In addition to finding a low Acura insurance rate, it is important to look for an insurance provider that can offer the coverage that matches your lifestyle and driving habits and can pay out a claim on a reliable and on time basis.
The best insurance companies go above and beyond to offer reasonable prices to their policyholders and provide good customer service, a fast claims process and a variety of discounts.
Insurance providers consider several factors when calculating the car insurance price.
Age, gender, driving record and geographical location have a lot to do with your course, but the car's make and model also play an important role in determining the cost of your insurance.
When comparing prices, it is important to understand how insurance companies consider risk as it pertains to your specific vehicle.
Security ratings, thresholds, the likelihood of theft and repair costs all affect the price you pay for insurance.
How much does Acura insurance cost?
When you shop for Acura insurance, you may notice a considerable variation in prices from company to company.
Although some deals are downright cheap, some are expensive and others are mid-range.
Although choosing the cheapest price may seem like a good idea, it is important that you compare several quotes and make sure you understand what each company is offering for the quoted price.
Examining each company's ratings and reviews, financial strength, and policy and discount offers are equally important.
There are a number of factors that have to do with your specific vehicle that affect your insurance premium.
Below is a summary of viewing factors, as well as other important considerations that come into play for Acura vehicle owners.
Safety rating and threshold value
The Insurance Institute for Motorway Safety (IIHS) conducts safety tests and publishes safety ratings for hundreds of passengers. vehicles every year.
IIHS rates vehicles in several safety categories and gives one of four overall ratings: "G" (Good), "A" (acceptable), "M" (marginal) or "P" (poor). Here are some examples of the latest Acura safety ratings.
2018 Acura ILX
Acura ILX 2018 received almost exclusively G ratings, with the exception of headlights, which received M and child seat anchors, which received A.
These ratings are likely to lead to a lower insurance level.
Additional tests were performed on the vehicle's front collision prevention, which was rated Superior, provided that the driver had purchased the optional safety features with the vehicle.
2014 Acura TSX Sport Wagon
The Acura TSX Sport Wagon 2018 also performed quite well in IIHS safety tests and received mostly G-ratings in addition to the driver's small overlapping front, which was rated M.
Again, these results are likely for to help consumers get a lower interest rate on Acura insurance.
Extensive and collision coverage
Extensive and collision coverage is primarily determined by the total value of your vehicle.
This value e is based on a number of factors including the make and model of the vehicle, year and condition and your geographical location.
Specific vehicle values can be found using the Kelley Blue Book (KBB). For these examples, the values are based on vehicles in good condition and are located in the Los Angeles area, zip code 90005.
According to KBB, the value of a 2018 Acura ILX Special Edition Sedan 4D with standard features is between $ 21,760 and $ 25,767.  Acura TSX Sport Wagon 2014 is rated slightly lower with a fair market range between $ 17,789 and $ 20,144.
Claims Frequency and potential to cause damage
IIHS compiles claims data and reports insurance losses when it applies to specific vehicles.
This includes the rate of damages and the number of dollars lost per claim.
Vehicles in the study are classified into the following categories: collision, property damage, extensive, personal injury, medical payment and bodily injury.
In the IIHS latest insurance loss report, the Acura TLX (Medium Luxury category) received an "average" rating in all categories.
Depending on the insurance this may or may not affect the price of your insurance.
Lots of insurers reward policyholders with discounted insurance premiums if their vehicles are equipped with the latest safety features.
Those who drive newer Acura models are likely to benefit from these discounts.
Many of these newer models are equipped with a blind block information system, Surround-View camera, Vehicle Stability Assistant and AcuraLink®, a built-in system that allows drivers to send and retrieve location and diagnostic information in the event of an emergency.
Get a quote: What are the best companies for Acura Insurance?
When buying car insurance for your Acura – or any other car brand – it is best to get a quote from at least three companies.
Once you have done that, check the ratings and reviews of the companies you are considering to ensure that the company you are content with meets your requirements. Some other important factors to consider are:
- Financial strength
- Licensing of company / agent
- Customer service
- Comfort level with the representative
When you have limited your options and are ready to meet a representative from your insurance company, be sure to ask some of the following questions to get the best possible price for your insurance:
- Do you offer discounts to better drivers?
- If my mileage is low, do I am entitled to a discount?
- Do you offer discounts for several vehicles or package policy?
- Do I get a lower interest rate if I cancel full or automatic payments?
What to know about Acura
Acura is a luxury series of high-performance vehicles owned by Honda.
The company is headquartered in Japan, but Acura vehicles are located in North America and other selected countries.
Parts for Acuras are generally easy to obtain in the event of repairs
However, Acura is well known for manufacturing cars that are built to last and require little maintenance in addition to standard maintenance.
The above information should give you a good understanding of how different factors can affect your Acura insurance.
Armed with these details, you should feel confident negotiating an affordable price range that works well with your budget.
* While doing our utmost to keep our site up to date, please be aware that "current" information on this site, such as quotation estimates or relevant company information, may only be accurate as of the last edit date. Huntley Wealth & Insurance Services and its representatives do not provide legal or tax advice. Contact your own legal or tax advisor.