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...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Think you have an overpriced auto insurance policy? Believe me, there are lots of residents who feel the same.

Due to the large number of different company options, it can be impossible to choose the lowest cost insurer.

The most recommended method to compare policy rates is to take advantage of the fact most of the bigger providers actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is spend a couple of minutes providing details such as how much coverage you want, how much school you completed, any included safety features, and which vehicles you own. Your rating data gets transmitted to insurance carriers in your area and you get price estimates instantly to find the best rate.

Don’t miss these rate-reducing discounts

Some insurance providers do not list all available discounts very clearly, so the following list contains both the well known in addition to some of the lesser obvious discounts that may be available.

  • Own a Home and Save – Owning a home can get you a discount since home ownership requires a higher level of personal finance.
  • Discount for Passive Restraints – Cars that have air bags can qualify for discounts as much as 30%.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
  • Telematics Data – Insureds that choose to allow data collection to spy on their driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they exhibit good driving behavior.
  • Early Renewal Discounts – A few companies offer discounts for renewing your policy before your current expiration date. You could save around 10% when you buy insurance coverage online.

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, it just doesn’t work that way. Any amount of discount will bring down the amount you have to pay.

A few companies who might offer most of the discounts above include:

When getting free insurance coverage quotes, it’s a good idea to every insurance company what discounts are available to you. Some of the discounts discussed earlier may not be available in your area.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Lower the price of auto insurance with these tips

Lots of things are part of the equation when you get your auto insurance bill. Most are fairly basic such as your driving history, but other factors are less obvious such as whether you are married or your vehicle rating.Consumers need to have an understanding of the different types of things that help determine your policy premiums. If you have a feel for what impacts premium levels, this allows you to make good choices that could help you find lower auto insurance prices.

  • Urban residents pay more – Residing in a rural area can be a good thing when buying auto insurance. People who live in big cities have more traffic problems and higher rates of accident claims. Less people living in that area means fewer accidents and a lower car theft rate.
  • Cautious drivers pay less – Whether or not you get tickets can have a huge impact on auto insurance premiums. Even a single speeding ticket or other violation could increase your next policy renewal substantially. Drivers with clean records get better prices as compared to careless drivers. Drivers with serious tickets like DUI or reckless driving may need to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Avoid unnecessary extra policy coverages – There are many extra coverages you can purchase on your auto insurance policy. Coverage for things like rental car reimbursement, accident forgiveness, and membership fees are examples of these. The coverages may be enticing when buying your policy, but if you have no use for them consider taking them off your policy.
  • Never go without auto insurance – Not having insurance can get your license suspended and you will pay a penalty because you let your coverage have a gap. In addition to paying higher rates, not being able to provide proof of insurance will get you a revoked license or a big fine. You may need to prove you have insurance by filing a SR-22 with your state DMV.
  • Poor credit rating equals high costs – Your credit score factor in calculating your auto insurance rates. Drivers who have good credit tend to be better drivers and file fewer claims than those with bad credit. Therefore, if your credit history leaves room for improvement, you may save money insuring your 2014 Acura ILX by improving your rating.

Do I need special coverages?

When it comes to buying coverage, there is no “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your insurance needs might need professional guidance.

  • Is there coverage for injuries to my pets?
  • Am I covered if I wreck a rental car?
  • What can I do if my company won’t pay a claim?
  • Will my rates increase for filing one claim?
  • How can I get my company to pay me more for my totalled car?
  • Is my ex-spouse still covered by my policy?
  • Can I rent a car in Mexico?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance savings promises

Auto insurance providers like GEICO, State Farm and Progressive consistently run ads in print and on television. They all seem to say the same thing that you can save if you just switch your coverage to them. How does every company give you a lower rate? This is the way they can do it.

Insurance companies can use profiling for the driver they prefer to insure. For example, a driver they prefer should be over the age of 40, owns their home, and drives less than 5,000 miles a year. A driver that hits that “sweet spot” will get very good car insurance rates and will save if they switch.

People who are not a match for these standards may be forced to pay higher prices which results in the prospect going elsewhere. The trick companies use is to say “customers who switch” not “all people who quote” save money. That is how companies can truthfully state the savings.

Because each company has a different risk profile, it is so important to compare as many free insurance coverage quotes as you can. It’s not possible to predict which company will give you lower car insurance rates than your current company.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Auto insurance coverages and their meanings

Having a good grasp of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average auto insurance policy.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, backing into a parked car, damaging your car on a curb, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

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

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, fire damage, a broken windshield, hitting a deer and damage from flooding. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance – Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like medical expenses, medical services, attorney fees, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for bills for things like chiropractic care, dental work, surgery and funeral costs. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Do the work, save more money

You just read some good ideas how to reduce 2014 Acura ILX insurance premium rates online. The key thing to remember is the more you quote insurance coverage, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where someone dropped comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. Your goal is to find the BEST coverage at the best possible price while not skimping on critical coverages.

Additional auto insurance information can be read below: