Acura Car Insurance

If you’re thinking of buying a new Acura car, then you need to know about Acura car insurance. Acura is a division of Honda - their luxury division, to be exact. Thus, Acura cars tend to come with state-of-the-art features that you will want to protect through car insurance. Continue reading to find out what type of car insurance makes the most sense for Acura drivers in Canada.

What types of car insurance do I need as an Acura driver?

There are four main types of auto insurance that you will need as an Acura driver in Ontario, whether you drive an ILX or their brand new 2024 ZDX. The four types of coverage below are designed to protect you from the cost of collisions, whether those collisions result in property damage, bodily injury, or both:

Third-party liability coverage

Liability car insurance is designed to cover policyholders for at-fault accidents. If you get into a collision in your Acura that you are found to be at fault for, liability coverage can pay for various costs associated with the accident, like medical fees, legal fees, and repair bills.

Accident benefits coverage

The purpose of accident benefits coverage is to cover the cost of medical or rehabilitative care if you are injured in a car accident. For example, if you break your arm after an accident, you can file an accident benefits claim and receive a payout for any medical care, physical therapy, or prescription medications that might be required and are not covered by health insurance.

Direct compensation - property damage coverage

Direct compensation - property damage (or DCPD for short) coverage is a type of property damage insurance that will pay for your car to be repaired if it gets damaged in an accident for which you are not at fault.

Uninsured motorist coverage

Uninsured motorist coverage is the last type of mandatory car insurance coverage for Acura drivers. It aims to protect you if you get into an accident with a driver who is uninsured, underinsured, or who is anonymous because they fled the scene of the accident.

Additional auto insurance protection for Acura drivers

Basic car insurance isn’t enough for many drivers, especially policyholders who drive cars as nice as Acuras. For this reason, you may want to add additional coverage to your policy. Continue reading for a breakdown of some of the most popular optional coverage types among Acura drivers:

Collision coverage

Collision car coverage is the first type of extra car insurance coverage that you may wish to add to your Acura car insurance plan. If you own a new Acura, then this type of coverage might be especially worthwhile due to the high value of your car. Without it, if you get into an at-fault accident, you would be on the hook for repair costs. But with this type of coverage, you can file an insurance claim, and your insurer will help you pay for any necessary repairs. Thus, collision coverage is a type of property damage coverage that can help policyholders pay to repair or replace their cars if they get damaged in accidents.

Comprehensive coverage

Comprehensive car coverage is the second type of optional coverage that Acura drivers should know about. If you want to protect your Acura car against theft, vandalism, and other non-collision-related risks, comprehensive coverage is the way to do so. A list of insured perils that your comprehensive insurance will cover will be listed in your policy. This list usually includes theft, fire, explosions and riots, vandalism, falling and flying objects, and weather-related events.

Accident forgiveness coverage

One more type of optional car insurance coverage popular among Acura drivers is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim. Note: coverage and eligibility vary by province and insurance company.

Loss of use coverage

Loss of use coverage is a type of coverage where you can be reimbursed for alternate transportation costs if your car is temporarily unusable. For example, if your vehicle gets damaged in an accident and needs to go into the shop for a week, you might need to rent a car or take taxis during this time. These costs can add up, but with loss of use coverage, you can file a car insurance claim and be reimbursed for these extra travel expenses.

How are Acura car insurance rates calculated?

As mentioned previously, the make of the car you drive is just one factor that an insurance company will consider when calculating your rates. There are many other factors that will come into play. This is why insurance premiums for Acura drivers vary so widely. A comprehensive list of details that an insurance company will consider when calculating your premium can be found below:

  • Where you live and regularly commute
  • Age
  • Model, make, trim, and year of vehicle
  • Past claims
  • Average mileage
  • Driving experience
  • Driving record
  • Insurance history
  • Your deductibles
  • The coverage you choose
  • Regulatory bodies
  • How you use your vehicle
  • Gender
  • Your credit score

It is important to note that insurance brokers like BrokerLink do not set rates. Insurance companies do this. However, an insurance broker can still help you shop around for a policy, renew your car insurance policy, bind coverage, and give you all sorts of advice on ways to save or what types of coverage are worth adding to your plan.

If you want a more accurate idea of how much an Acura auto insurance policy will cost you, reach out to BrokerLink today and request a free quote.

What is Acura car insurance?

Acura car insurance is an auto insurance policy for an Acura model of vehicle. These policies are available at almost any insurance broker or insurance company in Canada. Insurers do not discriminate against certain makes or models of vehicles, so this means that you should be able to buy an Acura car insurance policy from your preferred insurance company.

That said, the types of coverage you buy as an Acura driver matter. Not just any coverage will do. First, you need to make sure that the coverage you buy complies with local laws in the province you live in. In Ontario, all drivers must have the following types of coverage:

  • Liability car insurance
  • Accident benefits coverage
  • Uninsured automobile coverage
  • Direct compensation coverage

However, as an Acura owner, you may also wish to purchase additional coverage, such as comprehensive car coverage or collision car insurance. This is because if your car is brand new or high in value, then the cost of repairing it would be high. You don’t want to be on the hook for such costs. When you add comprehensive or collision car insurance to your policy, you will have broader protection. For example, if your Acura vehicle is stolen or it gets damaged in an at-fault accident, you can file a claim and receive a payout from your insurance company. However, if you didn’t add these types of enhanced coverage to your policy, then you wouldn’t be covered in either of these circumstances.

It is important to note that if you choose to take out a car lease on your Acura vehicle, then the leasing company might require you to add comprehensive or collision coverage to your plan. If this is the case, it would be clearly stated in your lease contract, and you would likely be required to hold this type of coverage until your lease is up.

More about Acura

As mentioned, Acura is a Japanese auto manufacturer and a division of another Japanese auto brand, Honda. Acura is known to be a reliable car brand that sells luxury vehicles in a wide range of sizes, from sedans and sports cars to crossovers and SUVs. A few of Acura’s most popular vehicles include the RDX, MDX, ILX, and TLX. The brand also recently launched its first-ever all-electric vehicle, the 2024 ZDX. This means that if you’ve always wanted to try a hybrid or electric vehicle, you can do so through Acura.

Important safe driving tips for Acura drivers

Being a safe driver is of the utmost importance, especially if you want to reduce the odds of getting into an accident while driving your Acura. To help ensure that you stay safe on the road, follow the safe driving tips listed below and contact BrokerLink for an even more comprehensive list:

Keep your focus on the road at all times

Focusing on the road at all times is very important as an Acura driver. This is the only way to ensure that you know what’s going on in front of you and have time to react to it. Unfortunately, distracted driving is a common problem and one of the most common causes of car accidents. Thus, it’s important to be proactive about concentrating on the road and minimizing distractions while driving. The way to do this is by putting your phone somewhere that you can’t reach it, eating and drinking before getting behind the wheel, and adjusting your GPS, radio, or AC system before putting the car in drive.

Always drive according to the posted speed limit

Speeding is not only unwise, it’s illegal. If you want to avoid a hefty fine, reduce your odds of getting into a car accident, and maybe even qualify for cheaper car insurance, you should always obey the posted speed limit. Take note of the speed limit on every road you are driving on and do your best not to exceed it. The faster you drive, the less time you have to react. This is a quick way to get into a collision. Beyond driving the speed limit, you might even slow down to below the speed limit when driving in poor weather conditions, at night, through construction zones, or in areas with high pedestrian traffic.

Increase your visibility as much as possible

Visibility is key while driving. After all, the more you can see, the more aware you are of possible hazards, and the more responsibly you can drive. A few steps that you can take to increase your visibility as a driver include wearing sunglasses and using your sun visor when driving on sunny days, turning on your high or low beams when driving at night or in fog, and cleaning off your windshield and mirrors on snowy days. You should also take care to drive slower at times when visibility is reduced.

A step-by-step guide to filing an Acura car insurance claim

If you get into an accident while in your Acura, then you will need to file an insurance claim with your provider. If you’ve never filed a claim before or need a refresher, keep reading. Below is a step-by-step guide to filing an Acura auto insurance claim:

1. Notify your insurance company about the accident

The first step is to notify your insurance company about the accident. You should do this as soon as you can following the accident but no more than seven days after it. The easiest way to get in touch with your insurance company is likely by phoning them, but you can visit their office in person if you prefer to do so. When you get in touch, be prepared to answer some questions about the accident and to ask questions about the insurance claims process. This is a great time to ask how long the process typically takes, as it can vary between providers, as well as what forms you need to fill out and what evidence you should be prepared to provide during the claims process. You may also wish to ask about how payouts are issued, including the time frame and payment method.

2. Collect evidence from the accident

Next, it’s time to start collecting your evidence from the accident. After the accident, you likely took photos and videos of the scene. Now is the time to gather that all so that you can submit it along with your insurance claim. Other pieces of evidence that will be useful include the police report, witness statements, and any repair bills for your car or medical bills if you were injured in the accident and sought medical attention.

3. Fill out your insurance company’s claims forms and submit your claim

Your insurance company will likely have a form or series of forms that need to be filled out in order for the claim to be officially filed. Make sure that you fill out all of these forms accurately and completely. You might even want to have an insurance broker look them over before you submit them. Once they are ready to go, you can file the forms with your provider and officially submit your insurance claim.

4. Answer any questions asked by the insurance adjuster

Insurance companies assign insurance adjusters to investigate each claim that is submitted to them. During their investigation, the insurance adjuster might have additional questions for you. Cooperate with them as best you can and answer their questions as quickly as possible. This will help speed up the claims process.

5. Wait for your insurance company to contact you

The last step is to wait for your insurance provider to contact you. Once they have reached a decision, they will get in touch with you to update the status of your claim. At this time, they will inform you of whether your claim has been approved or denied. If it has been approved, they will also tell you what payout you are entitled to receive, how the payout will be made to you, and when you can expect to receive it. Nowadays, many insurance payouts are sent via direct deposit, which means you should expect to see the money in your account within two weeks of receiving notification from your insurance company.

If you are confused about any part of the insurance claims process, don’t hesitate to reach out to BrokerLink. One of our licensed insurance brokers would be happy to help you navigate this important but complex process and give you tips to help increase your odds of a successful claim.

Reach out to BrokerLink to learn more about Acura auto insurance

If you still have questions about Acura car insurance, reach out to BrokerLink today. We can answer all kinds of questions about Acura car insurance and Acura models, such as how long Acuras last in Canada.

Of course, as a full-service brokerage, we can also help you find a tailor-made policy for you and your Acura.

Here at BrokerLink, we’re here to help you with any insurance needs you may have. Whether it’s insuring your home, car, business, recreational items, or pets, let us help you find the best coverage possible.

You can reach us by phone, email, or by visiting us in person at any of our other locations across Canada. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool that can provide you with a competitive quote in minutes.

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*This article is in no way sponsored, endorsed, or associated with Acura.

Acura car insurance FAQs

What is the cheapest Acura model to insure?

There is no one Acura model that is always cheaper to insure than others. This is because the type of car you drive is just one of many factors that influence how much you pay for car insurance.

That said, cars that are cheaper tend to be less expensive to insure, so the lower-end Acura models might end up costing you less in car insurance than the most expensive models. In addition, cars with fewer modifications may also be cheaper to insure.

Is a used Acura cheaper to insure than a new Acura?

Again, there are many factors that come into play when an auto insurance premium is being calculated. However, the type of car you drive is one of them. Cheaper- (used) cars tend to be cheaper to insure than expensive cars, and since used cars are often cheaper than new cars, your car insurance policy might cost less if you buy a used Acura compared to a new one.

In addition, your insurance needs might be different for a new car versus a used one. If the used one is already several years old and thus lower in value, then adding collision or comprehensive coverage may not make sense. Conversely, if you buy a new Acura, adding collision and comprehensive coverage would be a smart choice since the value of the car is higher.

If you want to save money on car insurance by buying a used car, the general rule of thumb is to choose a car that is at least two or three years old. At this point, it will have depreciated enough in value that you might notice a more significant difference in your car insurance rates.

What is the best car insurance for Acura cars?

There is no one insurance company or insurance broker that is the best for Acura cars specifically. This is because each insurance company uses its own risk calculation formula to assess risk and assign premiums. In order to find out what Acura car insurance company is the best for you, you will need to shop around and compare quotes from different providers. If you choose to get a quote from a broker such as BrokerLink, they will compare quotes for you, saving you time and money.

