewer claims than those with worse credit.
  • Younger drivers pay higher prices – More experienced drivers are proven to be safer behind the wheel, are lower risk to insure and get fewer tickets.Inexperience drivers are known to be easily distracted when driving with friends so they pay higher insurance rates.
  • Being married pays dividends – Having a wife or husband may cut your premiums on your policy. Marriage usually means you are more mature and responsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

Low cost insurance quotes

Shopping for lower insurance rates can take hours if you aren’t aware of the easiest way. You could spend the better part of a day talking about coverages with agents in your area, or you can utilize the web to get rates in a matter of minutes.

Many of the larger companies participate in an industry program that allows shoppers to submit one quote, and every company provides a quote based on that data. This eliminates the need for form submissions for each company.

To submit your quote information now, click to open in new window.

The one disadvantage to doing it this way is you don’t know exactly which companies to receive prices from. So if you want to select specific insurance companies to compare prices, we put together a list of companies who write insurance in your area. View list of insurance companies.

Take whichever approach you prefer, but compare equivalent quote data on every quote you get. If you use different liability limits it will be very difficult to determine the lowest rate for your Acura ILX. Just a small difference in limits can mean a large discrepancy in price. Keep in mind that comparing a wide range of rates gives you a better chance of getting lower pricing.

These discounts can reduce car insurance rates

Car insurance is neither fun to buy or cheap, but discounts can save money and there are some available that could drop your premiums quite a bit. Certain credits will be shown when you get a quote, but some need to be specially asked for before being credited.

  • Theft Deterent – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Homeowners Pay Less – Owning your own home or condo can get you a discount because it shows financial diligence.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you can avoid the installment charge.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Discount for Swiching Early – Some companies reward drivers for switching policies prior to your current policy expiring. It can save you around 10%.
  • Employee of Federal Government – Having worked for a branch of the government could provide a small rate reduction on ILX insurance but check with your company.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could save 15% off the PIP or medical payment premium.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have all your vehicles with the same car insurance company could earn a price break for each car.
  • Drive Safe and Save – Insureds without accidents can save up to 40% or more on their insurance coverage quote on ILX insurance compared to accident prone drivers.
  • Professional Memberships – Being in qualifying clubs or civic groups could qualify you for a break on your policy.

Policy discounts save money, but most discount credits are not given the the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. Even though the math looks like adding up those discounts means a free policy, that’s just not realistic.

A few companies who may offer these discounts may include but are not limited to:

When getting a coverage quote, ask all companies you are considering what discounts are available to you. Some of the discounts discussed earlier may not apply to policies in your area. For a list of insurance companies with discount rates, click here.

When do I need an agent’s advice?

When it comes to choosing the right insurance coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether you could use an agent’s help.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my insurance cover my expensive audio equipment?
  • Why does it cost so much to insure a teen driver?
  • Is my 2014 Acura ILX covered for flood damage?
  • Why am I required to buy high-risk coverage?
  • Does my insurance cover a custom paint job?
  • Does my 2014 Acura ILX need full coverage?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage specifics

Having a good grasp of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Acura ILX.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision coverages – Collision insurance covers damage to your ILX caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like damaging your car on a curb, colliding with a tree, crashing into a building, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, damage from flooding, hitting a bird, hail damage and hitting a deer. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses like ambulance fees, prosthetic devices, surgery, chiropractic care and EMT expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability car insurance – Liability insurance will cover damage that occurs to people or other property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like medical expenses, funeral expenses, legal defense fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Knowledge is power

Consumers change insurance companies for a variety of reasons including policy non-renewal, not issuing a premium refund, delays in paying claims or being labeled a high risk driver. Regardless of your reason, finding a new company is pretty simple and you could end up saving a buck or two.

As you restructure your insurance plan, never buy less coverage just to save a little money. There have been many cases where someone dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

You just learned a lot of information how to shop for 2014 Acura ILX insurance online. It’s most important to understand that the more price quotes you have, the higher your chance of finding inexpensive insurance coverage. Consumers could even find that the lowest priced car insurance comes from a smaller regional carrier.

Much more information about car insurance can be read on the following sites: