Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Apr 11, 2018

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Shoppers have lots of choices when shopping for the lowest priced Acura ZDX insurance. You can either waste hours contacting agents to get rate comparisons or save time using the internet to get rate quotes. There are both good and bad ways to buy insurance and we’ll show you the quickest way to compare rates for a Acura and locate the cheapest rates either online or from local insurance agents.

The method we recommend to get rate comparisons is to know the fact most insurance companies participate in online systems to give you rate quotes. To start a quote, the only thing you need to do is give the companies some data like an estimate of your credit level, driver ages, the year, make and model of vehicles, and if you went to college. That rating information is instantly sent to insurance carriers in your area and you get price estimates very quickly.

How do insurance companies determine Acura ZDX insurance costs?

Multiple criteria are used when you quote your car insurance policy. Some factors are common sense like an MVR report, but other factors are not quite as obvious such as your marital status or how financially stable you are.A large part of saving on insurance is knowing the factors that help determine your premiums. When you understand what determines premiums, this helps enable you to make changes that may result in lower rates.

  • Multiple policies with one company can save – Lots of insurers will award better rates to customers who carry more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, it’s still a good idea to compare rates to confirm you are receiving the best rates possible.
  • How do annual miles impact rates? – The more you drive in a year’s time the more you will pay for insurance. The majority of insurers charge to insure your cars based on their usage. Autos that sit idle most of the time can get a lower rate than those that get driven frequently. A policy that improperly rates your ZDX may be costing you. Ask your agent if your insurance declarations sheet is rated on the right rating data.
  • Choose high safety ratings and save – Cars with five star safety ratings can get you lower premiums. Safe vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and lower rates for you. If the Acura ZDX scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Your occupation is a factor – Do you work in a high-stress field? Occupations such as military generals, executives and emergency personnel are shown to have the highest rates because of high stress levels and long work days. Other careers like farmers, engineers and the unemployed receive lower rates for ZDX coverage.
  • Stay claim-free and save money – If you are the type of insured that files lots of claims you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance companies generally give the lowest premiums to policyholders who are claim-free. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Marriage is a factor – Having a spouse actually saves money when buying insurance. Having a significant other may mean you are more mature it has been statistically shown that married drivers tend to file fewer claims.
  • Big cities have higher rates – Living in less populated areas has definite advantages if you are looking for the lowest rates. Drivers in populated areas have to deal with more auto accidents and more time behind the wheel. Fewer people means reduced accidents in addition to lower liability claims

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Cheaper car insurance rates with discounts

Some companies do not advertise every policy discount very clearly, so the next list breaks down both the well known and the more hidden ways to save on car insurance. If you aren’t receiving every discount possible, you may be paying too high a price.

  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course if it’s offered in school.
  • Federal Employees – Simply working for the federal government could provide a small rate reduction for ZDX coverage depending on your company.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase some life insurance in addition to your auto policy.
  • Seat Belt Discounts – Requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings of 20% or more.
  • New Vehicle Savings – Insuring a new car is cheaper because newer models are generally safer.
  • Save with More Vehicles Insured – Buying a policy with more than one vehicle with one company qualifies for this discount.

Just know that most credits do not apply to the overall cost of the policy. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Large car insurance companies and some of the premium reductions they offer are included below.

  • Progressive offers premium reductions for multi-vehicle, multi-policy, online quote discount, homeowner, good student, online signing, and continuous coverage.
  • GEICO offers discounts for air bags, driver training, anti-theft, defensive driver, and seat belt use.
  • State Farm may offer discounts for multiple policy, good student, passive restraint, good driver, student away at school, Drive Safe & Save, and driver’s education.
  • Esurance has discounts for paid-in-full, Switch & Save, safety device, Pac-12 alumni, online quote, and multi-policy.
  • The Hartford includes discounts for bundle, vehicle fuel type, anti-theft, defensive driver, driver training, and air bag.

When getting free insurance quotes, it’s a good idea to each company or agent what discounts are available to you. Some discounts might not be offered in your area. To locate insurance companies with significant discounts, follow this link.

Tailor your insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique.

For example, these questions could help you determine whether or not you may require specific advice.

  • Should I have a commercial auto policy?
  • What is high-risk coverage and where do I buy it?
  • What exactly is covered by my policy?
  • Does my car insurance cover rental cars?
  • Am I insured when driving a different vehicle?
  • Which companies will insure high-risk drivers?
  • Can my babysitter drive my car?
  • Does coverage extend to Mexico or Canada?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my personal policy cover me when driving out-of-state?

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 insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Insurance coverage breakdown

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, hitting a deer, hitting a bird, a broken windshield and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability coverage

Liability insurance can cover injuries or damage you cause to other’s property or people. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like attorney fees, funeral expenses, loss of income, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like sideswiping another vehicle, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses such as EMT expenses, chiropractic care, hospital visits, rehabilitation expenses and nursing services. They are utilized in addition to your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

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Do the work, save more money

You just read a lot of tips how to compare 2010 Acura ZDX insurance premium rates online. The key thing to remember is the more times you quote, the better your comparison will be. Drivers may discover the best premium rates are with a lesser-known regional company.

Insureds switch companies for many reasons like high rates after DUI convictions, delays in paying claims, not issuing a premium refund and even being labeled a high risk driver. It doesn’t matter what your reason, switching auto insurance companies is actually quite simple.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced uninsured motorist or liability limits and learned later that the savings was not a smart move. Your goal is to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

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