2014 Acura ILX Car Insurance Cost in 2024 – 6 Tips to Save

Shoppers have a choice when shopping for affordable Acura ILX insurance. You can either spend your time contacting agents trying to get quotes or use the internet to get rate quotes.

There are both good and bad ways to shop for insurance and we’ll show you the quickest way to quote coverages for a Acura and find the lowest possible price either online or from local insurance agents.

The quickest way to compare policy rates is to understand all the major auto insurance companies provide online access to provide you with a free rate quote. The only thing you need to do is give them rating details including an estimate of your credit level, how many miles driven, whether your vehicle is owned or leased, and if you are currently licensed. Your insurance information is instantly sent to many different companies and you receive quotes instantly to find the best rate.

Find hidden discounts to get affordable insurance coverage rates

Auto insurance companies don’t list their entire list of discounts very clearly, so here is a list a few of the more common and the harder-to-find credits that you can use to lower your rates.

• No Accidents – Drivers who don’t have accidents have much lower rates as compared to frequent claim filers.
• Passive Restraints – Vehicles with factory air bags may get savings as much as 30%.
• Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if it’s offered in school.
• First Accident Forgiveness – Not really a discount, but some companies like GEICO, Allstate and Liberty Mutual allow you one accident before they charge you more for coverage as long as you don’t have any claims prior to the accident.
• Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts may be able to save a few bucks off the personal injury premium cost.
• College Student – Kids who attend college more than 100 miles from home and leave their car at home could get you a discount.

It’s important to understand that most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

A few of the larger companies and some of the discounts include:

• Farmers Insurance may offer discounts for pay in full, bundle discounts, switch companies, mature driver, and distant student.
• Esurance includes discounts for good driver, renters, online shopper, claim free, homeowner, Switch & Save, and safety device.
• State Farm offers discounts for multiple autos, Drive Safe & Save, student away at school, multiple policy, good student, accident-free, and good driver.
• GEICO has discounts for membership and employees, anti-theft, defensive driver, anti-lock brakes, military active duty, and multi-policy.
• Allstate offers discounts including anti-lock brakes, multi-policy, utility vehicle, EZ pay plan discount, eSmart discount, good payer, and resident student.

Before purchasing a policy, check with each insurance company which discounts you qualify for. Some discounts listed above may not apply to policyholders in your area. If you would like to view insurers who offer free insurance coverage quotes, enter your zip code here.

Tailor your car insurance coverage to you

When buying adequate coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if your insurance needs might need an agent’s assistance.

• Do I need PIP (personal injury protection) coverage in my state?
• Is my teen driver covered when they drive my company car?
• Am I insured when driving a different vehicle?
• Is my state a no-fault state?
• Should I have a commercial auto policy?
• I have a DUI can I still get coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Should I get collision insurance on every vehicle?
• How can I find cheaper teen driver insurance?
• Are rock chip repairs covered?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete your zip code. It only takes a few minutes and may give you better protection.

Specific coverages for a 2014 Acura ILX

Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Liability coverage

This will cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as legal defense fees, court costs, medical services, emergency aid and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses for things like dental work, doctor visits, ambulance fees, pain medications and surgery. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, a broken windshield and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2014 Acura ILX.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently these coverages are identical to your policy’s liability coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your ILX caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, backing into a parked car, crashing into a building, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

One last thing

In this article, we presented some good ideas how you can save on 2014 Acura ILX insurance. It’s most important to understand that the more you quote insurance coverage, the better likelihood of getting cheaper insurance coverage. You may be surprised to find that the best prices are with the least-expected company.

Insureds leave their current company for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, delays in paying claims and an unsatisfactory settlement offer. Whatever your reason, finding a new car insurance company is not as difficult as it may seem.

Low-cost 2014 Acura ILX insurance can be sourced from both online companies and also from your neighborhood agents, so get free insurance coverage quotes from both of them to have the best selection. Some insurance providers may not provide internet price quotes and most of the time these regional carriers work with independent agents.