Cheapest Acura ZDX Insurance in Raleigh

Everyone knows that car insurance companies don’t want policyholders to shop around. Consumers who get price comparisons will presumably switch companies because there is a high probability of finding a cheaper policy. A study showed that drivers who shopped around saved on average $3,400 over four years compared to people who don’t regularly compare prices.

If saving money on insurance is your intention, then having a good understanding how to get rate quotes and compare insurance rates can make it simple to find affordable coverage.

To save the most money, the best way to find cheaper auto insurance rates is to start doing an annual price comparison from different companies who sell auto insurance in Raleigh. You can compare rates by following these guidelines.

First, spend a few minutes and learn about how car insurance works and the steps you can take to prevent high rates. Many rating criteria that result in higher prices like accidents, traffic tickets, and your credit history can be amended by making lifestyle changes or driving safer.

Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like GEICO or Allstate, while agents who are independent can provide prices from multiple companies. Compare rates

Third, compare the new rates to your existing coverage to determine if switching companies saves money. If you find a lower rate quote and make a switch, ensure there is no coverage lapse between policies.

Fourth, tell your current agent or company to cancel your current auto insurance policy and submit payment along with a signed and completed policy application to your new carrier. As soon as you can, put the new certificate verifying proof of insurance in your vehicle’s glove compartment or console.

A crucial key to this process is that you use the same liability limits and deductibles on each quote request and and to analyze as many companies as you can. Doing this enables an apples-to-apples comparison and the best price quote selection.

Locating the most cost-effective insurance policy in Raleigh is not that difficult as long as you know where to start. In a nutshell, everyone who is shopping for insurance should find a lower price. But North Carolina vehicle owners can benefit by having an understanding of how companies price insurance differently and take advantage of how the system works.

Low Cost Acura insurance rates in Raleigh

The companies shown below are ready to provide price comparisons in Raleigh, NC. To find cheaper car insurance in North Carolina, we recommend you compare several of them to find the most competitive car insurance rates.

Rates and information analytics

The coverage information shown next covers a range of insurance rates for Acura ZDX models. Having a better understanding of how insurance policy rates are calculated can assist in making smart policy decisions.

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Information does not factor in garaging location in Raleigh which can modify premium rates greatly.

Deductible analysis

When shopping for car insurance, a common question is at what level do you set your deductibles. The figures shown below determine how much more you’ll pay when you choose different insurance deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rates do not factor in your specific Raleigh location which can lower or raise auto insurance rates substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $35 more each month or $420 annually across all Acura ZDX models than opting for the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 26 months between claims, you would come out ahead if you choose a higher deductible. Here is the way you can decide this on your own policy.

One important note is that raising deductibles means you pay more out-of-pocket if you have a claim. You need to make sure you have enough extra savings in the event you need to pay the deductible for vehicle repair.

The information below shows how different deductible levels and can increase or decrease Acura ZDX insurance prices for each age group. Data assumes a married female driver, comp and collision included, and no other discounts are factored in.

Bad driving habits will cost you more

The information below shows how speeding tickets and at-fault claims impact Acura ZDX insurance costs for each age group. The costs are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Comparison of car insurance rates by gender

The chart below illustrates the difference between Acura ZDX auto insurance rates for male and female drivers. The price estimates are based on no accidents, no driving violations, full coverage, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

Cost difference between full coverage and liability

The diagram below visualizes the comparison of Acura ZDX car insurance costs with full coverage compared to only the North Carolina minimum liability coverage. The rate quotes are based on no claims or driving citations, $100 deductibles, drivers are single, and no discounts are taken into consideration.

When to drop full coverage

There isn’t a written rule of when to stop paying for comp and collision coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Acura ZDX book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after you pay the deductible. If premium cost is more than $700 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are a few situations where eliminating full coverage is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not buy liability only.

Slash your auto insurance rates with these eight discounts

Companies offering auto insurance don’t list every discount they offer very clearly, so the following is a list of a few of the more common and also the more inconspicuous discounts that you may qualify for.

• Claim-Free Discount – Drivers with accident-free driving histories get the best auto insurance rates compared to frequent claim filers.
• Anti-lock Brake System – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
• Buy New and Save – Buying insurance coverage on a new vehicle can save up to 30% since new vehicles are generally safer.
• Save over 55 – Drivers that qualify as senior citizens can get a slight reduction on a Raleigh auto insurance quote.
• Early Renewal Discounts – A few insurance companies offer discounts for switching companies prior to your current ZDX insurance policy expiring. It could save around 10% when you buy Raleigh auto insurance online.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and can earn a small discount on your policy.
• Government Employees – Simply working for the federal government can earn a discount up to 10% depending on your company.
• Accident Forgiveness – Not a discount per se, but companies like Progressive, Allstate, and Liberty Mutual will allow you to have one accident without the usual rate increase if you are claim-free for a set time period.

