2014 Acura ILX Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for an 2014 Acura ILX are $1,320 a year for full coverage. Comprehensive costs on average $260 a year, collision costs $446, and liability coverage costs $456. Buying a liability-only policy costs as little as $508 a year, with high-risk insurance costing around $2,858. Teenage drivers receive the highest rates at $5,040 a year or more.
Annual premium for full coverage: $1,320
Rate estimates for 2014 Acura ILX Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2014 Acura ILX models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $508 for just liability insurance to a high of $2,858 for high-risk insurance.
These differences show why it is important for drivers to compare rates based on a specific location and risk profile, rather than using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2014 Acura ILX Insurance
Looking for cheaper insurance rates for your Acura ILX? No one cherishes buying insurance, in particular when the cost is too high. Insurance companies such as GEICO and Progressive constantly blast consumers with catchy ads and it is difficult to not get sucked in by the cute commercials and find the best price available.
Consumers need to compare prices before your policy renews because insurance rates are adjusted regularly by insurance companies. If you had the best price on ILX insurance on your last policy there may be better deals available now. So forget anything you know (or think you know) about insurance because you’re going to get a crash course in the best way to remove unneeded coverages and save money.
If you have insurance now or need a new policy, you can use these techniques to cut your premiums and possibly find even better coverage. Choosing the best insurance company for you is not that difficult. Vehicle owners just need to understand the proper way to compare prices online.
Comparison of Insurance Coverage
Getting better 2014 Acura ILX insurance coverage pricing doesn’t have to be difficult. The only thing you need to do is take a couple of minutes to get quotes online with multiple companies. This can be done in a couple of different ways.
- The easiest and least time consuming way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This method keeps you from doing repetitive form submissions for each company you want a rate for. In just a few minutes this one form gets rate comparisons from several companies.
- A more difficult way to obtain and compare quotes online requires a visit to the website of each company to request a price quote. For example, let’s assume you want to compare rates from Farmers, Esurance and Progressive. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is quicker. To view a list of companies in your area, click here.
Whichever way you use, make absolute certain that you use the exact same coverages with every price quote. If each company quotes different deductibles you can’t possibly find the best deal for your Acura ILX.
Do you really save 40% when you switch?
Drivers get pounded daily by advertisements that promise big savings from the likes of 21st Century, Allstate and State Farm. All the companies make an identical promise about savings if you change your coverage to them.
How do they all say the same thing?
All the different companies have a certain “appetite” for the right customer that is profitable for them. An example of a profitable customer could possibly be between the ages of 30 and 50, insures multiple vehicles, and has great credit. Any driver who matches those parameters will qualify for the lowest rates and is almost guaranteed to save quite a bit of money when switching.
Consumers who don’t meet the requirements must pay higher rates which leads to the customer not buying. The ads say “customers who switch” not “everyone that quotes” save that much money. That is how insurance companies can state the savings.
This illustrates why it’s extremely important to quote coverage with many companies. It’s impossible to know which car insurance company will have the lowest Acura ILX insurance rates.
Verify you’re getting all your discounts
Properly insuring your vehicles can get expensive, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically when you purchase, but some must be requested specifically in order for you to get them. If you’re not getting every credit you qualify for, you’re just leaving money on the table.
- Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
- Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
- Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
- Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on ILX insurance than less cautious drivers.
- Military Rewards – Being on active duty in the military could mean lower rates.
- Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think you can get free auto insurance, you won’t be that lucky. Any amount of discount will help reduce the amount you have to pay.
A partial list of companies that may offer these benefits include:
Check with every prospective company which discounts you may be entitled to. Discounts might not apply in your area.
When should I talk to an agent?
When buying coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different so your insurance should reflect that These are some specific questions could help you determine whether or not you would benefit from an agent’s advice.
- Do I have coverage for damage caused while driving under the influence?
- Will my insurance pay for OEM parts?
- Will I lose any money if I cancel my policy before it expires?
- Does my 2014 Acura ILX need full coverage?
- How much underlying liability do I need for an umbrella policy?
- When should I remove comp and collision on my 2014 Acura ILX?
If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.
Insurance policy specifics
Learning about specific coverages of a insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.
Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
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. Your policy might show limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage protects against things such as attorney fees, court costs, loss of income, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.
Collision coverage pays for damage to your ILX from colliding with another car or object. A deductible applies then your collision coverage will kick in.
Collision insurance covers things like damaging your car on a curb, scraping a guard rail, driving through your garage door, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.
Uninsured and underinsured coverage
This gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2014 Acura ILX.
Since a lot of drivers 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. Frequently these coverages are similar to your liability insurance amounts.
This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as falling objects, hitting a bird and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for bills for things like EMT expenses, prosthetic devices, ambulance fees and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Saving money makes a lot of cents
When shopping online for insurance coverage, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at an affordable rate.
We just showed you a lot of information how to get a better price on 2014 Acura ILX insurance. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. Consumers could even find that the lowest priced insurance coverage comes from the least-expected company. They may have significantly lower rates on certain market segments than their larger competitors like GEICO and State Farm.
More detailed insurance coverage information is located at these sites:
Rates by U.S. City
|New York City, NY||$2,088|
|Los Angeles, CA||$2,259|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$93|
|5-yr Claim Free||$85|
|Paid in Full/EFT||$57|
Discounts are estimated and may not be available from every company or in every state.