2010 Acura ZDX Insurance Cost in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Looking for cheaper insurance coverage rates for your Acura ZDX? If price shopping auto insurance quotes online is new to you, by this point your are probably overwhelmed by the vast number of insurance providers all claiming to save you money.

It is always a good idea to check insurance coverage prices as often as possible because insurance coverage prices change regularly. Just because you found the best deal on ZDX coverage two years ago a different company probably has better rates today. There are lots of tips to save on insurance coverage online but we’re going to give you some great ideas on how to lower your insurance coverage rates.

First Step: Get free auto insurance quotes

Comparing auto insurance rates can be a daunting task if you aren’t aware of the fastest way to get free quotes. You could waste a few hours talking to local insurance agents in your area, or you can stay home and use online quoting to get the quickest rates.

Most major companies participate in an industry program that allows shoppers to complete one form, and each participating company then returns a price quote based on the submitted data. This saves time by eliminating quote requests to every company. To find out how much you’re overpaying now enter your zip code here.

One minor caveat to doing it this way is you are unable to specify which insurance companies you want to price. If you wish to select individual companies to request quotes from, we have a listing of the cheapest auto insurance companies in your area. Click to enter zip code for insurance companies.

Compare rates however you want, just make darn sure you compare identical coverage limits on every quote you get. If you use different values for each quote it will be very difficult to get a fair rate comparison. Just slight variations in coverage limits can make a big difference in price. And when quoting auto insurance, remember that making a lot of price comparisons increases your odds of finding more affordable rates. Some companies don’t provide online rate quotes, so it’s important to compare quotes from them as well.

Lower-cost insurance rates with discounts

Some providers don’t always publicize all available discounts in a way that’s easy to find, so the list below contains a few of the more common as well as some of the hidden savings tricks you should be using when you buy auto insurance online.

  • Defensive Driving Course – Participating in a course that instructs on driving safety is a good idea and can lower rates and also improve your driving technique.
  • No Charge for an Accident – This isn’t a discount exactly, but some insurance companies will forgive one accident without raising rates with the catch being you have to be claim-free for a specific time period.
  • Military Discounts – Having a deployed family member could mean lower prices.
  • Distant College Student Discount – Kids who live away from home at college without a vehicle on campus could qualify for this discount.
  • Professional Organizations – Having an affiliation with specific professional or occupational memberships or organizations could earn you a nice discount on your next renewal.
  • Sign Early and Save – Some companies reward drivers for signing up before your current coverage expires. Ten percent is about the average savings.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount should help lower the cost of your policy.

A few popular companies and their offered discounts are:

  • State Farm may have discounts that include good student, driver’s education, anti-theft, accident-free, multiple policy, good driver, and student away at school.
  • Progressive includes discounts for continuous coverage, multi-policy, multi-vehicle, online signing, online quote discount, good student, and homeowner.
  • Travelers may offer discounts for good student, continuous insurance, home ownership, IntelliDrive, multi-policy, and payment discounts.
  • American Family may include discounts for bundled insurance, early bird, TimeAway discount, good student, good driver, air bags, and mySafetyValet.
  • Liberty Mutual offers discounts including new graduate, multi-car, preferred payment discount, hybrid vehicle, multi-policy, safety features, and teen driver discount.

Before buying, ask every prospective company which discounts can lower your rates. Discounts might not be offered on policies in your area. To choose insurance companies with the best insurance discounts, enter your zip code here.

Tailor your car insurance coverage to you

When choosing coverage, there really is no one size fits all plan. Every situation is different.

For instance, these questions could help you determine if your situation may require specific advice.

  • When should I not file a claim?
  • Is extra glass coverage worth it?
  • Where can I find high-risk insurance?
  • Can my teen drive my company car?
  • Am I covered when driving a rental car?
  • How high should my medical payments coverage be?
  • What is the ISO rating for a 2010 Acura ZDX?
  • When should my teen driver be added to my policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete your zip code.

Insurance coverage specifics

Understanding the coverages of your insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Coverage for collisions

This will pay to fix damage to your ZDX from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, sustaining damage from a pot hole, hitting a parking meter, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Liability car insurance

Liability coverage will cover damage that occurs to people or other property that is your fault. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims like structural damage, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, vandalism, falling objects, rock chips in glass and damage from flooding. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like surgery, EMT expenses, ambulance fees, prosthetic devices and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles