How many times have you said it’s time to compare more competitive Acura ZDX insurance in Cincinnati? Did budget coverage turn out to be an under-performing, overpriced car insurance policy? Believe me when I say there are lots of Cincinnati residents who feel the same.
A recent NerdWallet.com study revealed that the vast majority of drivers kept their coverage with the same car insurance company for at least four years, and practically 40% of car insurance customers have never compared rates with other companies. The average driver in the United States can save hundreds of dollars each year just by shopping around, but they feel it’s too difficult to shop around.
Numerous car insurance companies battle for your business, and because of this it can be hard to compare insurance companies and get the definite cheapest price on Acura ZDX insurance in Cincinnati.
You should take the time to shop coverage around at least once a year because rates fluctuate regularly. Despite the fact that you may have had the best rate on Acura ZDX insurance in Cincinnati six months ago a different company probably has better prices today. Forget anything you know (or think you know) about car insurance because we’re going to show you the fastest way to find lower rates on car insurance.
If you are insured now, you will most likely be able to find the best rates using the ideas presented in this article. Buying affordable insurance in Cincinnati can be made easier if you know where to look. But Ohio drivers must learn the methods companies use to charge you for coverage because rates fluctuate considerably.
The easiest way to compare rate quotes for Acura ZDX insurance in Cincinnati takes advantage of the fact almost all companies pay for the opportunity to quote your coverage. To get started, all you need to do is provide a little information like whether you drive to work or school, level of coverage desired, if you’re married, and if it has an anti-theft system. That information is submitted instantly to many different companies and you receive quotes immediately.
If you would like to start a quote now, click here and complete the quick form.
The providers in the list below have been selected to offer comparison quotes in Ohio. To locate cheap auto insurance in Ohio, it’s highly recommended you visit two to three different companies to get a more complete price comparison.
Premium rates and analysis
The price information displayed next outlines a range of prices for Acura ZDX models. Learning more about how auto insurance policy rates are established can help customers make informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|ZDX Technology Package AWD||$232||$468||$256||$16||$76||$1,048||$87|
|ZDX Advance Package AWD||$232||$530||$256||$16||$76||$1,110||$93|
|Get Your Own Custom Quote Go|
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate quotes do not factor in specific zip code location which can alter prices considerably.
The information below illustrates how your deductible choice and can influence Acura ZDX insurance costs for different age groups. The information is based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.
Comparison of auto insurance rates by age and gender in Cincinnati
The information below shows the comparison of Acura ZDX annual premium costs for male and female drivers. The premiums assume no tickets, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.
Difference between liability only and full coverage rates
The example below shows the comparison of Acura ZDX insurance costs with full coverage and liability only. The rate quotes are based on no claims or driving citations, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
Are you wasting money paying for full coverage?
There is no exact rule to eliminate physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s say your Acura ZDX replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after paying your policy deductible. If you are paying in excess of $600 annually for your policy with full coverage, then you may want to consider only buying liability coverage.
There are a few cases where buying only liability insurance is not recommended. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.
Three reasons to insure your vehicle
Despite the potentially high cost of Acura ZDX insurance, buying insurance may be mandatory for several reasons.
- Just about all states have minimum liability requirements which means the state requires a specific level of liability coverage if you drive a vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Acura, it’s guaranteed your bank will force you to buy insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank may buy a policy for your Acura at a much higher rate and make you pay a much higher amount than you were paying before.
- Insurance preserves both your assets and your Acura. Insurance will pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to repair the damage.
The benefits of buying insurance greatly outweigh the cost, particularly when you have a large claim. But the average American driver overpays more than $700 annually so it’s very important to do a rate comparison at least once a year to help ensure money is not being wasted.
When in doubt talk to an agent
When choosing coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply.
Here are some questions about coverages that may help you determine if you will benefit from professional help.
- Should I rate my vehicle as business use?
- Will I lose any money if I cancel my policy before it expires?
- Are my tools covered if they get stolen from my vehicle?
- How much underlying liability do I need for an umbrella policy?
- Does medical payments coverage apply to all occupants?
- I have a DUI can I still get coverage?
- Does my insurance cover my expensive audio equipment?
- Do I really need UM/UIM coverage?
- When should I not buy collision coverage?
- Can I make deliveries for my home business?
If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.
Car insurance specifics
Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by car insurance companies.
Comprehensive protection – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as falling objects, hitting a bird and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Auto liability – Liability insurance provides protection from damages or injuries you inflict on other people or property. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers things such as bail bonds, repair costs for stationary objects, court costs and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible. Ohio requires minimum liability limits of 25/50/25 but you should consider buying better liability coverage.
The chart below demonstrates why buying low liability limits may not provide adequate coverage.
Collision coverage – This covers damage to your ZDX resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like hitting a mailbox, colliding with a tree, driving through your garage door, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible on your ZDX to bring the cost down.
Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills like ambulance fees, chiropractic care and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay
Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Acura ZDX.
Because many people carry very low liability coverage limits (25/50/25 in Ohio), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.
Ohio auto insurance companies ranked
Selecting a good quality car insurance company is hard considering how many choices drivers have in Ohio. The ranking data listed below may help you choose which coverage providers to look at purchasing coverage from.
Top 10 Cincinnati Car Insurance Companies Overall
- 21st Century
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- American Family
Cheaper car insurance is a realistic goal
A few companies may not offer rate quotes online and many times these smaller providers only sell coverage through independent insurance agents. Cheap Acura ZDX insurance in Cincinnati can be sourced online and from local insurance agents, so compare prices from both in order to have the best chance of saving money.
We just showed you many tips how you can find affordable Acura ZDX insurance in Cincinnati. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive or GEICO.
How to find cheaper rates for Acura ZDX insurance in Cincinnati
Truthfully, the best way to quote cheaper Acura ZDX insurance is to annually compare prices from providers who sell auto insurance in Cincinnati.
- It will benefit you to learn about how car insurance works and the steps you can take to keep rates in check. Many factors that increase rates like traffic violations, accidents, and a low credit score can be rectified by making minor driving habit or lifestyle changes.
- Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO or Farmers Insurance, while independent agencies can give you price quotes from multiple insurance companies.
- Compare the new rates to the price on your current policy to see if a cheaper price is available. If you find a better price and change companies, make sure there is no lapse in coverage.
The most important part of shopping around is to try to compare the same liability limits and deductibles on every quote and and to get price quotes from every company you can. Doing this helps ensure a fair price comparison and a thorough price selection.
Much more information about car insurance in Ohio can be read below:
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Who Has Cheap Auto Insurance for High School Students in Cincinnati? (FAQ)
- How Much are Cincinnati Auto Insurance Rates for a Subaru Outback? (FAQ)
- How Much are Auto Insurance Quotes for Low Credit Scores in Cincinnati? (FAQ)
- Who Has Affordable Auto Insurance for Drivers with a Bad Driving Record in Cincinnati? (FAQ)
- Who Has the Cheapest Cincinnati Auto Insurance Rates with Multiple Speeding Tickets? (FAQ)
- Who Has the Cheapest Cincinnati Car Insurance Rates for a Chevrolet Silverado? (FAQ)
- Prom Night Tips for Teen Drivers (State Farm)
- How do I File a Claim? (Insurance Information Institute)
- Should I Buy a New or Used Car? (Allstate)