2016 Acura ILX Insurance Rates
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UPDATED: Jun 12, 2015
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Average insurance rates for an 2016 Acura ILX are $1,394 a year including full coverage. Comprehensive insurance costs around $282, collision insurance costs $512, and liability insurance costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs $3,022 or more. Teenage drivers receive the highest rates at up to $5,264 a year.
Annual premium for full coverage: $1,394
Rate estimates for 2016 Acura ILX Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2016 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 the average driver, prices range range from as low as $496 for just liability coverage to a much higher rate of $3,022 for a driver that may need high-risk insurance.
These differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on 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 2016 Acura ILX Insurance
Are you confused by the dozens of auto insurance options? Many other drivers are as well. Drivers have so many options available that it can be more work than you anticipated to find the best price.
You should take the time to compare rates quite often because rates are rarely the same from one policy term to another. Even if you think you had the best deal on ILX insurance six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the easiest ways to eliminate unnecessary coverages and save money.
Finding more affordable insurance coverage can be fairly easy. Just about everyone who is required by state law to have insurance coverage will more than likely be able to cut their insurance bill. Although vehicle owners must learn the methods companies use to market on the web and take advantage of how the system works.
How to Compare Car Insurance Quotes
Performing a rate comparison can be exhausting if you don’t understand the best way to get rate quotes. You could spend your day discussing policy coverages with insurance companies in your area, or you can utilize the web to accomplish the same thing much quicker.
Most of the larger companies belong to a marketplace that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote based on that information. This system prevents you from having to do repetitive form submissions to every company.
To submit your quote information now, click to open in new window.
The only downside to using this type of system is that consumers can’t choose which insurance companies you want pricing from. So if you prefer to choose specific providers to compare prices, we put together a list of the cheapest car insurance companies in your area. Click to view list.
It’s up to you how you get prices quotes, just ensure you are comparing identical quote information for every quote you compare. If you enter mixed coverages it will be very difficult to make an equal comparison. Just a small difference in coverage limits may cause a big price difference. And when price shopping your coverage, comparing a large number of companies will enable you to find the best price.
Are you getting all your discounts?
Properly insuring your vehicles can get expensive, buy you may qualify for discounts to help bring down the price. Some trigger automatically at the time you complete a quote, but lesser-known reductions have to be asked about prior to receiving the credit.
- One Accident Forgiven – A few companies permit an accident without raising rates as long as you don’t have any claims for a set time period.
- Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
- Bundle and Save – If you insure your home and vehicles with the same insurance company you may save at least 10% off all policies.
- Safety Course Discount – Successfully completing a course in driver safety can save you 5% or more if you qualify.
- Drivers Education – Require your teen driver to take driver’s ed class if it’s offered in school.
Consumers should know that most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, you’re out of luck. But all discounts will reduce the cost of coverage.
Insurance companies that may offer these discounts may include but are not limited to:
Before buying, ask every prospective company which discounts you may be entitled to. Discounts might not apply in your area.
Tailor your coverage to you
When it comes to buying the best insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different.
These are some specific questions might help in determining whether your personal situation might need an agent’s assistance.
- Do I really need UM/UIM coverage?
- How much liability do I need to cover my assets?
- Can I drive in Mexico and have coverage?
- What if I total my 2016 Acura ILX and owe more than it’s worth?
- How many claims can I have before being canceled?
- Can I get a multi-policy discount?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Do I have coverage for damage caused while driving under the influence?
If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.
Car insurance coverage information
Learning about specific coverages of car insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.
Comprehensive insurance – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as a tree branch falling on your vehicle, vandalism and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability auto insurance – Liability coverage protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims like pain and suffering, loss of income and bail bonds. How much coverage you buy is up to you, but consider buying as much as you can afford.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for EMT expenses, hospital visits, chiropractic care, X-ray expenses and funeral costs. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Collision coverage – This pays for damage to your ILX from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as crashing into a ditch, sustaining damage from a pot hole, hitting a mailbox, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.
Don’t be a big spender
The cheapest 2016 Acura ILX insurance can be bought on the web and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.
When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut collision coverage and found out when filing a claim that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.
Consumers switch companies for a number of reasons such as poor customer service, being labeled a high risk driver, high rates after DUI convictions or even not issuing a premium refund. No matter why you want to switch, switching companies is less work than it seems.
Rates by U.S. City
|New York City, NY||$2,202|
|Los Angeles, CA||$2,379|
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||$102|
|5-yr Claim Free||$90|
|Paid in Full/EFT||$63|
Discounts are estimated and may not be available from every company or in every state.