2013 Acura ZDX Insurance Quotes – 8 Tricks for Best Rates

Trying to find lower auto insurance rates for your Acura ZDX? Searching for low-cost insurance for an Acura ZDX can be an all-consuming task, but you can use our auto insurance buying tips to find lower rates. There is a better way to compare auto insurance rates so we’re going to tell you the best way to compare rates for your Acura and get the lowest possible price from local insurance agents and online providers.

It’s smart to shop coverage around before your policy renews due to the fact that insurance rates change regularly. Even if you think you had the best deal for ZDX coverage a year ago there is a good chance you can find better rates now. So just forget all the misinformation about auto insurance because it’s time to teach you the proper way to save on auto insurance.

Quick Insurance Quotes

Finding cheaper 2013 Acura ZDX insurance prices can be quick and easy. You just have to take time comparing price quotes online with multiple companies. This can be done in several different ways.

The single most time-saving way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This method keeps you from doing a different quote for each company you want a rate for. One simple form will get you rate comparisons from insurance companies with the best prices. It’s definitely the quickest method.

A more time consuming way to analyze rates is going to each company’s website and fill out their own quote form. For sake of this example, we’ll pretend you want rates from Nationwide, 21st Century and Farmers. To get each rate you have to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

Whichever way you use, double check that you are using exactly the same coverage limits for every company. If you have different values for each quote it will be impossible to determine the lowest rate for your Acura ZDX.

Tailor your coverage to you

When choosing the right insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if your situation might need professional guidance.

  • What can I do if my company denied a claim?
  • How high should my medical payments coverage be?
  • Does insurance cover damages from a DUI accident?
  • I have a DUI can I still get coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What are the financial responsibility laws in my state?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Educate yourself about auto insurance coverages

Knowing the specifics of your auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as vandalism, rock chips in glass and falling objects. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like funeral costs, rehabilitation expenses and X-ray expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Liability auto insurance

Liability coverage will cover injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as pain and suffering, bail bonds, court costs and loss of income. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Auto collision coverage

This coverage will pay to fix damage to your ZDX resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, sideswiping another vehicle, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Acura ZDX.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.