2011 Acura ZDX Insurance Quotes

Looking for better insurance coverage rates for your Acura ZDX? Having to pay for overpriced insurance coverage can bleed your personal savings and maybe even restrict other spending. Doing a price comparison is free, only takes a few minutes, and is a good way to make ends meet.

Lots of insurance companies contend for your business, so it’s not easy to compare every insurance company and uncover the absolute best rates possible.

It’s important to compare premium rates once or twice a year because insurance coverage prices are usually higher with each renewal. Just because you found the lowest rates on ZDX insurance a couple years back you will most likely find a better premium rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the best methods to find the best coverage while lowering your premiums.

If you are insured now or need a new policy, you can learn to get lower rates while maximizing coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to know the proper way to compare rates online.

Discounts to earn cheaper insurance rates

Insurance can be pricey, but companies offer discounts to reduce the price significantly. A few discounts will be applied at quote time, but some need to be specifically requested before being credited.

• One Accident Forgiven – Not necessarily a discount, but companies like Allstate, State Farm and Geico permit an accident without the usual rate increase if you are claim-free prior to the accident.
• Government Employees – Simply working for the federal government could provide a small rate reduction on ZDX insurance depending on your company.
• E-sign – A handful of insurance companies provide a small discount for signing up on your computer.
• Military Deployment Discount – Being deployed with a military unit can result in better premium rates.
• Savings for New Vehicles – Insuring a vehicle that is new may earn a small discount since new vehicles are generally safer.
• Life Insurance – Insurance companies who offer life insurance give better rates if you take out auto and life insurance together.
• Onboard Data Collection – Drivers who elect to allow their insurance company to scrutinize driving manner through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as they are good drivers.
• Pay Early and Save – If you pay your bill all at once rather than spreading payments over time you could save up to 5%.
• Good Driver Discounts – Drivers without accidents can save as much as half off their rates on ZDX insurance compared to accident prone drivers.

Discounts save money, but please remember that many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of insurers who offer insurance discounts, click here to view.

Choices you make can impact your insurance premiums

Smart consumers have a good feel for some of the factors that are used to determine your car insurance rates. If you have a feel for what influences your rates, this enables informed choices that could result in lower premium levels.

Shown below are some of the things used by insurance companies to determine prices.

• Is insurance cheaper for men or women? – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that females are better at driving than males. Males and females tend to get into accidents at about the same rate, but the men have accidents that have higher claims. Men also tend to get more serious tickets like reckless driving and DUI. Male teenagers cause the most accidents so they pay the highest premiums.
• Low deductibles can be expensive – Physical damage insurance, also called comprehensive and collision insurance, covers your vehicle from damage. Examples of some claims that would be covered would be a dented fender, hitting a deer, and burglary. Comprehensive and collision coverage deductibles tell how much you are willing to pay out-of-pocket before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the lower your rates will be on ZDX insurance.
• Don’t skimp on liability insurance – Your car insurance policy’s liability coverage provides coverage if ever you are determined to be liable for damages from an accident. Liability provides legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
• Prices impacted by your city – Living in less populated areas of the country may provide you with better prices when talking about car insurance. Lower population means a lower chance of having an accident in addition to lower liability claims Drivers who live in large cities have congested traffic and a longer drive to work. Spending more time driving statistically corresponds to a higher accident and claim rate.
• Combine policies and save money – Many insurance companies will award better rates to clients that buy multiple policies such as combining an auto and homeowners policy. The discount can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, drivers will still want to shop around to help guarantee you have the best rates.There is a chance you can find better rates by splitting coverages up.
• Rate your vehicle for proper use – Driving more miles in a year’s time the more you will pay for car insurance. Most insurance companies rate vehicles based upon how the vehicle is primarily used. Vehicles left parked in the garage can get a lower rate than cars that get driven a lot. Ask your agent if your car insurance policy is rated on the correct usage. Having an incorrect usage rating on your ZDX is just wasting money.
• Traffic violations increase premiums – Just one speeding ticket or other violation can increase rates by twenty percent. Good drivers pay lower auto insurance prices than their less careful counterparts. Drivers who have gotten license-revoking citations such as DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there isn’t really a one size fits all plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

• Should I put collision coverage on all my vehicles?
• When do I need to add a new car to my policy?
• When should I not file a claim?
• Am I covered if I hit my neighbor’s mailbox?
• Is borrowed equipment or tools covered if stolen or damaged?
• What is covered by UM/UIM coverage?
• Can I get a multi-policy discount?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Don’t listen to company ads

Consumers can’t get away from all the ads that promise big savings for switching by companies like Progressive, Allstate and Geico. They all tend to make the same promise that you can save after switching your coverage to them.

But how can every company charge less that you’re paying now? This is the way they can do it.

Insurance providers have underwriting criteria for the type of driver that earns them the most money. For example, this type of insured might be married and over the age of 30, has never had a policy lapse, and drives less than 5,000 miles a year. Any person who fits those characteristics will most likely get cheap car insurance rates and will most likely save a lot of money.

Drivers who don’t meet the ideal profile will probably be forced to pay a higher premium which translates to the prospect going elsewhere. The ad wording is “drivers who switch” not “all people who quote” save that kind of money. That’s the way companies can truthfully make it sound like they have such great car insurance rates. Because each company has a different risk profile, you really should get insurance coverage quotes as often as possible. It is impossible to predict which company will have better rates than you’re paying now.

Insurance policy specifics

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. Listed below are typical coverages offered by insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like prosthetic devices, doctor visits, rehabilitation expenses, chiropractic care and funeral costs. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, vandalism, fire damage, damage from a tornado or hurricane and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

Collision insurance pays for damage to your ZDX resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with a tree, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability car insurance

Liability insurance can cover damage or injury you incur to other people or property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like court costs, loss of income, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Acura ZDX.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Best coverage at the best price

Lower-priced car insurance can be sourced on the web as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates. A few companies may not offer online rate quotes and most of the time these regional insurance providers sell through local independent agents.

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. Too many times, someone dropped full coverage only to regret at claim time that the small savings ended up costing them much more. Your objective should be to purchase a proper amount of coverage for the lowest price, but do not sacrifice coverage to save money.

Additional information

• Young Drivers: The High Risk Years Video (iihs.org)
• Older Drivers FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Auto Theft Statistics (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)