2013 Acura ZDX Insurance Quotes in 2024 – 7 Tips for Cheapest Rates

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Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

UPDATED: Jun 2, 2024

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Searching for cheaper auto insurance rates for your Acura ZDX? I really doubt anyone anticipates paying for auto insurance, especially when they know the cost is too high. Many car insurance companies compete to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the best price available.

If you are insured now or are looking for a new policy, you can use these techniques to cut your premiums while maximizing coverage. Finding the best rates is easy if you know what you’re doing. Vehicle owners just need to understand the most efficient way to shop for insurance over the internet.

The easiest way to compare insurance rates in your area is to know the fact car insurance companies have advanced systems to give you rate quotes. All you need to do is provide the companies a bit of rating information including if you require a SR-22, level of coverage desired, what your job is, and whether you are married. That rating data is instantly submitted to many highly-rated insurers and you get price estimates quickly.

To compare rates now, click here and find out if lower rates are available.

Drivers save money with with these seven discounts

The price of auto insurance can be rather high, but there are discounts available to help offset the cost. Some discounts will apply when you quote, but a few must be requested specifically prior to getting the savings.

  • Life Insurance – If the company offers life insurance, you could get a discount if you purchase life insurance from them.
  • Buy New and Save – Adding a new car to your policy can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
  • Own a Home – Simply owning a home can get you a discount because of the fact that having a home is proof of financial responsibility.
  • Drive Safe and Save – Drivers without accidents may receive a discount up to 45% for ZDX coverage than drivers with accident claims.
  • Passive Restraints and Air Bags – Options like air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it will make them better drivers and lower rates.
  • Military Rewards – Having an actively deployed family member can result in better insurance rates.

Just know that most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think you could get a free insurance policy, you won’t be that lucky.

Large insurance companies and some of the discounts are included below.

  • State Farm may have discounts that include safe vehicle, good student, anti-theft, good driver, multiple autos, passive restraint, and Steer Clear safe driver discount.
  • GEICO offers premium reductions for anti-theft, good student, membership and employees, air bags, and multi-policy.
  • SAFECO may offer discounts for anti-lock brakes, teen safe driver, drive less, bundle discounts, anti-theft, and homeowner.
  • Farmers Insurance includes discounts for multi-car, homeowner, business and professional, distant student, early shopping, and good student.
  • AAA discounts include good driver, multi-car, anti-theft, education and occupation, and good student.
  • USAA policyholders can earn discounts including new vehicle, safe driver, annual mileage, driver training, and family discount.

Double check with every company which discounts you may be entitled to. Savings might not apply in your state.

Your situation helps dictate your coverage

When buying proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions could help you determine whether you might need an agent’s assistance.

  • How does medical payments coverage work?
  • Am I covered if my car is in a flood?
  • Can I get a multi-policy discount?
  • Can my teen driver be rated on a liability-only vehicle?
  • What can I do if my company denied a claim?
  • Is Motor Club coverage worth it?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete your zip code. It’s fast, free and you can get the answers you need.

Car insurance coverages for an Acura ZDX

Having a good grasp of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages found on most auto insurance policies.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, vandalism and hail damage. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your ZDX from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, sideswiping another vehicle, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for bills for things like doctor visits, ambulance fees, X-ray expenses and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Acura ZDX.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability auto insurance

Liability coverage provides protection from damage or injury you incur to other people or property in an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

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 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims like legal defense fees, repair bills for other people’s vehicles, medical expenses and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

You can do this!

While you’re price shopping online, it’s a bad idea to reduce needed coverages to save money. There have been many situations where someone dropped physical damage coverage only to find out that they should have had better coverage. Your focus should be to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.

Lower-priced insurance is definitely available online and with local insurance agents, so get free car insurance quotes from both of them to have the best selection. Some insurance companies may not offer internet price quotes and most of the time these small insurance companies only sell coverage through independent agencies.

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