Compare Acura ILX Insurance Rates in San Diego

Discount Acura ILX insuranceOverpriced insurance in San Diego can empty your funds and make it impossible to make ends meet.

Astonishing but true, nearly 70% of consumers have bought insurance from the same company for four years or more, and 38% of drivers have never quoted rates to find affordable coverage. Many consumers in California could save an average of roughly $470 each year by just comparing rate quotes, but they don’t know the large savings they would see if they moved their coverage to a different company.

There is such a variety of insurers to choose from, and although it’s a good thing to be able to choose, more choices can make it harder to compare company pricing for Acura ILX insurance in San Diego.

Locating the best insurance company for you in San Diego is much easier if you have a good place to start. If you’re already insured, you will definitely be able to shop for the lowest rates using the tips covered below. Nevertheless, California drivers need to have an understanding of the way insurance companies compete online.

Lower-cost San Diego car insurance quotes with discounts

Not many people think insurance is cheap, but you might find some hidden discounts that could drop your premiums quite a bit. Some discounts will apply when you complete an application, but some may not be applied and must be specially asked for prior to receiving the credit.

Discounts save money, but please remember that most discount credits are not given to the whole policy. Most only reduce specific coverage prices like medical payments or collision. Despite the fact that it seems like you could get a free car insurance policy, you aren’t that lucky.

A few of the larger companies and some of the discounts can be read below.

If you need the cheapest Acura ILX rate quotes, ask each company or agent which discounts you may be entitled to. Depending on the company, some discounts might not be available to policyholders in your area. To view companies who offer discounts in San Diego, click this link.

The method we recommend to compare insurance rates from multiple companies is to know most of the larger companies provide online access to quote your coverage. The only thing you need to do is give them rating details including whether you are married, whether the vehicles are used for commuting, deductibles desired, and your general credit rating. That rating data gets sent immediately to multiple top-rated companies and they respond with quotes immediately.

If you would like to start a quote now, click here and enter your zip code.

The companies shown below have been selected to offer price comparisons in California. If multiple companies are shown, we suggest you compare several of them to get the best price comparison.

How Insurance Companies Calculate Acura ILX Insurance Rates

Multiple criteria are taken into consideration when quoting car insurance. Some factors are common sense such as your driving record, but other criteria are less apparent like where you live or your vehicle rating. An important part of buying insurance is that you know a few of the rating criteria that are used to determine your policy premiums. When you know what positively or negatively impacts premium levels, this enables informed choices that could help you find cheaper rates.

Shown below are just a few of the factors used by insurance companies to determine your rates.

There’s no such thing as the perfect auto insurance policy

When it comes to the best auto insurance coverage, there is no perfect coverage plan. Your financial needs are unique.

For instance, these questions can aid in determining whether or not you would benefit from an agent’s advice.

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.

Shop online but buy locally

Certain consumers still like to visit with an insurance agent and we recommend doing that The biggest benefit of getting online price quotes is the fact that you can find lower rates but also keep your business local.

Find insurance agent in San DiegoOnce you complete this form (opens in new window), the coverage information is sent to agents in your area who want to provide quotes and help you find cheaper coverage. It makes it easy because there is no need to do any legwork since price quotes are sent directly to you. You can get cheaper insurance rates without a big time investment. If you have a need to get a price quote from a specific insurance provider, you would need to search and find their rate quote page and give them your coverage information.

Deciding on an provider requires more thought than just a cheap price. The answers to these questions are important, too.

If you prefer to buy insurance from a good insurance agency, it’s helpful to know the different types of agencies and how they differ in how they quote coverages. Insurance agents may be either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

Agents that elect to be exclusive are contracted to one company like AAA, State Farm, Farmers Insurance, and Allstate. They usually cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive insurance agents are trained well on their company’s products which helps offset the inability to provide other markets.

Listed below is a list of exclusive agencies in San Diego willing to provide rate quotes.


7061 Clairemont Mesa Blvd Ste 217San Diego, CA 92111(858) 560-5400View Map

Steve Elder – State Farm Insurance Agent
9225 Mira Mesa Blvd #208dSan Diego, CA 92126(858) 271-8928View Map


8888 Clairemont Mesa Blvd nSan Diego, CA 92123(858) 279-2173View Map

View more San Diego agents

Independent Insurance Agencies

Agents that choose to be independent can quote rates with many companies so they have the ability to put coverage with any number of different companies and potentially find a lower price. If your premiums go up, an independent agent can move your coverage and you don’t have to do anything. If you are trying to find cheaper rates, we highly recommend that you get several quotes from multiple independent agents for the best price selection.

Listed below is a list of independent insurance agencies in San Diego that can give you rate quotes.


1274 Scott StSan Diego, CA 92106(800) 266-2662View Map


11440 W Bernardo Ct #161San Diego, CA 92127(858) 431-9880View Map


3443 Camino del Rio S #221San Diego, CA 92108(619) 296-6222View Map

View more San Diego agents

Upon receiving good responses to any questions you have as well as an affordable premium quote, it’s a good possibility that you have found an auto insurance agent that is reliable enough to properly insure your vehicles.

Auto insurance does more than just repair your car

Even though it can be expensive, paying for auto insurance is required for several reasons.

The benefits of carrying adequate insurance more than cancel out the cost, especially for larger claims. But the average American driver overpays more than $700 annually so compare quotes from several companies at every policy renewal to ensure rates are inline.

Lower rates by being persistent

People change insurance companies for a number of reasons such as policy cancellation, poor customer service, delays in paying claims or not issuing a premium refund. Whatever your reason, switching insurance companies is not as hard as you think.

We’ve covered some good ideas how you can shop for Acura ILX insurance online. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers may even find the best price on insurance is with a small mutual company.

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut uninsured motorist or liability limits only to discover later that the savings was not a smart move. Your objective should be to buy a smart amount of coverage at the best possible price and still be able to protect your assets.

Much more information about insurance in California is available at these links: