How Much Does 2020 Acura ILX Car Insurance Cost 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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Beginners to price shopping insurance coverage online will find buying affordable auto insurance is more work than they thought.

If you have car insurance now, you should be able to save some money using this information. Pricing affordable auto insurance coverage is simple if you know the tricks. Nevertheless, consumers need to learn how the larger insurance companies price online insurance because it can help you find the best coverage.

Compare quotes for insurance coverage

Effectively comparing insurance coverage prices can be challenging if you don’t know the fastest way to get free quotes. You could spend your day discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to maximize your effort.

All the larger companies participate in a marketplace where insurance shoppers complete one form, and every company can give them a price based on that data. This system prevents you from having to do form submissions to each company.

To fill out one form to compare multiple rates now enter your zip code here.

One minor caveat to doing it this way is you can’t choose which providers you want pricing from. If you would rather choose individual companies for rate comparison, we have a listing of insurance coverage companies in your area. Click to enter zip code.

It’s up to you which method you use, but make sure you are using apples-to-apples quote data for each price quote. If the quotes have different values for each quote it will be very difficult to decipher which rate is best. Having just a slight variation in coverages can mean a large discrepancy in price. Just keep in mind that quoting more helps you find a better price. Not every company does online quotes, so you should also compare prices from the smaller companies as well.

Don’t listen to company ads

Companies like State Farm, GEICO and Progressive constantly bombard you with television and radio advertisements. They all seem to make the promise of big savings just by moving to their company. That’s great but how can every company save you money? Just pay attention to how they say it.

Most companies quote their cheapest rates for the right customer they prefer to insure. For instance, this type of insured might have to be between the ages of 30 and 50, carries high limits, and drives less than 10,000 miles a year. A customer that meets those criteria may get the lowest prices and will also save when switching.

People who cannot meet those standards will be charged higher rates which leads to the customer buying from someone else. If you listen to the ad wording, they say “drivers who switch” not “all people who quote” can get the lowest rates when switching. That is how companies can truthfully make claims like that. This illustrates why you absolutely need to get price quotes at each policy renewal. It is just not possible to predict the company that will have the best premium rates for your profile.

Seven things that affect your insurance prices

Many factors are taken into consideration when you get your auto insurance bill. Some are obvious such as your driving history, although others are more transparent like your vehicle usage or how safe your car is. Consumers need to have an understanding of some of the factors that are used to determine your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that could result in lower insurance prices.

  • Getting married can lower prices – Having a significant other actually saves money on your policy. It means you’re more stable financially and it’s statistically proven that being married results in fewer claims.
  • Poor credit rating equals high costs – Credit score is likely to be a major factor in your rate calculation. People with high credit ratings tend to be better risks to insure than drivers with bad credit. If your credit score is lower than you’d like, you could save money insuring your 2020 Acura ILX if you clean up your credit.
  • Better drivers pay lower rates – Drivers with clean records receive lower rates than their less careful counterparts. Even a single chargeable violation can increase rates to the point where it’s not affordable. Drivers who get careless violations such as DUI or reckless driving may be required to prove financial responsibility with their state in order to continue driving.
  • Small claims can cost you – If you’re an insured who likes to file claims you can definitely plan on higher rates. Auto insurance companies generally give cheaper rates to policyholders who are claim-free. Your insurance policy is meant to be used in the event of larger claims.
  • Lower rates by increasing physical damage deductibles – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Acura. Some instances where coverage would apply are a broken windshield, hitting a deer, and having your car stolen. Your deductibles tell how much you are willing to pay out-of-pocket before your insurance pays a claim. The more damage repair cost the insured is willing to pay, the bigger discount you will receive for ILX insurance.
  • Avoid unnecessary extra coverages – Insurance companies have many additional extra coverages that you can get tricked into buying but may not be useful. Coverages like rental car reimbursement, death and dismemberment, and term life insurance may not be needed and are just wasting money. They may seem like a good idea at first, but your needs may have changed so eliminate them to save money.
  • Lower mileage equals lower premium – The more you drive every year the higher the price you pay to insure it. Most companies charge rates determined by how the vehicle is used. Cars that have low annual miles get more affordable rates than vehicles that have high annual mileage. Incorrect rating for your ILX can result in significantly higher rates. It’s a good idea to make sure your insurance policy is showing the correct driver usage, because improper ratings can cost you money.

These discounts can lower your insurance coverage quotes

The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Certain reductions will be credited at the time you complete a quote, but some need to be inquired about before being credited. If you aren’t receiving every discount you qualify for, it’s possible you qualify for a lower rate.

  • Air Bag Discount – Options like air bags may get savings of 20 to 30 percent.
  • Discount for Low Mileage – Maintaining low annual mileage could earn lower premium rates on the low mileage vehicles.
  • Sign Online – A few companies will provide an incentive simply for signing digitally online.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the PIP or medical payment premium.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school.
  • Multiple Cars – Buying coverage for all your vehicles on one policy can get a discount on all vehicles.
  • Smart Student Discounts – Being a good student can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Resident Student – College-age children who attend college more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Government Employee Discount – Federal government employees can earn a discount up to 10% for ILX insurance depending on your insurance coverage provider.
  • Switch and Save Discount – Some insurance coverage companies reward drivers for switching companies prior to your current policy expiration. This discount can save up to 10%.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, you’re out of luck.

The best insurance coverage companies and some of their more popular discounts include:

  • Farmers Insurance may offer discounts for teen driver, homeowner, early shopping, bundle discounts, and distant student.
  • Esurance offers discounts for online quote, homeowner, renters, paid-in-full, online shopper, claim free, and Pac-12 alumni.
  • State Farm has discounts for multiple policy, anti-theft, accident-free, good driver, multiple autos, driver’s education, and passive restraint.
  • GEICO includes discounts for five-year accident-free, anti-lock brakes, driver training, federal employee, membership and employees, and air bags.
  • Allstate discounts include premier plus, EZ pay plan discount, good student, eSmart discount, FullPay discount, utility vehicle, and resident student.

When comparing rates, check with every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts may not be offered in your area. If you would like to view insurance companies with discount rates, enter your zip code here.

Different people need different insurance coverages

When it comes to buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions may help you determine if your situation may require specific advice.

  • What vehicles should carry emergency assistance coverage?
  • What is the rate difference between pleasure use and commuting?
  • Does my insurance cover my expensive audio equipment?
  • What exactly is covered by my policy?
  • Am I covered when delivering products for my home-based business?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Can my teen drive my company car?
  • I have health insurance so do I need medical payments coverage?
  • Does my 2020 Acura ILX need full coverage?
  • Am I covered if I break a side mirror?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and enter your zip code.

Car insurance coverage breakdown

Understanding the coverages of your car insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision – This will pay to fix damage to your ILX from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like rehabilitation expenses, ambulance fees and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance – This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, rock chips in glass, theft and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Acura ILX.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages – This provides protection from damages or injuries you inflict on other people or property. It protects you from legal claims by others. It does not 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. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like medical expenses, structural damage, legal defense fees, funeral expenses and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Have money to burn

Insureds leave their current company for any number of reasons including denial of a claim, extreme rates for teen drivers, policy non-renewal and policy cancellation. Regardless of your reason, choosing a new company is easier than you think.

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where an insured dropped collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

Some auto insurance companies do not offer online rate quotes and these small insurance companies provide coverage only through independent agents. Lower-priced auto insurance can be bought on the web and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from.

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