Compare 2011 Acura ZDX Insurance Rates

Searching for cheaper insurance rates for your Acura ZDX? Car owners that are new to comparison shopping online are likely to discover purchasing cheap auto insurance is harder than it should be.

Insurance discounts are available to slash your rates

Some insurance providers don’t list every disount available in an easy-to-find place, so below is a list some of the more common and the more hidden credits available to bring down your rates. If you do not check that you are getting every discount you deserve, you are just wasting money.

  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 20 to 30 percent.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you a break if you buy a life insurance policy as well.
  • Employee of Federal Government – Being employed by or retired from a federal job could provide a small rate reduction on ZDX insurance but check with your company.
  • Switch and Save Discount – Some larger companies give discounts for signing up before your current coverage expires. It’s a savings of about 10%.
  • Fewer Miles Equal More Savings – Low annual miles can qualify you for substantially lower prices.
  • Safety Course Discount – Participating in a class that teaches safe driver techniques is a good idea and can lower rates if your company offers it.
  • No Claim Discounts – Drivers with accident-free driving histories pay much less as compared to drivers who are more careless.
  • Early Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you can avoid the installment charge.
  • Distant Student Discount – Older children who are enrolled in higher education away from home and won’t have access to an insured vehicle can receive lower rates.
  • Auto/Home Discount – If you insure your home and vehicles and insure them with the same company they may give you a discount of nearly 15% which can help you find affordable auto insurance.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. So even though you would think you can get free auto insurance, you’re out of luck.

Some of the larger companies that may include most of the discounts above are:

It’s a good idea to ask each insurance company what discounts are available to you. All car insurance discounts may not be offered in your area. To locate providers that provide some of the discounts listed above, click this link.

Everyone needs different insurance coverage coverages

When it comes to choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions could help you determine whether you would benefit from an agent’s advice.

  • Do I need added coverage for expensive stereo equipment?
  • Are my tools covered if they get stolen from my vehicle?
  • What is PIP insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered if hit by an uninsured driver?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I afford to buy a different vehicle if my 2011 Acura ZDX is totaled?
  • Do I need medical payments coverage since I have good health insurance?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverages

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability insurance

This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things such as attorney fees, legal defense fees and medical services. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Coverage for collisions

This covers damage to your ZDX caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, sustaining damage from a pot hole, hitting a mailbox, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as EMT expenses, dental work and hospital visits. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured and underinsured coverage

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

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, hitting a deer, damage from getting keyed, damage from flooding and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Quote more. Save more.

Consumers switch companies for a number of reasons such as unfair underwriting practices, being labeled a high risk driver, high rates after DUI convictions or even not issuing a premium refund. It doesn’t matter what your reason, switching insurance coverage companies is pretty simple and you could end up saving a buck or two.

Throughout this article, we presented a lot of tips how to save on 2011 Acura ZDX insurance. The most important thing to understand is the more times you quote, the better chance you’ll have of finding affordable auto insurance. Consumers may even find the most savings is with a lesser-known regional company.

As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. There are too many instances where consumers will sacrifice full coverage and discovered at claim time that the savings was not a smart move. The goal is to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

More information can be found at the links below