Save Money on Acura ZDX Insurance in Dallas

Are you sick and tired of paying out the nose each month for insurance? You are in the same boat as many other Texas consumers.

It’s safe to assume that insurance companies want to keep you from comparing prices. Insureds who compare rates at least once a year will, in all likelihood, buy a different policy because there is a good probability of finding a cheaper policy. A recent survey revealed that drivers who compared prices once a year saved on average $3,450 over four years compared to policyholders who never shopped around.

If finding low prices for Acura ZDX insurance in Dallas is your ultimate objective, then understanding how to quote and compare insurance can make it easier to find better rates. Many insurance companies vie for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the cheapest price on Acura ZDX insurance in Dallas.

The easiest way to compare insurance rates from multiple companies is to know the trick most insurance companies participate in online systems to compare rate quotes. All you need to do is provide details like an estimate of your credit level, whether you are single or married, your education level, and how many miles driven. The rating information is then submitted to multiple different insurance companies and they provide comparison quotes immediately.

To start a quote now, click here and enter your coverage details.

The companies in the list below provide price comparisons in Texas. If multiple companies are shown, we recommend you click on several of them in order to find the lowest rates.

Affordable Dallas insurance rates with discounts

Car insurance companies don’t always publicize all possible discounts in an easy-to-find place, so the list below gives a summary of both the well known as well as the least known credits available to lower your premiums when you buy Dallas auto insurance online.

• Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
• Mature Driver Discount – Seniors can get better insurance rates.
• Policy Bundle Discount – When you combine your auto and home insurance with one company you could save up to 20% off your total ZDX insurance premium.
• Cautious Driver Discount – Insureds who avoid accidents can save as much as half off their rates as compared to drivers with claims.
• Multi-line Discount – Not all companies offer life insurance, but some may give you a small discount if you purchase life insurance.
• Good Student Discount – Being a good student can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.

One thing to note about discounts is that most discount credits are not given to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you could get a free insurance policy, that’s just not realistic.

The illustration below shows the difference between Acura ZDX insurance costs with and without discounts applied to the policy rates. The premiums are based on a female driver, no accidents or driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, multi-car, safe-driver, and homeowner discounts applied.

Large insurance companies and some of the premium reductions they offer include:

• Progressive offers premium reductions for homeowner, multi-vehicle, continuous coverage, good student, multi-policy, online quote discount, and online signing.
• Farmers Insurance may have discounts that include pay in full, switch companies, business and professional, mature driver, electronic funds transfer, distant student, and homeowner.
• Farm Bureau may include discounts for renewal discount, multi-policy, youthful driver, good student, multi-vehicle, and driver training.
• State Farm offers discounts including safe vehicle, Drive Safe & Save, good student, student away at school, accident-free, and good driver.
• GEICO may offer discounts for anti-lock brakes, anti-theft, multi-policy, daytime running lights, emergency military deployment, and driver training.
• SAFECO includes discounts for anti-lock brakes, homeowner, drive less, teen safety rewards, and teen safe driver.
• Liberty Mutual policyholders can earn discounts including multi-policy, new graduate, hybrid vehicle, safety features, and new vehicle discount.

When quoting, ask all companies you are considering to give you their best rates. Some credits may not be offered in your area.

Insurance coverage analysis

The rate information displayed below highlights estimates of policy rates for Acura ZDX models. Having a good grasp of how rate quotes are determined can be useful when making smart choices when comparing insurance quotes.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Table data does not factor in specific garaging location which can decrease or increase coverage prices considerably.

Policy deductible comparison

The hardest decision when buying coverage is at what level do you set your deductibles. The comparison tables below can help illustrate the differences in price when you buy lower versus higher coverage deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in garaging location in Dallas which can raise or lower prices substantially.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $37 more each month or $444 annually across all Acura ZDX models than requesting the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 20 months between claims, you would save money going with the higher deductible. Here is an example of how you can make this decision for your own policy.

One important caveat is that raising deductibles to save money means you will have to pay more of your own money when you file a claim. That will require enough disposable savings in order to pay the deductible to have repairs made.

Gender-based insurance rates by age

The example below shows the comparison of Acura ZDX insurance rates for male and female drivers. Data assumes no claims, a clean driving record, full coverage, $250 deductibles, drivers are not married, and no additional discounts are factored in.

Acura ZDX full coverage rates compared to liability only

The example below visualizes the comparison of Acura ZDX insurance premiums when comparing full coverage to liability only. The rate quotes are based on no claims or driving violations, $100 deductibles, single marital status, and no other discounts are factored in.

Should you be buying full coverage?

There is no set guideline for dropping physical damage insurance, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Acura ZDX replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after paying the physical damage deductible. If it’s costing in excess of $300 a year to have full coverage, then you may need to consider dropping full coverage.

There are some situations where only buying liability is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

Exclusive versus independent car insurance agents

Some people prefer to sit down with an agent. Professional agents can answer important questions and will help you if you have claims. The best thing about price shopping on the web is that you can obtain the lowest rates but still work with a licensed agent.

Upon completion of this simple form, your insurance data is submitted to insurance agents in Dallas who will give you bids for your car insurance coverage. You won’t need to leave your house because prices are sent to you. If you wish to compare prices for a specific company, you just need to jump over to their website to submit a rate quote request.

Picking the best insurance company needs to be determined by more than just a cheap price quote. Here are some questions you should ask.

• Are they in the agency full-time?
• By raising physical damage deductibles, how much would you save?
• Do they have a Better Business Bureau rating in Dallas?
• Are they able to provide referrals?
• If you are a high risk driver, do they have special markets for your coverage?
• What company do they have the most business with?

Exclusive or Independent: There is a difference

If you want to buy car insurance from a reliable agent, it can be helpful to understand the different agency structures and how they can service your needs differently. Dallas agents can either be exclusive agents or independent agents. Both can handle car insurance, but it’s worth mentioning how they are different because it can impact the type of agent you choose.

Exclusive Car Insurance Agents

These type of agents work for only one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to provide rate quotes from other companies so keep that in mind. They are highly trained on sales techniques which helps overcome the inability to quote other rates.

Listed below are Dallas exclusive agencies who can help you get rate quotes.

More Dallas agents

Independent Agents

Independent insurance agents are normally appointed by many insurers so they can quote policies with lots of companies and find you the best rates. If they find a cheaper price, the business is moved internally and you don’t have to find a new agent.

When comparison shopping, you will want to contact multiple independent agents to have the best price comparison.

Listed below is a list of independent agents in Dallas willing to provide rate quotes.

More Dallas agents

Why You Might Pay Higher Rates in Dallas

Multiple criteria are considered when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but other criteria are more obscure such as your marital status or your vehicle rating. The best way to find cheaper car insurance is to take a look at the rating factors that aid in calculating the level of your policy premiums. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that can earn you lower car insurance prices.

The itemized list below are some of the factors car insurance companies consider when setting rates.

Get a ticket, pay higher prices – Having a clean driving record has a lot to do with how much you pay for insurance. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Only having one speeding ticket may increase your cost by as much as twenty percent. Drivers who have received multiple violations such as hit and run, DWI or reckless driving convictions may be required to complete a SR-22 with their state in order to legally drive.

The information below shows how violations and at-fault fender-benders drive up Acura ZDX insurance prices for different categories of driver ages. The premiums are based on a married female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

How many miles do you drive? – The more miles you rack up on your Acura in a year the higher your rate. Most companies rate vehicles determined by how the vehicle is used. Autos not used for work or commuting can get a lower rate compared to those used for work or business. An incorrectly rated ZDX can result in significantly higher rates. It’s a good idea to make sure your vehicle rating is showing the correct usage.

You might pay more if you are single – Having a spouse actually saves money when shopping for car insurance. Having a significant other may mean you are more mature and responsible and statistics prove being married results in fewer claims.

Low stress job equals lower prices – Jobs like military generals, business owners, and accountants are shown to have higher premium rates attributed to intense work situations and lots of time spent away from family. Conversely, jobs such as actors, engineers and the unemployed pay lower than average rates.

Can a thief steal your car? – Driving a car with a theft deterrent system can help lower your premiums. Systems that thwart thieves like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft and help lower rates.

Performance influences insurance costs – The performance of the vehicle you own makes a huge difference in your auto insurance rates. The most favorable rates are for lower performance four cylinder passenger models, but other factors influence the final cost greatly.

The chart below uses these assumptions: single female driver age 20, full coverage with $100 deductibles, and no discounts or violations. It compares Acura ZDX car insurance rates compared to other models that have different performances.

City traffic equals higher premiums – Choosing to live in smaller towns and rural areas of the country may provide you with better prices when talking about car insurance. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft. Drivers in populated Texas areas regularly have much more traffic and more time behind the wheel. Higher commute times can result in more accidents.

It may be expensive, but it’s not optional

Even though it’s not necessarily cheap to insure an Acura in Dallas, paying for insurance serves several important purposes.

First, the majority of states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability insurance if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your vehicle with a loan, most lenders will require you to have physical damage coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Acura for a lot more money and make you pay a much higher amount than you were paying before.

Third, insurance protects both your assets and your Acura. It also can pay for medical transport and hospital expenses incurred in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of an accident. If you have damage to your Acura as the result of the weather or an accident, your policy will pay to have it repaired.

The benefits of buying insurance definitely exceed the price paid, especially if you ever need it. An average driver in America is overpaying more than $865 each year so it’s very important to do a rate comparison every year to be sure current rates are still competitive.

Affordable insurance rates are out there

There are still a few companies who may not provide the ability to get a quote online and many times these smaller providers only sell coverage through independent agents. Lower-priced insurance in Dallas is available both online and from local insurance agents, so you should compare both to have the best rate selection.

We just showed you a lot of techniques to lower your Acura ZDX insurance prices in Dallas. The most important thing to understand is the more companies you get rates for, the higher your chance of finding cheaper Dallas auto insurance quotes. You may even be surprised to find that the lowest prices come from a small mutual company. These smaller insurers can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. In too many instances, an insured cut full coverage only to regret that it was a big error on their part. Your focus should be to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.

How to buy discount Acura ZDX insurance in Dallas

The preferred way to save money on car insurance rates is to compare quotes annually from different companies in Dallas. You can compare rates by following these steps.

• Step 1: Spend a few minutes and learn about how companies set rates and the measures you can control to prevent expensive coverage. Many rating factors that result in higher rates like your driving record and poor credit rating can be improved by making minor changes to your lifestyle.
• Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agencies can provide prices from multiple sources. Get quotes now
• Step 3: Compare the new quotes to your existing rates and see if there is a cheaper rate in Dallas. If you find better rates and make a switch, ensure coverage does not lapse between policies.

One thing to point out is that you’ll want to compare the same physical damage deductibles and liability limits on each price quote and and to get quotes from all possible companies. Doing this enables an accurate price comparison and the best price selection.

Even more information is available in the articles below:

• Insurance losses by make and model (Insurance Institute for Highway Safety)
• How Much are Auto Insurance Rates for a Nissan Rogue in Dallas? (FAQ)
• Who Has the Cheapest Auto Insurance for Homeowners in Dallas? (FAQ)
• How Much is Dallas Auto Insurance for Teachers? (FAQ)
• Who Has the Cheapest Dallas Car Insurance Rates for Drivers Over Age 60? (FAQ)
• How Much are Dallas Auto Insurance Rates for Hybrid Vehicles? (FAQ)
• Auto Insurance FAQ (Farmers Insurance)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Red Light Cameras (State Farm)
• How do I File a Claim? (Insurance Information Institute)