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: Oct 5, 2015

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Want lower insurance rates for your Acura ZDX? Trying to find low-cost insurance for an Acura ZDX can normally be difficult, but you can learn the following methods to make it easier. There are more efficient ways to compare insurance rates and you need to know the proper way to compare rates on a Acura and get the lowest price from both online companies and local agents.

Finding affordable coverage is easy if you know what you’re doing. If you have a policy now or need a new policy, you can use these tips to get lower rates and possibly find even better coverage. Consumers only need an understanding of the proper methods to find the lowest price on the web.

Get lower-cost insurance costs by understanding these factors

When buying car insurance it’s important to understand some of the elements that go into determining car insurance rates. When you understand what controls the rates you pay, this enables you to make decisions that can help you get lower rates. Lots of things are part of the equation when premium rates are determined. Some are obvious like an MVR report, but others are less obvious such as whether you are married or how safe your car is.

The itemized list below are just a few of the factors utilized by car insurance companies to help set your rate level.

  • Big cities mean more claims – Choosing to live in a small town is a good thing if you are looking for the lowest rates. Drivers in populated areas have more traffic problems and higher rates of accident claims. Fewer drivers on the road means a lower chance of having an accident and a lower car theft rate.
  • Frequent policy claims will cost you – If you’re an insured who likes to file claims you shouldn’t be surprised to get higher rates. Insurance companies generally give the lowest premiums to policyholders who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for more catestrophic claims.
  • Teenage drivers pay more – Beginning drivers have been known to be inattentive and easily distracted in a vehicle so car insurance rates are higher. Adding a teenage driver to your car insurance policy can be quite pricey. Older people tend to be more responsible, tend to cause fewer accidents , and usually have better credit.
  • Married people drive safer – Having a wife or husband may save some money on your policy. Having a spouse generally demonstrates drivers are more financially stable and insurance companies like that drivers who are married file infrequent claims.
  • Deter theft and pay less – Selecting a car model that has an advanced theft prevention system can save you some money. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop car theft and help bring rates down.
  • Use credit responsibly and save – A driver’s credit rating can be an important factor in calculating your premium rate. If your credit history is not that good, you could pay less to insure your 2012 Acura ZDX by spending a little time repairing your credit. People with excellent credit tend to be better risks to insure than drivers who have bad credit.
  • Liability protection is important – Your policy’s liability coverage is the protection if ever a jury decides you are liable for causing personal injury or damage in an accident. It will provide for a legal defense which can be incredibly expensive. This coverage is very inexpensive compared to comp and collision, so drivers should carry high limits.
  • Low stress vocation equals lower rates – Occupational choices like doctors, architects and accountants generally pay higher premiums than the average policyholder attributed to intense work situations and lots of time spent away from family. Conversely, occupations like actors, athletes and performers pay lower than average rates on ZDX coverage.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Lower rates by qualifying for discounts

Some companies don’t list every discount in an easy-to-find place, so below is a list some of the best known and also the more inconspicuous discounts that you can inquire about if you buy insurance coverage online.

  • College Student – Older children who live away from home at college and do not take a car to college could get you a discount.
  • Multiple Cars – Purchasing coverage when you have more than one vehicle on one policy qualifies for this discount.
  • Telematics Data Discounts – Insureds that choose to allow their insurance company to scrutinize vehicle usage remotely like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they exhibit good driving behavior.
  • Drive Safe and Save – Safe drivers may save up to 50% more on ZDX coverage as compared to drivers with claims.
  • Homeowners Pay Less – Owning a house may trigger a policy discount on insurance due to the fact that maintaining a home requires personal responsibility.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can receive discounts as much as 30%.
  • Good Grades Discount – Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.

It’s important to note that most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that you can get free auto insurance, you won’t be that lucky.

A few popular companies and the discounts they provide are included below.

  • Progressive has discounts for continuous coverage, online quote discount, good student, multi-vehicle, homeowner, online signing, and multi-policy.
  • SAFECO offers discounts for drive less, teen safety rewards, anti-theft, anti-lock brakes, and bundle discounts.
  • American Family includes discounts for bundled insurance, TimeAway discount, accident-free, early bird, good student, defensive driver, and air bags.
  • MetLife policyholders can earn discounts including multi-policy, defensive driver, good driver, accident-free, and good student.
  • GEICO may have discounts that include membership and employees, daytime running lights, five-year accident-free, air bags, and multi-vehicle.
  • The Hartford may include discounts for driver training, bundle, anti-theft, good student, air bag, and defensive driver.

If you need low cost insurance coverage quotes, ask each company to apply every possible discount. Some discounts listed above may not apply to policies in your area.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t escape the ads for car insurance savings from the likes of State Farm, GEICO and Progressive. All the companies say the same thing that drivers can save some big amount if you switch your policy.

How does every car insurance company give you a better price? It’s all in the words they use.

Insurance companies give the best rates for the type of insured that will not have excessive claims. One example of a profitable risk profile might have to be a mature driver, has no claims, and insures a new vehicle. A customer getting a price quote that fits those parameters will qualify for the lowest auto insurance rates and will save some money.

People who don’t qualify for those standards may be required to pay a more expensive rate and this can result in the driver buying from a lower-cost company. The wording the ads use say “customers who switch” but not “everyone who gets a quote” will save that much if they switch. That is how companies can claim big savings. Because of this risk profiling, you absolutely need to get as many free insurance coverage quotes as possible. It’s not possible to predict which car insurance company will have the lowest rate quotes.

Car insurance is unique, just like you

When choosing the best car insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether you might need professional guidance.

  • Does liability extend to a camper or trailer?
  • How can I get high-risk coverage after a DUI?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Does insurance cover damages from a DUI accident?
  • Do I have coverage for damage caused while driving under the influence?
  • Can my teen drive my company car?
  • Are my friends covered when driving my car?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Coverages available on your policy

Learning about specific coverages of car insurance can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Acura ZDX.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as driving through your garage door, sustaining damage from a pot hole, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for nursing services, funeral costs and chiropractic care. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability car insurance

Liability insurance will cover damage or injury you incur to other people or property. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as structural damage, legal defense fees and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, rock chips in glass, fire damage, a broken windshield and hitting a bird. The most a car insurance company will pay at claim time 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.

Be Smart and Buy Smart

Some insurance companies may not provide online rate quotes and many times these smaller providers sell through independent agents. Lower-priced insurance can be bought both online in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection.

We’ve covered a lot of ways to compare 2012 Acura ZDX insurance premium rates online. The key concept to understand is the more companies you get prices for, the more likely it is that you will get a better rate. You may even find the lowest priced insurance comes from some of the smallest insurance companies.

When searching for cheaper insurance coverage quotes, do not buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to buy the best coverage you can find at a price you can afford, but do not skimp to save money.

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