2015 Acura ILX Insurance Rates

Did a good deal turn into high-priced insurance? Trust us when we tell you many consumers are in the same pinch. Due to the abundance of choices, it’s nearly impossible to choose a lower cost company.

Shopping for the best coverage is not that difficult. If you have a current car insurance policy or need a new policy, you can use these tips to cut your premiums and still get good coverage. Consumers only need an understanding of the most efficient way to compare company rates online.

Discounts for affordable insurance coverage rates

Auto insurance companies don’t always publicize the complete list of policy discounts very well, so the below list has a few of the more common as well as the least known credits available to bring down your rates.

  • Driver’s Education for Students – Have your child successfully complete driver’s ed class in high school.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could save 15% off the PIP or medical payment premium.
  • Auto/Life Discount – If the company offers life insurance, you could get a break if you buy some life insurance in addition to your auto policy.
  • Senior Citizens – Drivers that qualify as senior citizens can get reduced rates for ILX coverage.
  • Federal Government Employee – Being employed by or retired from a federal job could provide a small rate reduction for ILX coverage but check with your company.
  • Theft Deterent Discount – Cars equipped with anti-theft or alarm systems prevent vehicle theft and will qualify for a discount on a insurance quote.
  • Low Mileage – Keeping the miles down on your Acura can earn discounted premium rates on garaged vehicles.

A little disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

If you would like to view insurance coverage companies with significant discounts, click here to view.

Quote insurance coverage online

Cutting your insurance coverage rates is pretty simple and can save money. All that’s required is to spend a few minutes on the computer comparing rate quotes to discover which company has cheaper insurance quotes. It’s super easy and can be done in a couple of different ways.

  • Probably the best way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This type of form saves time by eliminating separate quotes for every insurance coverage company. One form gets insurance cost estimates from insurance coverage companies with the best prices.
  • Another way to analyze rates consists of visiting each individual company website and request a quote. For examples sake, we’ll assume you want to compare rates from Liberty Mutual, Farmers and GMAC. In order to get each rate, you would have to navigate to each company’s site and enter your policy data, which can take a lot of time. For a list of companies in your area, click here.
  • The most difficult way to compare price estimates is driving around to local insurance agencies. The fact that you can get quotes online can eliminate the need for a local agent unless your situation requires the professional guidance of a local agent. It is possible to comparison shop online but purchase the actual policy in an agency.

However you get your quotes, try to use exactly the same coverages and limits with each company. If you use different data you will not be able to find the best deal for your Acura ILX.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions can help discover if your situation would benefit from professional advice.

  • Do I have newly-aquired coverage?
  • Is motorclub coverage worth it?
  • Will my rates increase for filing one claim?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What is the ISO rating for a 2015 Acura ILX?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when driving a rental car?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Detailed coverages of your insurance policy

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are the normal coverages found on most insurance policies.

Auto collision coverage

This coverage pays for damage to your ILX caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, sustaining damage from a pot hole, damaging your car on a curb, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Coverage for liability

This will cover damage or injury you incur to other people or property. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as structural damage, bail bonds, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, a tree branch falling on your vehicle, a broken windshield, rock chips in glass and hitting a bird. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for dental work, EMT expenses and surgery. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Money doesn’t grow on trees

When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Some insurance providers don’t offer price quotes online and many times these smaller providers work with local independent agencies. Discount 2015 Acura ILX insurance can be found on the web as well as from independent agents, and you should compare rates from both to have the best rate selection.

Much more information about insurance can be found at the links below