Save on 2012 Acura ZDX Car Insurance Rates

Nobody cherishes buying auto insurance, especially when the cost is way too high.

Big companies like Geico, Progressive and Allstate promote their brand names with ads and consumers find it hard to ignore the flashy ads and effectively compare rates to find the best deal.

It’s smart to take a look at other company’s rates on a regular basis due to the fact that insurance rates are variable and change quite frequently. Even if you got the lowest price for ZDX coverage two years ago you can probably find a better price now. You can find a lot of wrong information about auto insurance on the web, but I’m going to show you a bunch of ideas how to slash your auto insurance rates.

If you are paying for car insurance now, you will most likely be able to save some money using this information. Finding affordable coverage is not rocket science. Nevertheless, consumers benefit from understanding how big insurance companies sell online and apply this information to your search.

Discounts are basically free money

Insuring your vehicles can cost a lot, but you can get discounts to cut the cost considerably. Some discounts apply automatically at quote time, but less common discounts must be inquired about before being credited.

  • Paperwork-free – A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Homeowners Discount – Simply owning a home may earn you a small savings because owning a home demonstrates responsibility.
  • Club Memberships – Being a member of a qualifying organization is a good way to get lower rates when buying insurance coverage for ZDX coverage.
  • Good Student – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Accident Free – Drivers who don’t have accidents pay much less compared to frequent claim filers.
  • Accident Waiver – Some insurance companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.

It’s important to understand that most credits do not apply to the entire cost. Most cut specific coverage prices like comp or med pay. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts will reduce the cost of coverage.

Car insurance companies that may offer these discounts include:

It’s a good idea to ask each insurance company what discounts are available to you. Savings may not apply everywhere.

Compare Quotes for Car Insurance

Most major insurance companies allow you to get prices online. Getting quotes is quite easy as you simply type in the coverages you want as detailed in the form. After the form is submitted, their rating system automatically retrieves credit information and your driving record and generates pricing information based on many factors. Online price quotes makes comparing rates easy, but the time required to go to different websites and complete many quote forms is not the best way to spend an afternoon. But it’s absolutely necessary to have as many quotes as possible in order to get a lower rate.

Quote rates the easy way

The preferred way to find lower prices is to use a quote form that gets prices from a lot of companies. It saves time, helps eliminate reptitive entry, and makes online shopping much more enjoyable. As soon as the form is sent, your coverage is rated and you can select any or none of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process can be completed in less than 10 minutes and can result in significant savings.

To fill out one form to compare multiple rates now, click here to open in new window and enter your information. If you currently have coverage, we recommend you input the limits and deductibles identical to your current policy. This helps ensure you are getting rate comparison quotes based on the exact same insurance coverage.

Factors determining your Acura ZDX insurance premium

It’s important that you understand the different types of things that play a part in calculating your insurance coverage rates. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with big savings.

  • Safer cars cost less to insure – Vehicles with high crash test scores can get you lower premiums. Safe vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Acura earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Your spouse saves you money – Being married can get you a discount when buying insurance coverage. Having a spouse translates into being more mature and responsible and statistics show drivers who are married are more cautious.
  • Bundling policies can get discounts – Most insurers give discounts to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even though this discount sounds good, you still need to compare other company rates to confirm you are receiving the best rates possible.
  • More people means more accidents – Being located in a rural area can save you money when talking about insurance coverage. City drivers regularly have traffic congestion and much longer commute distances. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Don’t buy coverages you don’t need – There are a ton of extra bells and whistles that can waste your money when buying insurance coverage. Insurance for roadside assistance, accident forgiveness and term life insurance are examples of these. These may sound like a good investment initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Males pay more for insurance – The statistics show that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. Women and men cause accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like DUI and reckless driving.
  • Tickets mean higher rates – Your driving record impacts your car insurance rates tremendously. Careful drivers receive lower rates compared to drivers with tickets. Just one ticket can boost insurance rates forty percent or more. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.

Which insurance is the “right” coverage?

When choosing adequate coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance needs to address that. For instance, these questions can help discover whether you might need an agent’s assistance.

  • Am I covered when driving someone else’s vehicle?
  • Does insurance cover tools stolen from my truck?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I afford to buy a different vehicle if my 2012 Acura ZDX is totaled?
  • Are split liability limits better than a combined single limit?
  • What is medical payments coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Coverages available on your insurance policy

Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages found on most insurance policies.

Collision protection

Collision insurance will pay to fix damage to your ZDX from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as driving through your garage door, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability

This coverage provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like court costs, emergency aid and medical expenses. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Acura ZDX.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, damage from flooding and theft. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses like prosthetic devices, dental work, funeral costs and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Compare but don’t skimp

Throughout this article, we presented many tips how you can save on 2012 Acura ZDX insurance. The key thing to remember is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from the least-expected company. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Allstate and Progressive.

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. In many instances, an accident victim reduced liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at an affordable rate.

More detailed car insurance information is available in the articles below: