Auto Insurance Quotes for an Acura ZDX in Aurora

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Unbelievable but true according to a study the vast majority of insurance customers have bought insurance from the same company for over three years, and virtually 40% of consumers have never compared rates from other carriers. With the average insurance premium being $1,810, Colorado drivers could cut their rates by as much as 35% a year just by comparing rates, but they underestimate the rate savings if they replace their high priced policy.

Insurance quote for Acura ZDX in AuroraIf you want to find the absolute lowest rates, then the best way to find more affordable car insurance rates in Aurora is to start comparing prices yearly from companies in Colorado. Drivers can shop around by completing these steps.

  • First, spend some time learning about the coverage provided by your policy and the things you can change to drop your rates. Many things that cause high rates such as multiple speeding tickets and a not-so-good credit score can be controlled by paying attention to minor details. Continue reading for additional tips to help reduce prices and earn larger discounts.
  • Second, compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO or Allstate, while independent agencies can provide rate quotes from multiple insurance companies.
  • Third, compare the new rate quotes to your current policy to see if you can save by switching companies. If you can save some money, ensure there is no coverage lapse between policies.
  • Fourth, give notification to your current company of your intention to cancel your current car insurance policy and submit a down payment along with a completed application to your new carrier. Immediately place your new certificate of insurance in your vehicle's glove compartment or console.

One important bit of advice is to try to use similar limits and deductibles on each quote and and to analyze as many carriers as you can. Doing this guarantees a fair price comparison and many rates to choose from.

Our objective in writing this article is to tell you the most effective way to quote insurance and some tricks to saving. If you have car insurance now, you will be able to reduce premiums using these techniques. Smart buyers just need to learn the best way to compare rates from many companies at once.

The most recommended method to compare car insurance rates for Acura ZDX insurance in Aurora is to realize all the major auto insurance companies provide online access to give you rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details like if your license is active, driver ages, the type of vehicles you drive, and distance driven. The data is instantly submitted to many different companies and they return quotes almost instantly.

If you would like to start a quote now, click here and complete the form.

The providers in the list below are our best choices to provide free quotes in Colorado. If multiple companies are listed, it's highly recommended you visit several of them to get the lowest price.

Car insurance is not optional but you don't have to overpay

Even though it's not necessarily cheap to insure an Acura in Aurora, buying car insurance serves a purpose in several ways.

  • Just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage in order to get the vehicle licensed. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
  • If your Acura ZDX has a loan, most lenders will have a requirement that you buy full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender may insure your Acura for a much higher rate and require you to pay much more than you were paying before.
  • Car insurance preserves not only your Acura but also your financial assets. Insurance will also pay for many types of medical costs that are the result of an accident. One policy coverage, liability insurance, will also pay to defend you if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of buying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver overpays as much as $865 each year so compare quotes from several companies once a year at a minimum to ensure rates are competitive.

Car insurance analysis for an Acura ZDX

The coverage information shown below outlines estimates of policy rates for Acura ZDX models. Having a better idea how insurance policy rates are determined helps drivers make informed decisions when comparing rates.

Acura ZDX Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $368 $714 $426 $26 $128 $1,662 $139
ZDX AWD $368 $714 $426 $26 $128 $1,662 $139
ZDX Advance Package AWD $368 $808 $426 $26 $128 $1,756 $146
Get Your Own Custom Quote Go

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Premium amounts do not factor in zip code location which can raise or lower prices noticeably.

Car insurance deductibles

One frequently asked question is where should you set your physical damage deductibles. The following insurance rates outline the premium difference when you buy lower versus higher physical damage deductibles. The first rate estimation uses a $100 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Acura ZDX insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $420 $740 $352 $20 $106 $1,663 $139
ZDX AWD $420 $740 $352 $20 $106 $1,663 $139
ZDX Advance Package AWD $420 $838 $352 $20 $106 $1,761 $147
Get Your Own Custom Quote Go
Acura ZDX insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $232 $390 $352 $20 $106 $1,100 $92
ZDX AWD $232 $390 $352 $20 $106 $1,100 $92
ZDX Advance Package AWD $232 $442 $352 $20 $106 $1,152 $96
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in specific Aurora garaging location which can impact coverage rates considerably.

