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: Jun 27, 2018

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Want cheaper insurance coverage rates for your Acura ZDX? If online insurance coverage comparisons are new to you, you may be overwhelmed by the confusing number of online companies offering insurance.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these techniques. Shopping for the lowest cost insurance coverage coverage is easy if you know what you’re doing. But consumers must understand the way companies market on the web and use this information to your advantage.

More affordable rates with these auto insurance discounts

Car insurance companies don’t always publicize every disount available very well, so the next list breaks down both the well known as well as the least known credits available to lower your premiums when you buy car insurance online.

  • Good Grades Discount – This discount may save as much as 25% on a car insurance quote. Many companies even apply the discount to college students up to age 25.
  • ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can avoid accidents and qualify for as much as a 10% discount.
  • Student in College – Kids who live away from home to go to college without a vehicle on campus may be insured at a cheaper rate.
  • Discount for Passive Restraints – Cars that have air bags can get savings of 20 to 30 percent.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school.
  • Accident Forgiveness – This isn’t a discount exactly, but some insurance companies will turn a blind eye to one accident without the usual rate increase so long as you are claim-free for a specific time period.
  • Accident Free – Insureds with no claims or accidents pay much less when compared to frequent claim filers.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. So when it seems like you could get a free auto insurance policy, you’re out of luck.

If you would like to choose from a list of providers with discount auto insurance rates, click this link.

The most recommended method to compare car insurance rates is to know almost all companies have advanced systems to compare rate quotes. The only thing you need to do is take a few minutes to give details such as if you have a valid license, driver details, your job, and coverage limits. Your information gets sent immediately to many different companies and you will get price comparisons instantly.

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

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How your ZDX insurance costs are determined

Many things are used when quoting car insurance. A few of the factors are predictable such as traffic violations, but others are more transparent such as whether you are married or how financially stable you are.

The list below includes some of the major factors used by companies to determine your rates.

  • Don’t skimp on liability insurance – Your auto insurance policy’s liability coverage kicks in if ever you are found to be at fault for physical damage or personal injury to other. Your policy’s liability insurance provides you with a defense in court which can be incredibly expensive. It is affordable coverage compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Never have policy lapses – Driving without insurance coverage in place is a misdemeanor and you may have a hard time finding new coverage because you let your coverage lapse. And not only will insurance be more expensive, getting caught without coverage may result in a revoked license or a big fine.
  • Auto insurance rates and age – Drivers with little experience are known to be less responsible in a vehicle and because of this, their auto insurance rates are much higher. Having to add a young driver onto your auto insurance can be quite pricey. More experienced drivers have been proven to be more responsible, tend to cause fewer accidents .
  • Add-on coverages that aren’t used – There are a lot of additional coverages that can waste your money but may not be useful. Coverages for roadside assistance, accident forgiveness, and extra equipment coverage are examples of these. These may sound like a good investment when talking to your agent, but if you have no use for them get rid of them and save.
  • Safety first – Cars with high safety ratings cost less to insure. Safer cars protect occupants better and reduced instances of injuries translates into fewer and smaller insurance claims which can mean better rates for you.

Car insurance can get complicated

When buying the best car insurance coverage, there is no “best” method to buy coverage. Each situation is unique.

For instance, these questions may help highlight whether your personal situation may require specific advice.

  • Is my cargo covered for damage or theft?
  • Am I getting all the discounts available?
  • Will filing a claim cost me more?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered when driving in Canada or Mexico?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need more liability coverage?
  • What can I do if my company denied a claim?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form.

The coverage is in the details

Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for collisions

This coverage covers damage to your ZDX resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a parking meter, damaging your car on a curb, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Liability coverages

This can cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like loss of income, legal defense fees, attorney fees, funeral expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, fire damage, hail damage and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses for funeral costs, chiropractic care, pain medications, X-ray expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP 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. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

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

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Online plus local equals savings

Affordable 2013 Acura ZDX insurance can be found both online in addition to local insurance agencies, so you need to shop car insurance with both to have the best selection. There are still a few companies who don’t offer internet price quotes and many times these regional insurance providers prefer to sell through independent insurance agents.

Drivers switch companies for many reasons like extreme rates for teen drivers, an unsatisfactory settlement offer, high rates after DUI convictions and even delays in responding to claim requests. It doesn’t matter what your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. There have been many situations where drivers have reduced collision coverage only to regret that the savings was not a smart move. Your goal is to buy enough coverage at an affordable rate while still protecting your assets.

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