2017 Acura ILX Insurance Rates – 5 Savings Tips

If you are new to online insurance coverage, by this point your are probably baffled thanks to the vast number of companies all promising to save you money.

Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. But vehicle owners should learn the methods companies use to compete online and apply this information to your search.

Where can I get affordable insurance?

To find low cost auto insurance quotes, there are several ways to compare rate quotes from many insurance companies in your state. One of the best ways to find the cheapest 2017 Acura ILX insurance rates is to get quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. One of the fastest ways consumers can analyze rates is a comparison rater form click to view form in new window. This method saves time by eliminating separate quote forms for every prospective company. A single form gets insurance cost estimates direct from many companies. It’s the fastest way to compare.
  2. Another way to find more affordable insurance consists of going to the website for every company you want to comare to complete a price quote. For instance, let’s assume you want to see prices from Progressive, Liberty Mutual and State Farm. To get each rate you have to navigate to each company’s site to input your insurance information, which is why first method is reommended.

    For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but make sure you use apples-to-apples coverage data on every price quote you get. If your comparisons have higher or lower deductibles it will be very difficult to determine the lowest rate for your Acura ILX. Quoting even small variations in coverages can make a big difference in price. Just remember that getting more free quotes helps increase your odds of locating the best price. Not every company provides prices over the internet, so it’s recommended that you also compare prices from those companies as well.

More discounts mean affordable premiums

Auto insurance companies don’t necessarily list all available discounts very well, so the below list has both well-publicized and the more hidden credits that may apply to you. If you check and find you aren’t receiving every discount you qualify for, you are throwing money away.

  • E-sign Discounts – Many car insurance companies provide a small discount for buying your policy online.
  • Theft Deterent – Vehicles optioned with advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Discount for Multiple Policies – If you can combine your auto and homeowners policy and place coverage with the same company you could get a discount of up to 20% and get you cheap auto insurance.
  • Good Student Discount – Excelling in school could provide a savings of up to 20% or more. This discount can apply until age 25.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.

Policy discounts save money, but most of the big mark downs will not be given to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, that’s just not realistic. But any discount will definitely reduce your policy cost.

Companies and a partial list of their discounts can be found below.

  • State Farm has discounts for Drive Safe & Save, driver’s education, anti-theft, student away at school, multiple autos, and good driver.
  • American Family policyholders can earn discounts including early bird, good driver, good student, mySafetyValet, and accident-free.
  • AAA may offer discounts for multi-car, good student, education and occupation, pay-in-full, anti-theft, good driver, and multi-policy.
  • Geico offers premium reductions for daytime running lights, air bags, military active duty, membership and employees, federal employee, seat belt use, and five-year accident-free.
  • Mercury Insurance may include discounts for annual mileage, low natural disaster claims, age of vehicle, anti-theft, ease of repair, good student, and type of vehicle.
  • Farmers Insurance offers discounts for early shopping, youthful driver, pay in full, electronic funds transfer, teen driver, and business and professional.
  • Progressive includes discounts for online signing, multi-vehicle, continuous coverage, online quote discount, and multi-policy.

Check with all the companies how many discounts you can get. Some of the earlier mentioned discounts may not apply to policies in your area. If you would like to view providers offering car insurance discounts, click this link.

It’s not one size fits all

When buying coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether your personal situation may require specific advice.

  • Does my policy pay for OEM or aftermarket parts?
  • What is medical payments coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered by my spouse’s policy after a separation?
  • When can I cancel my policy?
  • What is roadside assistance coverage?
  • Are my friends covered when driving my 2017 Acura ILX?
  • What can I do if my company denied a claim?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Save $462 a year! What?

Respected companies like Allstate and Progressive regularly use ads in print and on television. They all make the point that people will save if you get a free auto insurance quote and switch your insurance coverage to their company. Is it even possible that every company can make the same claim? It’s all in the words they use.

Many companies have specific guidelines for the type of driver they prefer to insure. For example, this type of insured may be between the ages of 40 and 55, has other policies, and insures a new vehicle. Anybody who matches those parameters will probably get cheap prices and will save when they switch companies.

Potential insureds who are not a match for this ideal profile will see higher premiums and business not being written. If you pay attention, the ads say “people that switch” not “everybody who quotes” save the amount stated. That is how companies can make those statements. Because of this risk profiling, you should compare free auto insurance quotes often. You cannot predict which insurance company will give you the biggest savings.

Educate yourself about insurance coverages

Knowing the specifics of insurance aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as nursing services, dental work, rehabilitation expenses, X-ray expenses and ambulance fees. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability insurance

Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

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 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as attorney fees, court costs, legal defense fees, structural damage and bail bonds. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, vandalism, fire damage, hitting a deer and rock chips in glass. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, hitting a parking meter, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Acura ILX.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

The best insurance company isn’t always the cheapest

Some insurance companies do not provide rates over the internet regional insurance providers work with independent agencies. Cost effective 2017 Acura ILX insurance is possible on the web as well as from insurance agents, and you need to price shop both so you have a total pricing picture.

We’ve covered many tips how you can get a better price on 2017 Acura ILX insurance. The most important thing to understand is the more quotes you get, the better your chances of lowering your premium rates. You may even discover the most savings is with a company that doesn’t do a lot of advertising.

People change insurance companies for a number of reasons such as delays in responding to claim requests, extreme rates for teen drivers, questionable increases in premium and an unsatisfactory settlement offer. Regardless of your reason, finding the right auto insurance provider can be pretty painless.

More detailed auto insurance information can be found in the articles below: