2018 Acura ILX Car Insurance Rates – 10 Tips to Save

Do you get overwhelmed by the crazy number of insurance coverage companies that you can choose from? Drivers have such a vast assortment of companies available that it can turn into a difficult challenge to find better premium rates.

It is always a good idea to compare rates before your next renewal because prices are rarely the same from one policy term to another. Even if you got the lowest rates for ILX insurance last year you can probably find a better rate quote now. Forget all the misinformation about insurance coverage because you’re about to find out how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

Auto insurance policy discounts you can’t miss

Some providers do not list all possible discounts in an easy-to-find place, so we researched a few of the more well known as well as some of the hidden credits that you can use to lower your rates. If you aren’t receiving every discount you qualify for, you could be paying more than you need to.

  • Good Grades Discount – Being a good student can save 20 to 25%. This discount can apply until age 25.
  • Seat Belts Save – Forcing all vehicle occupants to buckle up may be able to save a few bucks on the medical payments or PIP coverage costs.
  • ABS and Traction Control Discounts – Cars equipped with ABS or steering control are much safer to drive so companies give up to a 10% discount.
  • Discount for New Cars – Insuring a new car can be considerably cheaper due to better safety requirements for new vehicles.
  • Payment Method – If you can afford to pay the entire bill rather than paying monthly you can avoid monthly service charges.
  • Safety Course Discount – Participating in a class that teaches driver safety techniques could possibly earn you a 5% discount and make you a better driver.
  • Distant Student Discount – Older children who live away from home at college and do not have a car could qualify for this discount.
  • Homeowners Pay Less – Simply owning a home can earn you a little savings due to the fact that maintaining a home requires a higher level of personal finance.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you could save as much as 10 to 15 percent.
  • No Charge for an Accident – but some companies like Allstate and Geico permit an accident before your rates go up so long as you are claim-free before the accident.

Remember that most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will bring down the premium cost.

To find insurance companies that offer the discounts shown above, click this link.

Is there truth in advertising?

Insurance coverage providers like Progressive, Geico, Allstate and State Farm endlessly run ads on TV and radio. All the ads seem to make the promise that you’ll save big just by moving your coverage to them. How does every company say the same thing? It’s all in the numbers.

Many companies have an ideal profile for a prospective insured that makes them money. An example of this type of insured may need to be a female over age 40, has no prior claims, and drives a safe vehicle. Someone who meets those qualifications will most likely get cheap car insurance rates and as a result will probably save money with a new company.

Drivers who do not meet this stringent profile will be charged higher prices with the end result being the prospect going elsewhere. The ads say “drivers who switch” not “everybody who quotes” save that much when switching. That’s why insurance companies can make it sound like they have such great car insurance rates. This emphasizes why drivers must get a wide range of price quotes. Because you never know with any certainty which company will have the lowest rates for your situation.

Insurance agents can help

When it comes to choosing adequate coverage, there really is no “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions can aid in determining if your insurance needs could use an agent’s help.

  • Does my personal policy cover me when driving out-of-state?
  • Am I better off with higher deductibles on my 2018 Acura ILX?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What are the financial responsibility laws in my state?
  • Are rental cars covered under my policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Why is insurance for a teen driver so high?
  • If I drive on a suspended license am I covered?
  • When should I buy a commercial auto policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance specifics

Having a good grasp of your policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Liability coverage

This will cover damage or injury you incur to other people or property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like medical services, legal defense fees, medical expenses and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

This coverage covers damage to your ILX from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, damaging your car on a curb, backing into a parked car, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverages

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, falling objects, damage from a tornado or hurricane, theft and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Med pay and PIP coverage pay for expenses for prosthetic devices, nursing services and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Smart shoppers get results

People leave their current company for many reasons like high rates after DUI convictions, poor customer service, delays in responding to claim requests and even denial of a claim. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

We just presented a lot of information how to compare 2018 Acura ILX insurance car insurance rates online. The key thing to remember is the more you quote car insurance, the higher your chance of finding inexpensive car insurance. You may even find the lowest car insurance rates come from some of the lesser-known companies.

A few companies do not provide online rate quotes and usually these smaller providers work with independent insurance agencies. Lower-priced insurance coverage can be purchased from both online companies in addition to many insurance agents, so you need to compare both in order to have the best chance of saving money.

More information is available on the following sites: