Cheaper 2017 Acura ILX Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 24, 2024

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Want cheaper insurance rates for your Acura ILX? If shopping for insurance coverage quotes online is new to you, there’s a good chance you are bewildered by the diversity of local and online companies offering insurance.

Discounts for cheaper insurance coverage rates

Some providers don’t always advertise all their discounts very clearly, so we break down some of the more common and the more hidden discounts you could be receiving when you buy insurance coverage online. If you do not double check each discount possible, you could be paying more than you need to.

  • Save with More Vehicles Insured – Buying coverage for multiple cars or trucks with one company could earn a price break for each car.
  • Multi-policy Discount – If you have multiple policies with one insurance company they may give you a discount of over 10 percent off each policy depending on the company.
  • Lower Rates for Military – Being on active deployment in the military may qualify for rate reductions.
  • Distant Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Telematics Data – Drivers who elect to allow data collection to spy on their driving habits through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates as long as the data is positive.
  • First Accident Forgiveness – but companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident without getting socked with a rate hike if you are claim-free before the accident.

Please keep in mind that some of the credits will not apply to the whole policy. Most only apply to individual premiums such as liability and collision coverage. If you do the math and it seems like you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

If you would like to choose from a list of companies offering insurance coverage discounts, enter your zip code here.

Where can I get affordable insurance?

When looking for cheap insurance coverage quotes, there are a couple ways to compare prices from different companies. The fastest way to find cheaper 2017 Acura ILX rates consists of shopping online. It’s really quite simple and can be done in a couple minutes as outlined below.

One of the simplest ways to find the lowest comparison rates is an all-inclusive rate comparison. This form prevents you from having to do separate quotation requests for every company. One form gets you coverage quotes from several companies. This is by far the quickest method.

A more time consuming way to obtain and compare quotes online requires a trip to each company’s website and fill out a new quote form. For instance, we’ll pretend you want to compare Auto-Owners, Farmers and State Farm. In order to compare rates, you need to spend time going to each site individually and repeatedly enter your information, which can be really labor intensive.

You can choose any of those ways to find more affordable coverage, but make sure you are using identical quote data for every company. If you compare different limits and deductibles on each one you will not be able to get a fair rate comparison. Even a minor difference in insurance coverages or limits can make a big difference in price. And when price shopping your coverage, comparing more company’s prices helps locate the best rates.

How car insurance companies calculate Acura ILX insurance premiums

Lots of things are used in the calculation when you quote your car insurance policy. A few of the factors are predictable like an MVR report, but some are less apparent like where you live or your commute time. Part of the insurance buying process is learning the different types of things that help determine your policy premiums. If you understand what influences your rates, this allows you to make good choices that can help you get better insurance rates.

Listed below are some of the most rate-impacting factors insurance companies consider when setting your rate level.

  • Your job can affect prices – Did you know your insurance rates can be affected by your occupation? Jobs such as military generals, executives and accountants are shown to have the highest rates due to intense work requirements and lots of time spent away from family. Other jobs like actors, students and retirees have the lowest average rates for ILX insurance.
  • Frequent policy claims will increase rates – If you file a lot of claims you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies award most affordable rates to people who only file infrequent claims. Your insurance policy is intended for claims that you cannot pay yourself.
  • Cheaper prices with safer cars – Cars with high safety ratings are cheaper to insure. Vehicles engineered for safety have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and lower rates for you.
  • Physical damage deductibles – Physical damage deductibles are the amount of money you are willing to pay before a claim is paid by your company. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. A few examples of covered claims are collision with another vehicle, damage from fire, or theft of your vehicle. The more you have to pay, the better rate you will receive for ILX insurance.
  • Only buy coverage you need – Policies have optional add-on coverages that can add up but may not be useful. Coverage for things like rental car reimbursement, accident forgiveness, and additional equipment coverage may not be needed and are just wasting money. The coverages may be enticing initially, but if you don’t need them eliminate them to save money.

Tailor your car insurance coverage to you

When choosing adequate coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out whether or not you might need an agent’s assistance.

  • Is business property covered if stolen from my car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can my babysitter drive my car?
  • What can I do if my company denied a claim?
  • Am I missing any policy discounts?
  • Is my teen driver covered when they drive my company car?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete your zip code.

Don’t be fooled by advertising claims

Big name companies like Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. They all seem to advertise the message that drivers can save some big amount just by moving your car insurance coverage to their company. How does every car insurance company have lower policy pricing?

All the different companies have specific criteria for the type of driver that will be a good risk. A good example of a profitable risk profile could be married and over the age of 30, has other policies, and drives a lower-performance vehicle. Anybody that matches those criteria will probably get the lowest prices and will save when they switch companies.

Potential insureds who are not a match for these standards will probably have to pay higher rates with the end result being business going elsewhere. The ads say “people that switch” but not “everyone who gets a quote” save the amount stated. That’s why insurance companies can confidently make claims that they all have the best rates.

This really illustrates why it’s extremely important to quote coverage with many companies. It is impossible to guess which car insurance company will have the lowest rate quotes.

Car insurance policy specifics

Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage – This coverage covers damage to your ILX from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive coverages – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, damage from getting keyed, hitting a bird, hail damage and fire damage. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Acura ILX.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Auto liability – This coverage will cover damage or injury you incur to other people or property in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as emergency aid, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like hospital visits, chiropractic care, rehabilitation expenses, prosthetic devices and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

In conclusion

When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. In too many instances, drivers have reduced uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at the best possible price, but do not skimp to save money.

In this article, we presented many ways to lower your 2017 Acura ILX insurance prices. The key thing to remember is the more quotes you get, the better likelihood of getting affordable insurance coverage. You may even find the lowest prices come from a small mutual company.

Consumers switch companies for many reasons like delays in paying claims, poor customer service, policy cancellation and questionable increases in premium. It doesn’t matter why you want to switch choosing a new insurance company can be easier than you think.

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