2012 Acura ZDX Car Insurance Quotes

Buying low-cost insurance over the internet is intimidating for consumers not familiar with price shopping online. With dozens of companies competing online, how can drivers have a chance to compare the different rates to find the lowest price?

The method we recommend to compare insurance rates from multiple companies is to realize most insurance companies pay for the opportunity to give you rate quotes. All you need to do is provide the companies a bit of rating information like if a SR-22 is required, whether you have decent credit, how much coverage you want, and if you have a valid license. That information gets sent immediately to multiple car insurance providers and you get price estimates almost instantly.

How to reduce 2012 Acura ZDX insurance rates

Insuring your fleet can be pricey, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically at quote time, but a few must be asked about prior to getting the savings.

  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because of the fact that having a home shows financial diligence.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. This discount can apply up to age 25.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Multi-policy Discount – If you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • Distant Student – Children living away from home attending college without a vehicle on campus may be able to be covered for less.
  • One Accident Forgiven – Certain companies will forgive one accident before raising your premiums as long as you don’t have any claims prior to the accident.

Consumers should know that some credits don’t apply to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free insurance policy, insurance companies aren’t that generous. But any discount will bring down the amount you have to pay.

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

It’s a good idea to ask every prospective company which discounts you may be entitled to. Savings may not be available in your area.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine if you might need an agent’s assistance.

  • Am I covered by my spouse’s policy after a separation?
  • Do I need special endorsements for business use of my vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered if I wreck a rental car?
  • Why am I required to buy liability insurance?
  • Can my teen drive my company car?
  • Is my custom paint covered by insurance?
  • Do all my vehicles need collision coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance specifics

Learning about specific coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability coverages

This protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as court costs, medical services and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for chiropractic care, hospital visits and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Acura ZDX.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.

Collision insurance

Collision insurance pays for damage to your ZDX resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, sideswiping another vehicle and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, hail damage and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.