Car insurance costs vary widely by state, insurer and driver; however, all drivers can use certain factors to make informed decisions about their auto policy.
Car size and class are just one factor; others include age, driving history and credit.
Basic Coverage
Most states mandate minimum levels of liability insurance for car owners, but if you want your Acura to be protected financially in case of an accident, adding collision and comprehensive coverage will provide greater peace of mind. Basic types of coverage available to drivers who purchase Acura ILXs include medical payments, property damage liability coverage, uninsured motorist, personal injury protection (PIP), as well as personal injury waiver and gap coverage - depending on which state it's purchased in.
Average car insurance costs for an Acura ILX range between $1,416 and $1,509 with full coverage annually, using quotes with $500 deductibles and 30/60 bodily injury liability limits, along with collision and comprehensive protection. Of course, prices will depend heavily on factors like driver age and history as well.
Younger drivers of an Acura ILX may pay higher premiums; older drivers could reduce costs by increasing deductibles or shopping around for different companies with cheaper rates. Enter your ZIP code below to compare quotes from top-rated insurers in your area and see if you can find cheaper coverage for your Acura ILX.
The Acura ILX is a small sedan available in various trim levels. Standard features include a power moonroof, dual-zone automatic air conditioning and push-button start; options can include leather-trimmed sport seats and premium stereo system with Apple CarPlay/Android Auto smartphone connectivity as well as navigation. Furthermore, 2020 Acura ILX models also include advanced safety features called AcuraWatch that may help prevent accidents and minimize injuries in case of collision.
While shopping around for Acura ILX rates, make sure to consider all associated expenses of owning and operating the vehicle, including fuel costs, maintenance fees, and any ongoing expenses when calculating its total cost of ownership.
Acura ILXs may seem more costly to own and operate than they actually are, given their luxurious reputation and features. By taking advantage of discounts or raising your deductibles to save on premiums or switching insurance providers for better rates, the savings will add up over time.
Comprehensive Coverage
Costs associated with Acura ILX car insurance policies can depend on several variables, including your location, driver profile and policy details. Drivers aged 18-24 tend to pay higher premiums due to being inexperienced behind the wheel as well as being considered high-risk by many auto insurers.
Other key factors determining your Acura ILX cost include your driving history and any custom modifications you add to it, like backup sensors that help prevent collisions when backing out of driveways and parking lots. Installing anti-theft devices like alarms or wheel locks makes it more difficult for thieves to steal tires or rims from your vehicle, potentially providing discounts.
Liability coverage increases can help bring down the costs of car insurance. Every state mandates minimum levels of liability coverage in order to protect other people and their property if you cause an accident, while personal injury protection pays medical bills, lost wages, child care costs and other expenses should you become injured in an accident. Adding uninsured and underinsured motorist coverage further lowers premiums when another driver without enough insurance hits your Acura ILX.
Insurance rates for an Acura ILX can differ widely, making it imperative that you compare quotes from multiple providers before making your decision. By using an online quote comparison tool like The Zebra, it allows you to quickly collect personalized Acura ILX insurance quotes from different carriers in just minutes - filter them according to coverage type, driver profile, zip code and other factors which affect car insurance costs and find the most cost-effective policy that meets your needs.
The Acura ILX is an affordable luxury sedan that's stylish and easy to drive, providing a smooth and relaxing ride. With excellent warranty and reliability ratings and competitive car insurance premiums, it makes a good choice for drivers looking to save money. While not featuring all of the same advanced technology and safety features found in higher priced vehicles, its features still allow it to keep pace with other luxury cars in its class.
Collision Coverage
Drivers also require collision and comprehensive insurance to safeguard their cars. This comprehensive plan covers repairs or replacement should your car be involved in an accident due to your fault, while financing or leasing your Acura ILX may require this coverage; typically this costs $372 annually for comprehensive coverage.
Body injury liability coverage reimburses others for medical costs related to crashes you cause that injure them; property damage liability protects other drivers' vehicles and belongings should your car hit them; most states mandate at least this level of coverage.
Most drivers require basic auto insurance; however, higher limits and/or adding deductibles to reduce premiums are available as options. Some policies also include additional forms of protection like towing and roadside assistance coverage.
Location can also play an influential role in determining your insurance rates, as it varies according to state regulation of insurance prices. Expect higher insurance costs in urban environments versus rural ones.
Age and gender also impact rates. Younger drivers, in particular male drivers, are more likely to file claims or cause accidents, so their premiums tend to be higher compared with women or older drivers.
Your car's make and model also play a role in its insurance rates, since some models cost more to repair or replace than others; thus driving up premium costs. Acura ILX sedans tend to be among the costliest to insure due to being midsize luxury vehicles.
Finding the most cost-effective rates on an Acura ILX depends on a number of factors, including your driving record, vehicle model and age as well as where you reside. One way to lower rates is by shopping around and comparing quotes from multiple providers - many offer discounts for good drivers, students and multivehicle policies as well.
Liability Coverage
Car insurance costs for an Acura ILX can differ widely depending on where you reside and the type of coverage that is selected. Full coverage options, which encompass collision and comprehensive protection, may cost more than liability-only policies; however, they could be worth investing in if your vehicle has high value that requires protecting from potential damage or theft.
Liability coverage protects you against damage to other vehicles or people in an accident, including medical costs and property repairs afterward. Liability-only policies typically offer cheaper premiums; in the ILX's case they cost roughly $170 monthly while liability-only plans average out to be $6 cheaper on average. For best rates we advise shopping around and comparing quotes online; an online tool will give you personalized quotes quickly.
The Acura ILX offers excellent safety ratings and is cost-effective to repair, making it an attractive option for drivers on a limited budget. Many insurers also provide additional discounts or special offers that could further lower premiums; additionally, selecting models without costly add-ons such as navigation or audio systems could save even more.
Other variables affecting the cost of car insurance for an ILX include its body style, driving history and location. For instance, sedans tend to be cheaper to insure than sports cars or SUVs; additionally, due to being less likely to be stolen than other vehicle types, ILX insurance costs tend to be reduced as a result.
Assuming you're a safe driver with excellent credit, and can pay the lowest rates, safe drivers should expect the most affordable policies for their Acura ILX insurance premiums. Conversely, those who have multiple tickets or accidents or poor credit may find their premiums increasing dramatically; it is therefore crucial that drivers understand how insurance companies calculate premiums to find the most cost-effective policy deal for them.