Cheap 2014 Acura ILX Hybrid Insurance Quotes in 2024

Want the cheapest insurance rates for your Acura ILX Hybrid? Are you burned out from paying out the nose to pay high insurance rates every month? You are no different than many other consumers.

Multiple insurance companies compete to insure your vehicles, so it can be very hard to choose a provider to find the lowest price

It is always a good idea to get comparison quotes every six months due to the fact that insurance prices go up and down regularly. If you had the lowest price on ILX Hybrid insurance two years ago there may be better deals available now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate one of the easiest ways to eliminate unnecessary coverages and save money.

If you are paying for car insurance now, you should be able to reduce your rates substantially using this information. Finding affordable coverage is quite easy. Nevertheless, car owners must learn the way insurance companies price insurance differently and use this information to your advantage.

Auto insurance discounts are available to reduce your rates

Some companies do not list all available discounts very well, so below is a list some of the best known as well as the least known auto insurance savings.

• Resident Student – who are enrolled in a college that is more than 100 miles from home and don’t have a car can receive lower rates.
• Anti-lock Brake System – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
• Driving Data Discount – Drivers who elect to allow driving data collection to study when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot could possibly reduce rates if they show good driving skills.
• Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid monthly service charges.
• Accident Forgiveness – Not necessarily a discount, but certain companies allow you one accident before raising your premiums with the catch being you have to be claim-free for a set time period.
• Discounts for Cautious Drivers – Drivers who avoid accidents may receive a discount up to 45% on ILX Hybrid insurance than their less cautious counterparts.

Discounts lower rates, but most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

A list of auto insurance companies and some of the premium reductions they offer are included below.

• GEICO discounts include driver training, daytime running lights, membership and employees, federal employee, and multi-policy.
• Auto-Owners Insurance has discounts for company car, good student, multiple vehicles, anti-theft, safe vehicle, air bags, and student away at school.
• American Family offers discounts for air bags, good student, TimeAway discount, bundled insurance, early bird, and good driver.
• Esurance may include discounts for Switch & Save, emergency road assistance, homeowner, multi-policy, and online quote.
• Progressive may offer discounts for good student, continuous coverage, homeowner, online signing, multi-vehicle, and multi-policy.
• State Farm offers discounts including multiple policy, Drive Safe & Save, defensive driving training, good driver, anti-theft, and accident-free.
• AAA policyholders can earn discounts including good student, AAA membership discount, multi-policy, education and occupation, good driver, and multi-car.

Before you buy a policy, ask every company how you can save money. All car insurance discounts may not apply to policyholders in every state. If you would like to choose from a list of insurers with discount rates, enter your zip code here.

Compare free insurance coverage quotes

The majority of larger companies such as Progressive, Allstate and GEICO make it easy to get price estimates on their websites. Doing online quotes is fairly simple as you just enter the coverages you want on the page. Upon sending the form, the company’s rating system orders reports for credit and driving violations and returns pricing information based on these factors. Online price estimates makes it a lot easier to compare rates but the process of having to visit many different websites and type in the same information can get tiresome after awhile. But it is imperative to get many rate quotes if you want to find better prices.

Isn’t there an easier way to compare rates?

The smarter way to find better insurance coverage pricing makes use of a single form to obtain quotes from many companies. The form is fast, eliminates form submissions, and makes price shopping online much more enjoyable. After sending the form, it is quoted and you are able to buy any one of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The entire process takes 15 minutes at the most and you will find out if you’re overpaying now.

To quickly fill out one form to compare multiple rates now, simply enter your zip code here and complete the simple form. To compare your current rates, we recommend you complete the form with your coverages just like they are on your policy. This way, you will have rate quotes for exact coverage.

Why smart buyers pay less for Acura ILX Hybrid insurance

Lots of factors are used when you get your auto insurance bill. Some factors are common sense such as your driving history, but other factors are not quite as obvious such as your marital status or how safe your car is. An important part of buying insurance is that you know the factors that help determine insurance rates. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in lower rates.

• Tickets and citations cost more than a fine – Your driving citation history can have a huge impact on auto insurance premiums. Even a single chargeable violation can bump up the cost twenty percent or more. Drivers with clean records get better prices as compared to careless drivers. Drivers who get dangerous violations such as DWI, reckless driving or hit and run convictions may be required to prove financial responsibility with their state DMV in order to drive a vehicle legally.
• Save money by having excellent credit – Credit rating will be a significant factor in determining premium rates. Insureds with excellent credit scores tend to be better risks to insure than those with lower ratings. Therefore, if your credit is not that good, you could be paying less to insure your 2014 Acura ILX Hybrid by taking the time to improve your credit score.
• Never allow your insurance policy to lapse – Driving without insurance coverage in place is illegal and your next policy will cost more because you let your insurance coverage expire. And not only will your rates increase, getting caught without coverage could result in a steep fine or even jail time. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
• More people means more accidents – Being located in less populated areas has definite advantages if you are looking for the lowest rates. City drivers have much more traffic and more severe claims. Fewer drivers and short commutes corresponds to lower accident rates and a lower car theft rate.
• Premiums are lower the older you get – Teen drivers are proven to be inattentive with other occupants in the car so they pay higher insurance rates. Having to add a first-time driver onto a policy can cause a big jump in price. Older drivers have been proven to be more responsible, cause fewer claims and accidents .
• Do you save by driving less? – The more you drive each year the more you’ll pay to insure it. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars that are left in the garage can get a lower rate compared to those used for work or business. It’s a good idea to make sure your vehicle rating shows the correct usage. Having the wrong rating on your ILX Hybrid may be costing you higher rates.

Everyone needs different insurance coverages

When it comes to choosing adequate coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions might point out if your situation will benefit from professional help.

• Is rental equipment covered for theft or damage?
• How much liability insurance is required?
• Am I covered if hit by an uninsured driver?
• Should I buy full coverage?
• How high should deductibles be on a 2014 Acura ILX Hybrid?
• How do I buy GAP insurance?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and enter your zip code.

Big names are not always cheapest

Insurance coverage providers like Progressive, Allstate and GEICO seem to constantly run television, radio, and online ads. They all seem to advertise claims about savings if you move your insurance coverage coverage to their company. How can each company claim to save you money? Here is the trick they use.

Most companies have a certain “appetite” for the driver that will generate a profit. One example of a profitable insured may be between 30 and 50, has a clean driving record, and insures a new vehicle. Anyone that matches those criteria gets the lowest rates and therefore will save when switching.

Potential insureds who may not quite match the “perfect” profile will be charged higher premium rates with the end result being the customer buying from a different company. If you pay close attention to the ads, they say “drivers who switch” not “everyone who quotes” save money. That’s why companies can advertise the savings. Different companies use different criteria so you need to get a wide range of price quotes. It’s just too difficult to predict which insurance coverage company will have the best prices for your profile.

Insurance coverages explained

Understanding the coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages available from insurance companies.

Auto liability insurance

Liability coverage provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as emergency aid, attorney fees, loss of income, structural damage and medical services. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, damage from a tornado or hurricane, vandalism and falling objects. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses for pain medications, EMT expenses, dental work and funeral costs. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage pays for damage to your ILX Hybrid from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with another moving vehicle, colliding with a tree, sustaining damage from a pot hole, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Acura ILX Hybrid.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

And the best car insurance company is…

In this article, we presented a lot of tips how to lower your 2014 Acura ILX Hybrid insurance rates. It’s most important to understand that the more you quote insurance, the higher your chance of finding inexpensive insurance. You may be surprised to find that the lowest priced auto insurance comes from a small local company. They may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

Some companies may not have online price quotes and most of the time these regional carriers provide coverage only through independent agents. Lower-priced 2014 Acura ILX Hybrid insurance can be bought online and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.