How are Acura auto insurance rates calculated?

Acura car insurance rates are calculated using a wide variety of metrics and factors. Each insurance company has its own way of calculating premiums, including what factors they consider and how much weight they give to each factor. Examples of factors that will likely come into play when an insurance agent is calculating your rate include your age, your driving record, your driving experience, your home address, your credit score, your gender, the make, model, trim, and year of the car you drive, how frequently you drive, your insurance claims history, how you intend to use the vehicle whether that is for business use, personal use, or both, and if you’ve been a customer of the insurance company before or have prior insurance history.

Is it safe to buy Acura insurance online?

Yes. It is perfectly safe to buy any type of car insurance online, including Acura car insurance. In fact, buying insurance online is the easiest, most convenient way to do so, which is why so many customers do it!

What types of Acura car insurance can an insurance broker help me find?

An insurance broker can help you find all kinds of Acura car insurance coverages. This includes basic, mandatory coverage, like third-party liability car insurance or accident benefits coverage, as well as enhanced coverage, such as collision coverage, comprehensive coverage, or accident forgiveness coverage. Insurance brokers can also help find policies for certain kinds of drivers, like young drivers, senior drivers, or occasional drivers.

How do I get a snow tire discount on my Acura car insurance?

If you want to save money on your Acura car insurance policy, one way to do so is by installing winter tires on your Acura car. Many insurance companies across Canada now offer discounts to those who take the extra safety precaution of adding snow tires to their cars during the winter months. Snow tires increase traction and, therefore, reduce your risk of a collision. As a reward for increasing your safety, your insurance company may reduce your rate. Find out exactly what conditions must be met in order to qualify for this type of coverage by contacting BrokerLink.

How do I renew my Acura car insurance plan?

If you wish to renew your car insurance plan, then you’re in luck because the process is very easy. Before your existing policy expires, contact your insurance company and let them know that you want to renew your policy. If your policy is eligible for renewal, they will inform you of any changes to your premium, and if you sign off on them, they will renew your policy for you. Nowadays, you might be able to renew your policy entirely online, which makes the whole process even easier. If you prefer to renew your policy over the phone or in person, you can also do this. Please note that if you recently changed vehicles or upgraded to a different Acura model, you will need to notify your insurance company at the time of the upgrade, as this could impact your rates.

If I get into an at-fault accident while driving my Acura, will my auto insurance premium go up?

It is likely that your auto insurance premium will rise after getting into an at-fault accident. At-fault accidents affect driving records, and the more infractions you have on your driving record, the higher your rates are likely to be. Thus, until the at-fault accident is no longer on your record, which could take a number of years, you will likely pay more for car insurance. The only exception to this is if you have accident forgiveness coverage or if you are not found to be at fault for the accident. In either of these scenarios, your insurance rates may not change at all, even after getting into an accident.

Do I need car insurance to drive my Acura?

Yes. No matter where you live in Canada, you will need a valid car insurance policy in order to drive your Acura. Make sure that the policy you purchase complies with local insurance laws and regulations in the province you live in. For example, in order to legally drive an Acura or any type of vehicle in Ontario, you will need to purchase a policy that contains uninsured motorist coverage, accident benefits coverage, third-party liability coverage, and direct compensation coverage. Your policy will also need to contain no less than $200,000 in liability coverage. Driving your Acura without a valid insurance policy could result in fines, the impoundment of your vehicle, the suspension of your driver’s licence, and even jail time.

How can I find cheap car insurance for my Acura?

Finding cheap car insurance for your Acura is easier than you might think. Insurance brokers have all kinds of useful tips and advice that can help you save money on your policy. For example, if you bundle insurance policies, like car insurance and home insurance, you can save big. The same goes for if you have more than one car in your household and choose to buy multiple auto insurance policies. Car insurance discounts are also a great way to save. There are tons of discounts out there, like hybrid and electric car insurance discounts, winter tire discounts, safe driver discounts, driver’s education discounts, occasional drivers discounts, employment-based discounts, and education-based discounts.

If you have any questions, contact one of our local branches.

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