Based on the above data, using a $100 deductible costs about $49 more each month or $588 for a full year than buying the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 18 months between claims, you would most likely save money if you choose the higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $142
Average monthly premium for $1,000 deductibles (subtract): - $93
Monthly savings from raising deductible: $49
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $49
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One important issue to know is that raising deductibles to save money means you will have to pay more of your own money at claim time. You must have some savings in the bank in the event you have to pay more to get your vehicle repaired.

The information below illustrates how your deductible choice and can impact Acura ZDX yearly insurance costs for different insured age categories. The data is based on a single female driver, full coverage, and no discounts are applied.

How much more does full coverage cost?

The chart below shows the difference between Acura ZDX insurance costs with full physical damage coverage and with liability coverage only. Data assumes no driving violations, no at-fault accidents, $500 deductibles, single status, and no discounts are applied.

Should you pay for full coverage or liability only?

There is no set guideline for eliminating physical damage coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let's say your Acura ZDX claim settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $3,000 after you pay the deductible. If you are paying more than $300 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some situations where removing full coverage is not financially feasible. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.

These discounts can reduce Acura ZDX insurance rates

Car insurance companies do not list all discounts in an easy-to-find place, so the list below details a few of the more well known as well as some of the hidden credits available to bring down your rates.Cheaper insurance with discounts

  • Theft Deterrent System - Cars and trucks with anti-theft systems are stolen with less frequency and earn discounts up to 10% off your Aurora auto insurance quote.
  • Smart Student Discounts - Being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Accident Free - Aurora drivers who stay claim-free pay less when compared with insureds who have frequent claims or accidents.
  • Early Renewal Discounts - A few insurance companies allow discounts for switching policies prior to your current ZDX insurance policy expiring. You may see this discount when you get Aurora auto insurance quotes online.
  • Fewer Miles Equal More Savings - Low annual miles may allow you to get slightly better prices than normal.
  • Distant Student Discount - Children who live away from home at college and do not have a car could get you a discount.
  • Discount for Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life policy as well.

Discounts lower rates, but most of the big mark downs will not be given to the entire cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, that's just not realistic. But any discount will lower your policy cost.

The information below shows the difference between Acura ZDX premium costs with and without discounts. The prices are based on a male driver, no violations or accidents, Colorado 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, safe-driver, homeowner, multi-policy, multi-car, and claim-free discounts applied.

A few popular companies and the discounts they provide can be found below.

  • AAA has discounts for good student, AAA membership discount, multi-car, education and occupation, pay-in-full, and multi-policy.
  • Progressive offers discounts including online quote discount, good student, homeowner, continuous coverage, multi-vehicle, multi-policy, and online signing.
  • State Farm may include discounts for passive restraint, driver's education, multiple policy, multiple autos, and accident-free.
  • Esurance policyholders can earn discounts including renters, anti-theft, paid-in-full, safety device, and DriveSense.
  • Nationwide offers discounts for Farm Bureau membership, accident-free, business or organization, good student, and family plan.

Double check with all companies you are considering to apply every possible discount. Depending on the company, some discounts might not apply in Aurora. If you would like to view insurance companies that offer the discounts shown above in Colorado, click this link.

How to find a good Colorado car insurance company

Picking a highly-rated auto insurance provider can be difficult considering how many choices you have in Colorado. The ranking information displayed below could help you select which coverage providers to look at buying from.

Top 10 Aurora Car Insurance Companies by A.M. Best Rank

  1. USAA - A++
  2. Travelers - A++
  3. State Farm - A++
  4. GEICO - A++
  5. Esurance - A+
  6. Nationwide - A+
  7. Allstate - A+
  8. Progressive - A+
  9. Titan Insurance - A+
  10. The Hartford - A+

Top 10 Aurora Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance - 95%
  2. USAA - 94%
  3. AAA Insurance - 91%
  4. Nationwide - 90%
  5. State Farm - 90%
  6. The Hartford - 89%
  7. GEICO - 89%
  8. Allstate - 88%
  9. 21st Century - 88%
  10. The General - 88%