Car insurance costs for the 2014 Acura ILX can vary widely depending on a variety of factors. You can take steps to lower your rate by bundling policies or raising your deductible amount.
Full coverage insurance for an Acura ILX typically costs approximately $170 monthly, including liability, collision and comprehensive protection.
Liability Coverage
Liability insurance is mandatory in many states and serves to cover medical bills, vehicle repairs costs, lost wages and other expenses in the event of a crash you cause. Because the Acura ILX is considered a smaller car than larger vehicles, its liability rates may be lower; however it should be remembered that even smaller cars can still cause substantial damage in an accident so your liability coverage should be adequate.
Assuming you can afford it, full coverage is usually the better choice for an Acura ILX owner. Full coverage policies generally cost about $170 monthly while liability only policies start from around $71. You may even find affordable car insurance plans that start as low as $17 monthly from Mercury! Ultimately though, your exact premium payment will depend on your situation and location.
An additional factor affecting your premiums is how often you drive. Drivers who reduce their mileage often tend to pay lower premiums as there are fewer chances for accidents to occur. If possible, consider cutting back or joining a ride-share program as ways to cut costs down.
Age and driving history also factor into your insurance rates, with younger drivers typically paying more due to not yet establishing an excellent driving history; on the other hand, older drivers can save money by maintaining a clean record and taking advantage of available discounts.
When searching for the most cost-effective car insurance for your Acura ILX, make sure your insurer offers good customer service and competitive rates. Also ask whether any safety features such as anti-theft devices and airbags qualify for discounts that could further lower rates.
If you're shopping around for cheap auto insurance for your 2014 Acura ILX, start by comparing quotes online. Start with top-rated providers such as those on this page as well as local and national firms offering Acura ILX policies - then select a policy that meets both your budget and needs.
Collision Coverage
Many states mandate drivers obtain certain forms of car insurance coverage, including liability to cover injuries to others and property damage you cause; medical payments coverage related to a crash you cause; uninsured and underinsured motorist coverage; collision coverage in case your vehicle collides with an object or uninsured driver; collision damage waiver coverage should your car become involved in a crash; uninsured and underinsured motorist coverage and comprehensive (which protects against theft and non-traffic events not related to an accident), roadside assistance and rental reimbursement programs are all essential policies for drivers to have.
Your choice of car can make an enormous impactful statement about you and can significantly alter your insurance rates. Sedans tend to be more costly to repair and more frequently stolen, leading them to command higher premiums than SUVs or pickup trucks. Your model of Acura ILX also impacts rates, along with any features like antitheft technology; however, many insurance providers provide discounts for safe drivers, students, homeowners and multivehicle policies.
Age and gender also impact how much insurance premiums cost; younger drivers often face more expensive premiums than their elder counterparts, while women typically get cheaper rates than men. You can reduce premium costs by having a clean driving record, maintaining high credit scores, and keeping mileage to a minimum.
Location can also play an integral role, as car insurance costs vary according to state. For instance, New York drivers typically pay higher car insurance premiums compared to Ohio or Florida residents - making it imperative that each renewal offers multiple quotes.
Finding the cheapest rate for your 2014 Acura ILX requires comparison shopping. Enter your zip code into the box below, and receive several personalized quotes from different insurance providers. When it's time to purchase, choose the provider offering the lowest rate, review it with an agent, and make a decision - selecting either decreasing coverage level or raising deductible may further lower monthly premiums.
Comprehensive Coverage
Many factors can determine how much car insurance you'll pay for an Acura ILX. This includes your driving record, annual miles traveled and location. To lower rates even further you could shop around for better deals or bundle policies to lower deductibles or shop around for better offers to reduce rates even further. Of course having good driving and credit records and taking advantage of discounts offered by most providers such as good driver discounts or homeowner or multi-vehicle discounts could make an impactful statement about yourself as a vehicle owner!
Your deductible can also have an effect on how much car insurance costs for your ILX. Although it can be tempting to opt for the least-expensive policy available, collision and comprehensive policies often provide greater protection in cases of accidents between vehicles or damage from natural disasters or theft. These types of policies will likely be required by lenders if you take out loans or lease agreements on your vehicle.
Age can have a substantial effect on the cost of Acura ILX insurance premiums. Younger drivers tend to pay more due to fewer driving experience and an increased claim filing risk for insurance companies; on the other hand, older drivers usually enjoy lower premiums since they've established good driving records over time.
As such, your Acura ILX's insurance costs will depend on its age and state of registration. To get an accurate idea of the costs for insuring it, compare state average car insurance rates against national average car insurance rates to get an idea of how much coverage should cost you for an ILX in your situation. Our online tool lets you quickly compare multiple insurer quotes without providing personal details about yourself or social security numbers; shopping can happen safely and swiftly with no compromise to privacy!
Uninsured Motorist Coverage
While vehicle age and driving record may play a large part in determining car insurance premiums, location also plays a crucial role. Since car insurance policies differ depending on which state they're sold in. Costs could differ dramatically among insurers.
Example: In Michigan, a 40-year-old male driving an Acura ILX may pay around $1,674 annually for full coverage; while her female counterpart would likely spend only around $1,020.
Your vehicle body style selection will have an important bearing on the cost of car insurance premiums. Sedans tend to be cheaper to insure than coupes since they tend to be considered more family-oriented and less sporty. Furthermore, selecting an Acura ILX trim level that offers reduced rates could further lower rates.
Liability coverage is essential for most drivers, and making sure you carry adequate limits will protect you from being held liable if an accident happens due to your driving. Personal injury protection also offers valuable coverage should one or more passengers become injured due to an uninsured motorist.
Notably, many providers now offer usage-based or pay-per-mile insurance policies - an attractive choice for drivers of the Lexus ILX who don't cover many miles annually. Such plans tend to be much less expensive than traditional auto policies from providers with whom you already do business.
Though these factors play an integral role in determining your premium, deductibles and policy limits also play a vital part. Furthermore, some states impose minimum coverage requirements that you'll need to fulfill before registering your Acura ILX.
To get an accurate idea of how much car insurance for your 2014 Acura ILX will cost, enter your zip code below. By doing so, you can compare quotes and choose coverage options that work for you.