2012 Acura ZDX Insurance Cost – 6 Tips to Save

Having to pay for overpriced car insurance can overdraw your checking account and put the squeeze on your family’s finances. Shopping your coverage around is a great way to cut your insurance bill. Numerous auto insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates and get the definite best price available.

Smart consumers take time to shop coverage around before your policy renews due to the fact that insurance rates are usually higher with each renewal. Even if you think you had the best rates on ZDX coverage a few years ago the chances are good that you can find a lower rate today. So ignore everything you know about car insurance because it’s time to teach you the quickest way to save on car insurance.

The best way to compare insurance rates in your area takes advantage of the fact all the major auto insurance companies participate in online systems to provide you with a free rate quote. The only thing you need to do is spend a couple of minutes providing details including deductibles desired, your education level, if the vehicle is leased, and marital status. Those rating factors is instantly provided to multiple auto insurance providers and you should receive rate quotes within a short period of time.

Lower rates by qualifying for these six discounts

Companies do not advertise every discount in a way that’s easy to find, so we break down some of the best known and the harder-to-find insurance coverage savings. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Accident Waiver – A few companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Sign Online – Some insurance companies will give a small break for buying your policy online.

Consumers should know that some of the credits will not apply the the whole policy. A few only apply to individual premiums such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way.

A partial list of companies that possibly offer these discounts include:

Double check with every prospective company how you can save money. Some discounts might not be offered in your area.

Car insurance is unique, just like you

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.

  • What companies insure drivers after a DUI or DWI?
  • Should I rate my 2012 Acura ZDX as pleasure use or commute?
  • How high should my medical payments coverage be?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is the rate difference between pleasure use and commuting?
  • Does my 2012 Acura ZDX need full coverage?
  • Is my teen driver covered when they drive my company car?
  • Does insurance cover damages from a DUI accident?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Slick advertising tricks that work

Drivers can’t ignore all the ads for car insurance savings by companies like GEICO, State Farm and Progressive. They all seem to make the same claim that you’ll save big if you move to them.

How can each company say the same thing?

All companies have a certain “appetite” for the driver that earns them a profit. For example, a driver they prefer could possibly be between 25 and 40, owns a home, and has excellent credit. A customer getting a price quote who meets those qualifications gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t measure up to the “perfect” profile will have to pay a higher premium and ends up with the driver buying from a lower-cost company. The ads state “customers that switch” not “everybody who quotes” save money. That is how companies can advertise the savings. Because of the profiling, you absolutely need to get quotes from several different companies. You cannot predict which company will give you the biggest savings on Acura ZDX insurance.

Car insurance coverage options for an Acura ZDX

Understanding the coverages of your car insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on most car insurance policies.

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as attorney fees, medical services, legal defense fees, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2012 Acura ZDX.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, hitting a deer, rock chips in glass, a broken windshield and vandalism. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses for things like funeral costs, nursing services and ambulance fees. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance will pay to fix damage to your ZDX resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like sideswiping another vehicle, crashing into a ditch, backing into a parked car, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

One last thing about your coverage

Cheap 2012 Acura ZDX insurance can be sourced online as well as from independent agentsinsurance , and you should compare price quotes from both in order to have the best chance of saving money. A few companies don’t offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

When shopping online for auto insurance, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, an insured dropped liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at the best price.

More detailed auto insurance information can be found in the articles below: