Save Money on Acura ZDX Insurance in Oakland

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Insurance for Acura ZDXThe recommended way to save on auto insurance rates is to compare prices regularly from insurance carriers in Oakland.

First, try to learn a little about what coverages are included in your policy and the things you can change to keep rates down. Many policy risk factors that cause rate increases like traffic citations, accidents, and a negative credit history can be amended by improving your driving habits or financial responsibility. Later in this article we will cover more information to find cheap prices and find missing discounts.

Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO and State Farm, while independent agencies can give you price quotes for a wide range of insurance providers.

Third, compare the quotes to the price on your current policy to see if you can save by switching companies. If you can save money, ensure coverage does not lapse between policies.

One key aspect of rate comparisons is to compare the same deductibles and limits on every price quote and and to get quotes from every company you can. This provides an accurate price comparison and the best price selection.

We don't have to point out that fact that car insurance companies want to keep your business as long as possible. Insureds who shop for lower prices are likely to switch companies because there is a significant possibility of finding a lower-priced policy. A recent survey found that people who routinely shopped for cheaper coverage saved on average $3,400 over four years compared to people who don't regularly compare prices.

If finding discount rates on car insurance in Oakland is your ultimate objective, understanding how to get free comparison quotes and analyze car insurance can make it simple to find affordable coverage.

If you have coverage now or want to find a cheaper company, take advantage of these tips to lower your rates and still get good coverage. Our objective is to instruct you on how to get online quotes and how to save the most money. You just have to use the proper methods to get comparison rates online from multiple companies.

The companies shown below have been selected to offer free rate quotes in Oakland, CA. To find cheap auto insurance in California, we recommend you click on several of them to get the most affordable price.

Insurance rate breakdown

The table shown next highlights detailed analysis of insurance policy prices for Acura ZDX models. Having a better understanding of how insurance policy premiums are calculated can be of help when making informed decisions when shopping around for a new policy.

Acura ZDX Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $438 $630 $578 $34 $174 $1,854 $155
ZDX AWD $438 $630 $578 $34 $174 $1,854 $155
ZDX Advance Package AWD $438 $712 $578 $34 $174 $1,936 $161
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Information does not factor in specific location which can raise or lower price quotes considerably.

Policy deductible comparison

When buying insurance, a common question is the level to set your comp and collision deductibles. The figures shown below may help to illustrate the differences in price between high and low comp and collision deductibles. The first rate quote example uses a $100 physical damage deductible and the second price grid uses a $500 deductible.

Acura ZDX insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $528 $932 $442 $26 $132 $2,085 $174
ZDX AWD $528 $932 $442 $26 $132 $2,085 $174
ZDX Advance Package AWD $528 $1054 $442 $26 $132 $2,207 $184
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Acura ZDX insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $384 $630 $442 $26 $132 $1,614 $135
ZDX AWD $384 $630 $442 $26 $132 $1,614 $135
ZDX Advance Package AWD $384 $712 $442 $26 $132 $1,696 $141
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in specific location information which can change coverage prices substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $40 more each month or $480 for a full year than choosing the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go at least 10 months between claims, you would probably come out ahead if you elect the higher deductible.

How to calculate deductible break even point

Average monthly premium for $100 deductibles: $177
Average monthly premium for $500 deductibles (subtract): - $137
Monthly savings from raising deductible: $40
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $40
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 10 months

The chart below illustrates how your choice of deductibles and can raise or lower Acura ZDX insurance premiums for different categories of driver ages. Data assumes a married female driver, full coverage, and no other discounts are factored in.

Drive safe and save

The illustration below demonstrates how traffic citations and at-fault collisions can impact Acura ZDX insurance rates for each different age group. The data assumes a married female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

Gender-based insurance premiums

The information below illustrates the comparison of Acura ZDX auto insurance rates for male and female drivers. The premium estimates are based on no claims, a clean driving record, full physical damage coverage, $250 deductibles, drivers are single, and no other discounts are factored in.

Full coverage or liability only

The example below visualizes the comparison of Acura ZDX auto insurance rates with full physical damage coverage compared to only buying liability only. The premiums are based on no tickets, no at-fault accidents, $500 deductibles, single marital status, and no discounts are applied to the premium.

Guidelines for dropping full coverage

There is no clear-cut rule for dropping full coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let's pretend your Acura ZDX replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying your deductible. If you are paying more than $500 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some conditions where only buying liability is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.

Insurance is an important decision

Despite the high cost of buying insurance for a Acura ZDX in Oakland, insurance serves several important purposes.

  • Almost all states have compulsory liability insurance requirements which means state laws require a specific level of liability if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you have a lien on your Acura ZDX, almost all lenders will make it a condition of the loan that you have full coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Acura at a much higher rate and force you to pay the higher price.
  • Insurance protects your vehicle and your assets. It will also provide coverage for medical transport and hospital expenses that are the result of an accident. Liability coverage also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If your Acura gets damaged, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of carrying adequate insurance are definitely more than the cost, particularly for liability claims. Today the average American driver overpays more than $825 a year so compare rates at every policy renewal to ensure rates are competitive.

Don't overlook these eight Acura ZDX insurance discounts

Not too many consumers would say insurance is affordable, but there could be available discounts that can dramatically reduce your bill. Certain credits will be shown when you purchase, but some discounts are required to be manually applied before being credited.Save money with discounts

  • New Vehicle Savings - Insuring a vehicle that is new can save you some money since new vehicles are generally safer.
  • Passive Restraints - Vehicles equipped with air bags or automatic seat belts could see savings as much as 30%.
  • Oakland Homeowners Pay Less - Just being a homeowner can save you money because it requires a higher level of personal finance.
  • Military Deployment Discount - Being on active deployment in the military could trigger a small discount.
  • Low Mileage Discounts - Driving fewer miles may enable drivers to earn lower prices due to less chance of an accident.
  • Professional Organizations - Being in a professional or civic organization is a simple method to lower premiums when shopping for insurance.
  • Early Signing - A few companies offer discounts for switching policies before your current coverage expires. This discount can save up to 10%.
  • Paperwork-free - Many companies give back up to $50 just for signing your application on your computer.

You should keep in mind that most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, companies wouldn't make money that way. Any amount of discount will positively reduce the cost of your policy.

The example below illustrates the comparison of Acura ZDX car insurance rates with and without discounts applied to the premium. Data assumes a female driver, no accidents, no driving violations, California 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 multi-policy, safe-driver, multi-car, homeowner, marriage, and claim-free discounts applied.

A list of insurance companies and their possible discounts can be found below.

  • State Farm may offer discounts for multiple policy, multiple autos, accident-free, student away at school, good driver, good student, and safe vehicle.
  • Progressive offers premium reductions for good student, online signing, multi-vehicle, online quote discount, and homeowner.
  • Travelers policyholders can earn discounts including continuous insurance, multi-car, hybrid/electric vehicle, multi-policy, home ownership, early quote, and payment discounts.
  • American Family includes discounts for good driver, mySafetyValet, Steer into Savings, defensive driver, accident-free, multi-vehicle, and bundled insurance.
  • Liberty Mutual discounts include hybrid vehicle, newly retired, new vehicle discount, multi-car, good student, and safety features.

When quoting, ask all the companies to apply every possible discount. Some discounts might not be available to policyholders in your area.

Local agents and auto insurance

Some people still like to buy from a licensed agent and we recommend doing that Good agents can help you build your policy and give you someone to call. The biggest benefit of getting online price quotes is that you can obtain cheap auto insurance quotes and still have a local agent. And buying from neighborhood agents is definitely important in Oakland.

Oakland insurance agentsAfter filling out this short form, the quote information is sent to insurance agents in Oakland who want to provide quotes for your coverage. There is no need to search for any insurance agencies due to the fact that quote results will go to your email. In the event you want to get a comparison quote from a particular provider, don't hesitate to find their quoting web page and fill out the quote form the provide.

Finding the right insurer should include more criteria than just the bottom line cost. Any agent in Oakland should have no problem answering these questions:

  • Will high miles depreciate repair valuations?
  • Is the agency covered by Errors and Omissions coverage?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Are aftermarket or OEM parts used to repair vehicles?
  • How much training do they have in personal risk management?
  • What discounts might you be missing?
  • What is the financial rating for the quoted company?

Auto insurance 101

Understanding the coverages of a insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP reimburse you for bills such as dental work, ambulance fees, X-ray expenses, chiropractic care and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage - Collision coverage pays for damage to your ZDX from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, sustaining damage from a pot hole, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible on your ZDX to save money on collision insurance.

Comprehensive auto coverage - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, a broken windshield and damage from a tornado or hurricane. The maximum amount your insurance company will pay 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.

Liability - Liability coverage will cover damage or injury you incur to other people or property. It protects you against other people's claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 15/30/5 which means $15,000 in coverage for each person's injuries, a per accident bodily injury limit of $30,000, and a total limit of $5,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as funeral expenses, court costs, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford. California state minimum liability requirements are 15/30/5 but you should think about purchasing better liability coverage.

The next chart demonstrates why low liability limits may not be enough coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage - Your UM/UIM coverage provides protection when the "other guys" either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Acura ZDX.

Since a lot of drivers carry very low liability coverage limits (California limits are 15/30/5), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently these coverages are identical to your policy's liability coverage.

Persistence is the key to affordable rates

We just showed you a lot of tips how to get a better price on Acura ZDX insurance in Oakland. The most important thing to understand is the more companies you get car insurance rates for, the higher the chance of saving money. Drivers may even discover the best price on insurance is with a small mutual company.

Some insurance providers may not offer the ability to get a quote online and these regional insurance providers only sell through independent insurance agents. Low-cost Acura ZDX insurance in Oakland is attainable both online and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money.

Insureds switch companies for any number of reasons including not issuing a premium refund, delays in paying claims, high rates after DUI convictions or an unsatisfactory settlement offer. It doesn't matter why you want to switch finding a new insurance company is not as difficult as it may seem.

Much more information about insurance in California can be found on the following sites: