2023 Acura ILX Insurance Quotes in 2024 – 10 Tricks for Best Rates

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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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Trying to find better auto insurance rates for your Acura ILX? Being forced to pay for overpriced auto insurance premiums can empty your funds and force you to tighten up your finances. Comparing price quotes can lower your rates and help to lower your monthly bill.

Many insurers vie for your insurance dollar, so it’s not easy to compare every company to discover the definitive lowest rate possible.

It’s important to get comparison quotes once or twice a year since prices fluctuate regularly. Even if you think you had the best deal for ILX coverage two years ago the chances are good that you can find a lower rate quote today. Block out anything you think you know about auto insurance because you’re about to learn how to use online quotes to properly buy coverages while reducing your premium.

If you have a policy now or are shopping for new coverage, you can use these techniques to reduce the price you pay while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to learn the tricks to shop their coverage around over the internet.

Cheaper auto insurance rates with discounts

Insurance can be prohibitively expensive, but there could be significant discounts that many people don’t even know exist. Certain discounts will be applied when you quote, but occasionally some discounts must be asked about before they will apply.

  • Discount for Life Insurance – Auto insurance companies who offer life insurance give better premium rates if you take out some life insurance in addition to your auto policy.
  • Seat Belts Save – Drivers who require all vehicle occupants to fasten their seat belts could save 15% off the PIP or medical payment premium.
  • Policy Bundle Discount – If you can combine your auto and home policy and insure them with the same company you could earn a discount of at least 10 to 15 percent or more.
  • Homeowners Pay Less – Owning your own home or condo can help you save on auto insurance because of the fact that having a home requires personal responsibility.
  • Onboard Data Collection – Insureds who allow companies to study driving habits remotely such as State Farm’s In-Drive could possibly reduce rates if they have good driving habits.
  • Sign Early and Save – Some auto insurance companies reward drivers for buying a policy prior to your current policy expiring. This discount can save up to 10%.
  • Senior Discount – Mature drivers may receive a small decrease in premiums for ILX coverage.
  • Accident Waiver – Not a discount per se, but some insurance companies may permit one accident without the usual rate increase so long as you are claim-free prior to being involved in the accident.
  • Discount for Low Mileage – Driving fewer miles can qualify you for better auto insurance rates on cars that stay parked.
  • Government Employee Discount – Federal government employees could qualify for a slight premium decrease for ILX coverage depending on your company.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

If you would like to view insurers that have a full spectrum of discounts, enter your zip code here.

How to compare free auto insurance rate quotes

Shopping for lower auto insurance rates can take hours if you don’t know the most efficient way to do it. You could spend the better part of a day talking to agents in your area, or you can utilize online quoting to achieve your goal.

Many insurance companies belong to a marketplace that allows shoppers to enter their coverage request one time, and at least one company then gives them pricing for coverage. This eliminates the need for quote forms for each company. To participate in this free quote system, enter your zip code here.

One minor caveat to comparing rates this way is you don’t know exactly the insurers you will receive quotes from. So if you prefer to pick from a list of companies to compare prices, we have a listing of companies who write auto insurance in your area. Click to enter zip code.

The approach you take is up to you, just make absolute certain that you use apples-to-apples coverage information with every price quote. If you enter different data it will be next to impossible to determine which company has the best rates.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different so your insurance should reflect that For example, these questions may help highlight if your situation may require specific advice.

  • Are rock chip repairs covered?
  • Do all my vehicles need collision coverage?
  • Is my teenager covered with friends in the car?
  • Is upholstery damage covered by car insurance?
  • Am I covered if I wreck a rental car?
  • Should I buy additional glass protection?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and enter your zip code. It only takes a few minutes and can help protect your family.

Save $424 a year? Really?

Consumers constantly see and hear ads that promise big savings by companies like 21st Century, Allstate and State Farm. All the companies say the same thing that you’ll save big after switching your insurance coverage policy to them.

How is it plausible that every one can have lower policy pricing? This is how they do it.

All the different companies give the cheapest rates for the type of driver that will not have excessive claims. For example, this type of risk profile might be a female over age 40, has had continuous coverage, and does not commute to work. A customer that matches those criteria may get the lowest prices as well as save when switching.

Potential insureds who do not match this stringent profile may be required to pay higher premiums with the end result being business going elsewhere. The trick companies use is to say “drivers who switch” not “everyone that quotes” save that much money. That is how insurance companies can confidently make it sound like they have such great prices. This illustrates why you need to get a wide range of price quotes. It is impossible to guess which insurance coverage company will have the best premium rates.

Car insurance policy specifics

Understanding the coverages of a car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on most car insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your 2023 Acura ILX.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills like EMT expenses, pain medications, X-ray expenses and hospital visits. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

This coverage will pay to fix damage to your ILX resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a building, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability insurance

This coverage can cover damages or injuries you inflict on other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things such as repair costs for stationary objects, medical services, emergency aid, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage (or Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, hitting a bird, a broken windshield and damage from getting keyed. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Be a money saver!

Throughout this article, we presented many ways to save on 2023 Acura ILX insurance. The key concept to understand is the more companies you get prices for, the higher your chance of finding the cheapest auto insurance. You may be surprised to find that the lowest premium rates are with a lesser-known regional company. These companies may only write in your state and offer lower prices than their larger competitors like State Farm and Allstate.

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. There have been many situations where drivers have reduced collision coverage only to discover later that it was a big error on their part. Your goal is to buy the best coverage you can find at the best cost, but do not skimp to save money.

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