2012 Acura ZDX Insurance Quotes – 5 Tricks for Cheaper Rates

Trying to find cheaper insurance coverage rates for your Acura ZDX? I can’t think of a single person who likes having to buy insurance coverage, especially when they are aware that their premiums are too high. Numerous car insurance companies battle for your business, and it can be difficult to compare rates to find the lowest cost out there.

Lower your insurance rates with these five discounts

Some providers don’t always publicize the complete list of policy discounts very clearly, so the following list contains some of the best known as well as some of the hidden insurance savings. If you do not double check each discount available, you could be getting lower rates.

• Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you can avoid the installment charge.
• Savings for New Vehicles – Buying a new car model can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.
• Good Student Discount – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
• Multi-Vehicle Discounts – Purchasing coverage when you have multiple vehicles with the same insurance company can reduce the rates for all insured vehicles.
• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices can help prevent theft so companies will give you a small discount.

As a sidenote, most credits do not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, companies don’t profit that way.

To locate insurers with the best discounts, click here.

You are unique and your car insurance should be too

When choosing coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions can aid in determining if your situation might need professional guidance.

• Why am I be forced to buy a membership to get insurance from some companies?
• What if I don’t agree with a claim settlement offer?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Should I bundle my homeowners policy with my auto?
• Does car insurance cover theft of personal property?
• Can I afford to buy a different vehicle if my 2012 Acura ZDX is totaled?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.

Car insurance 101

Learning about specific coverages of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages available from car insurance companies.

Liability auto insurance

This will cover damage that occurs to other’s property or people that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims like repair bills for other people’s vehicles, funeral expenses, legal defense fees and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Acura ZDX.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, hitting a deer and fire damage. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage covers damage to your ZDX resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, colliding with another moving vehicle, scraping a guard rail, sustaining damage from a pot hole and hitting a parking meter. 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 bump up the deductible to save money on collision insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like chiropractic care, funeral costs, ambulance fees and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Smart shoppers get results

Lower-priced insurance is attainable both online in addition to many insurance agents, so get free auto insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies may not provide rates over the internet and most of the time these smaller companies sell through local independent agencies.

When getting auto insurance quotes online, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed collision coverage to discover at claim time that they should have had better coverage. The proper strategy is to buy the best coverage you can find at the best possible price while not skimping on critical coverages.

You just read many ways to lower your 2012 Acura ZDX insurance prices. The most important thing to understand is the more times you quote, the better chance you’ll have of finding affordable auto insurance. You may even find the biggest savings come from a smaller regional carrier. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and Geico.

More information is available on the following sites:

• Crash Avoidance Technologies FAQ (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• Bodily Injury Coverage (Liberty Mutual)
• Vehicle Size and Weight FAQ (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)