Want to save money and find the cheapest Acura ZDX insurance in Memphis? Trying to find low-cost insurance for a new or used Acura ZDX in Tennessee could be an all-consuming task, but you can follow our auto insurance buying tips and make it easy. There is a right way and a wrong way to shop for auto insurance and you need to know the proper way to compare rates for your Acura and locate the cheapest rates.
It’s a good idea to quote other rates periodically since prices change regularly. Just because you found the best deal on Acura ZDX insurance in Memphis last year the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because you’re about to learn the only way to find the best coverage while lowering your premiums.
If you are already insured or need new coverage, you will benefit by learning to get lower rates while maintaining coverages. Getting quotes for cheaper auto insurance policy in Memphis is not that difficult. Consumers just have to learn the quickest method to compare prices from many different companies.
Learn How to Find Auto Insurance Cheaper
Many different elements are considered when you get a price on insurance. Some are obvious such as your driving history, although some other factors are not as apparent such as your credit history or your commute time. The best way to find cheaper auto insurance is to take a look at some of the elements that aid in calculating your policy premiums. If you understand what determines base rates, this enables you to make decisions that could result in lower premium levels.
Don’t skimp on liability insurance – The liability section of your policy will provide protection in the event that you are determined to be liable for physical damage or personal injury to other. It provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
Put fewer miles on your vehicle – The more you drive your Acura annually the higher your rates will be. Almost all companies charge to insure your cars determined by how the vehicle is used. Vehicles not used for work or commuting cost less to insure than vehicles that have high annual mileage. Incorrect rating for your ZDX can cost quite a bit. Ask your agent if your policy shows the right rating data.
Better drivers pay lower costs – Having a clean driving record impacts your car insurance rates tremendously. Even one speeding ticket or other violation can increase the cost of insurance by as much as twenty percent. Drivers who don’t get tickets get better prices than people who have multiple driving citations. Drivers with flagrant violations like reckless driving or DUI may need to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
The information below highlights how speeding tickets and fender-benders can influence Acura ZDX car insurance costs for different insured age categories. The premiums assume a single male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
Impacts performance impacts auto insurance costs – The performance of the vehicle you need to insure makes a substantial difference in your rates. The lowest base rates will normally be found when insuring smaller low performance passenger cars, but there are many factors that impact the final cost.
The following chart is based on a married female driver age 50, full coverage with $100 deductibles, and no discounts or violations. It compares Acura ZDX insurance premiums compared to other models that have different risk factors.
Safer vehicles are cheaper to insure – Vehicles with good safety scores cost less to insure. Safer cars help reduce the chance of injuries in an accident and fewer serious injuries means less claims paid and more competitive rates for policyholders.
Car insurance data for an Acura ZDX
The coverage table shown below showcases detailed analysis of insurance prices for Acura ZDX models. Being aware of how auto insurance premiums are figured can help you make smart choices when selecting a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|ZDX Technology Package AWD||$244||$404||$294||$18||$88||$1,048||$87|
|ZDX Advance Package AWD||$244||$456||$294||$18||$88||$1,100||$92|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price information does not factor in your specific Memphis location which can affect coverage prices significantly.
Annual premiums comparing men and women
The diagram below illustrates the comparison of Acura ZDX yearly insurance costs for male and female drivers. The information is based on no violations or claims, full physical damage coverage, $500 deductibles, marital status is single, and no policy discounts are applied.
Do you qualify for discounts on Acura ZDX insurance in Memphis?
Car insurance is not cheap, but you may qualify for discounts to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but occasionally some discounts must be requested specifically prior to receiving the credit.
- ABS and Traction Control Discounts – Vehicles with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
- Telematics Devices – Drivers who elect to allow their insurance company to analyze their driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as they are good drivers.
- Save with a New Car – Insuring a vehicle that is new can be considerably cheaper compared to insuring an older model.
- Waiver for an Accident – This isn’t a discount exactly, but a few companies such as Allstate and GEICO allow you one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
- Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying in monthly installments you may reduce your total bill.
- Discounts for Cautious Drivers – Safe drivers could pay up to 40% less compared to accident prone drivers.
- Federal Employees – Simply working for the federal government can save as much as 8% with select insurance companies.
- Good Student – Performing well in school may save as much as 25% on a Memphis car insurance quote. The discount lasts up until you turn 25.
- Multiple Policy Discount – If you combine your home and auto policies with one insurance company you may save over 10 percent off each policy depending on the company.
- Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will qualify for a discount on a Memphis car insurance quote.
Consumers should know that many deductions do not apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, that’s just not realistic.
The chart below visualizes the comparison of Acura ZDX insurance premiums with and without discounts applied to the policy rates. The information is based on a male driver, a clean driving record, no at-fault accidents, Tennessee state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, marriage, safe-driver, and multi-car discounts applied.
A few companies that have these discounts may include but are not limited to:
When quoting, ask each company to give you their best rates. Some of the earlier mentioned discounts might not be offered on policies in Memphis. If you would like to see a list of providers with the best Acura ZDX insurance discounts in Tennessee, click here.
Lower rates by being persistent
Lower-priced Acura ZDX insurance in Memphis can be found on the web as well as from independent agents in Memphis, so you need to quote Memphis car insurance with both in order to have the best chance of saving money. Some insurance companies may not provide price quotes online and usually these small insurance companies provide coverage only through independent agents.
When buying insurance coverage, never reduce needed coverages to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.
Insureds who switch companies do it for a variety of reasons including being labeled a high risk driver, lack of trust in their agent, questionable increases in premium and unfair underwriting practices. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.
Steps to saving on Acura ZDX insurance in Memphis
If saving the most money is your goal, then the best way to get affordable Acura ZDX insurance is to compare prices at least once a year from insurers in Memphis. You can compare rates by following these guidelines.
- Try to understand individual coverages and the factors you can control to keep rates low. Many factors that drive up the price such as traffic violations and an imperfect credit history can be rectified by being financially responsible and driving safely.
- Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO or Farmers Insurance, while agents who are independent can provide prices from multiple insurance companies.
- Compare the price quotes to your current policy premium to see if cheaper ZDX coverage is available in Memphis. If you find a better price and buy the policy, ensure there is no coverage lapse between policies.
- Tell your current agent or company to cancel your current auto insurance policy. Submit the application along with any required down payment for your new coverage. Make sure you place the new proof of insurance certificate in a readily accessible location in your vehicle.
A good piece of advice is to make sure you enter identical limits and deductibles on every quote request and and to get rates from as many carriers as you can. This enables a fair rate comparison and a better comparison of the market.
Additional learning opportunities
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance Rates for Good Drivers in Memphis? (FAQ)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- A Tree Fell on Your Car: Now What? (Allstate)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)