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: Aug 20, 2018

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Searching for lower auto insurance rates? Consumers have options when looking for affordable Acura ILX insurance. They can either spend hours struggling with agents trying to get quotes or leverage the internet to compare rates. There are both good and bad ways to compare auto insurance rates so you’re going to learn the best way to compare rates on a Acura and get the lowest price either online or from local insurance agents.

The best way to compare car insurance company rates is to know the trick most of the larger companies will pay a fee to provide you with free rate quotes. All consumers are required to do is provide the companies a bit of rating information such as your job, whether your vehicle is owned or leased, the type of vehicles you drive, and if you’re married. Your details is instantly submitted to insurance companies and they return quotes almost instantly.

To find the cheapest car insurance rates, click here and complete the quick form.

Do drivers who switch really save?

Consumers constantly see and hear ads that claim the cheapest premium rates by companies like Allstate and Progressive. All the companies tend to make the same promise of big savings after switching your car insurance policy to them.

Is it even possible that every company can have lower policy pricing? This is the way they can do it.

Most companies look for specific characteristics for the type of customer that will most likely be profitable. A good example of a profitable customer may need to be over the age of 45, has a low-risk occupation, and drives less than 5,000 miles a year. A driver who meets those qualifications receives the best rates and have a good chance to save when they switch companies.

Insureds who are not a match for these criteria may be required to pay higher prices which results in the prospect going elsewhere. The ads state “people who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can make claims like that. Because of the profiling, it’s extremely important to compare free insurance coverage quotes often. It’s just too difficult to predict which insurance companies will provide the lowest prices.

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

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Insurance price influencing factors

An important part of buying insurance is that you know the rating factors that play a part in calculating insurance coverage rates. When you understand what determines base rates, this empowers consumers to make smart changes that can earn you lower rates.

  • Extra policy coverages that aren’t used – There are a ton of extra coverages that you can get tricked into buying on your ILX policy. Coverages like roadside assistance, accidental death, and extra life insurance coverage are some examples. They may seem good when talking to your agent, but if you’ve never needed them in the past consider taking them off your policy.
  • Careless driving means higher premiums – Attentive drivers pay lower auto insurance prices than bad drivers. Having just one speeding ticket or other violation can bump up the cost to the point where it’s not affordable. Drivers unfortunate enough to have license-revoking citations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state DMV in order to prevent their license from being revoked.
  • Is your vehicle theft-ready? – Owning a car with anti-theft technology or alarm system can help lower your rates. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent vehicle theft.
  • Married drivers get cheaper prices – Walking down the aisle may earn you lower rates on insurance coverage. Having a spouse generally demonstrates drivers are more mature than a single person and insurance companies like that married couples file fewer claims.
  • Don’t skimp on liability insurance – Liability coverage will protect you in the event that you are determined to be liable for an accident. Liability provides legal defense coverage to defend your case. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Your address can push rates up or down – Living in small towns and rural areas may provide you with better prices if you are looking for the lowest rates. Urban drivers tend to have congested traffic and longer commute times. Less people living in that area corresponds to lower accident rates and also fewer theft and vandalism claims.

Discounts for affordable insurance rates

Car insurance is not cheap, but there are discounts available to help offset the cost. Certain credits will be shown when you complete an application, but occassionally some discounts must be asked about prior to getting the savings.

  • Anti-theft Discount – Cars that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your insurance coverage quote.
  • Resident Student – Older children who are enrolled in a college that is more than 100 miles from home and do not have a car could get you a discount.
  • Discount for Low Mileage – Low mileage vehicles could be rewarded with slightly better rates than normal.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school.
  • Safety Course Discount – Taking time to complete a defensive driving class could cut 5% off your bill and make you a better driver.
  • Include Life Insurance and Save – Select insurance companies reward you with better rates if you take out auto and life insurance together.

A little note about advertised discounts, most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it’s just not the way it works. Any amount of discount should help lower the amount you have to pay.

A few of the larger companies and some of their more popular discounts are outlined below.

  • Mercury Insurance may include discounts for age of vehicle, annual mileage, good driver, good student, ease of repair, multi-car, and accident-free.
  • Farmers Insurance has discounts for bundle discounts, multi-car, switch companies, alternative fuel, and early shopping.
  • Farm Bureau offers premium reductions for multi-policy, good student, 55 and retired, multi-vehicle, safe driver, and renewal discount.
  • State Farm may have discounts that include safe vehicle, Steer Clear safe driver discount, multiple policy, accident-free, and student away at school.
  • Allstate includes discounts for defensive driver, utility vehicle, safe driver, multi-policy, and new car.
  • GEICO may offer discounts for multi-vehicle, anti-lock brakes, air bags, membership and employees, federal employee, driver training, and defensive driver.

Before you buy a policy, ask each company or agent what discounts are available to you. Some of the earlier mentioned discounts might not be offered on policies in your state. To locate insurance companies with the best discounts, click here to view.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different.

These are some specific questions could help you determine whether your personal situation could use an agent’s help.

  • Does my insurance cover my expensive audio equipment?
  • What if I don’t agree with a claim settlement offer?
  • Are rock chip repairs covered?
  • Is motorclub coverage worth it?
  • Do I need to file an SR-22 for a DUI in my state?
  • Why am I required to get a high-risk car insurance policy?
  • How much liability insurance is required?
  • Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

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

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Insurance coverages 101

Understanding the coverages of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, rock chips in glass, hitting a bird, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses like hospital visits, pain medications, surgery, rehabilitation expenses and doctor visits. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Acura ILX.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for liability – This can cover injuries or damage you cause to other people or property. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as medical expenses, repair bills for other people’s vehicles, emergency aid, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Collision coverages – Collision coverage will pay to fix damage to your ILX from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with a tree, backing into a parked car, hitting a mailbox and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

More comparisons equals lower rates

Consumers who switch companies do it for a number of reasons such as poor customer service, extreme rates for teen drivers, questionable increases in premium or even lack of trust in their agent. It doesn’t matter why you want to switch finding a great new company can be easier than you think.

A few companies may not have internet price quotes and usually these regional insurance providers only sell coverage through independent insurance agents. Budget-friendly insurance is available from both online companies as well as from insurance agents, and you need to price shop both to have the best rate selection.

When getting insurance coverage quotes online, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, an accident victim reduced uninsured motorist or liability limits only to discover later that they should have had better coverage. The goal is to get the best coverage possible for the lowest cost while still protecting your assets.

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