Remember that most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you can get free auto insurance, nobody gets a free ride. But any discount will bring down your policy cost.

The chart below shows the difference between Acura ZDX car insurance rates with and without some available policy discounts. The data assumes a male driver, no claims or driving citations, North Carolina state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-policy, marriage, and multi-car discounts applied.

To view companies that offer the discounts shown above in North Carolina, click here to view.

When should I discuss my situation with an agent?

Keep in mind that when it comes to choosing insurance from an agent or online for your vehicles, there really isn’t a best way to insure your cars. Everyone’s needs are different.

These are some specific questions could help you determine if your insurance needs would benefit from professional advice.

• Is my Acura ZDX covered for smoke damage?
• What is the minimum liability in North Carolina?
• Are there any extra discounts I can get?
• Does my insurance cover a custom paint job?
• Do I really need UM/UIM coverage?
• Do I have coverage when using my vehicle for my home business?
• Should I drop comprehensive coverage on older vehicles?
• Is my trailer covered?
• Do I need motorclub coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Can’t I get rate quotes from local Raleigh insurance agencies?

Some people prefer to go talk to an agent and that is OK! The best thing about price shopping on the web is that you can find the lowest rates but also keep your business local.

Once you complete this simple form, your information is transmitted to participating agents in Raleigh that provide free Raleigh auto insurance quotes for your business. You won’t need to leave your computer since price quotes are sent to you directly. You can most likely find cheaper rates AND an agent nearby. If you have a need to get a comparison quote from a specific company, just go to their quote page and give them your coverage information.

Finding the right company requires you to look at more than just a cheap price. Some important questions to ask are:

• Do they receive special compensation for putting your coverage with one company over another?
• If your car is in the repair shop, do you have coverage for a rental car?
• Are they actively involved in the community?
• Is vehicle damage repaired with OEM or aftermarket parts?
• How are claims handled?
• Is their price quote a firm figure or are their hidden costs?

Auto insurance coverage information

Understanding the coverages of your car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Auto liability

This coverage provides protection from injuries or damage you cause to people or other property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 30/60/25 which means a $30,000 limit per person for injuries, a limit of $60,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability can pay for things such as legal defense fees, pain and suffering, medical expenses, medical services and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible. North Carolina requires drivers to carry at least 30/60/25 but you should think about purchasing higher limits.

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

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses such as hospital visits, ambulance fees, prosthetic devices and X-ray expenses. 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 you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like theft, fire damage, hitting a bird, hitting a deer and a broken windshield. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

This covers damage to your ZDX resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as scraping a guard rail, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible on your ZDX to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Acura ZDX.

Due to the fact that many North Carolina drivers carry very low liability coverage limits (30/60/25 in North Carolina), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

North Carolina auto insurance company ratings

Picking the right auto insurance company can be rather challenging considering how many different companies sell coverage in Raleigh. The rank data listed below can help you select which auto insurance companies to look at shopping your coverage with.

Top 10 Raleigh Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top 10 Raleigh Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Travelers – 88%
7. Progressive – 88%
8. Safeco Insurance – 88%
9. State Farm – 88%
10. Allstate – 88%

Don’t give up on affordable coverage

We just showed you many ways to reduce Acura ZDX insurance car insurance rates online in Raleigh. The key thing to remember is the more times you quote, the better chance you’ll have of finding affordable Acura ZDX insurance quotes. You may even discover the biggest savings come from the least-expected company.

Consumers switch companies for a variety of reasons including high rates after DUI convictions, unfair underwriting practices, questionable increases in premium or even extreme rates for teen drivers. Whatever your reason, switching auto insurance companies is less work than it seems.

Some auto insurance companies don’t offer online rate quotes and these small, regional companies only sell coverage through independent insurance agents. Cheaper Acura ZDX insurance in Raleigh is definitely available both online and from local insurance agents, and you need to price shop both so you have a total pricing picture.

Much more information about auto insurance in North Carolina can be found below:

• Side Impact Crash Tests (iihs.org)
• What Auto Insurance is Cheapest for Hybrid Vehicles in Raleigh? (FAQ)
• How Much are Raleigh Auto Insurance Quotes for Postal Workers? (FAQ)
• How Much is Raleigh Auto Insurance with Multiple Speeding Tickets? (FAQ)
• Distracted Driving Extends Beyond Texting (State Farm)
• Distracted Driving Statistics (Insurance Information Institute)