Save Money on Acura ZDX Insurance in Mesa

Insurance for Acura ZDXIf you want to find the absolute lowest rates, then the best way to find low-cost prices for Acura ZDX insurance is to compare prices regularly from companies that sell auto insurance in Mesa.

The most important part of this process is that you’ll want to make sure you compare similar coverage information on each quote and and to get rate quotes from every insurance company. Doing this guarantees a fair rate comparison and maximum price selection.

It’s easy to assume that auto insurance companies don’t want their customers to go rate shopping. Insureds who shop around for cheaper price quotes will most likely switch to a new company because they stand a good chance of finding a more affordable policy premium. A study showed that people who made a habit of comparing rates saved $3,450 over four years as compared to drivers who never shopped around.

If finding the cheapest rates on insurance in Mesa is the reason for your visit, then having an understanding of the best way to shop and compare insurance rates can make it easier to find better rates.

Compare Mesa Acura ZDX insurance quotes online

The companies in the list below are ready to provide comparison quotes in Arizona. To find the best car insurance in Arizona, it’s highly recommended you visit as many as you can to get a more complete price comparison.

Detailed insurance information

The premium table below highlights estimates of policy rates for Acura ZDX models. Having a better understanding of how policy rates are determined can be valuable when making smart choices when selecting a policy.

Acura ZDX Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $254 $418 $306 $18 $92 $1,088 $91
ZDX AWD $254 $418 $306 $18 $92 $1,088 $91
ZDX Advance Package AWD $254 $474 $306 $18 $92 $1,144 $95
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in garaging location in Mesa which can impact coverage prices greatly.

Where to set your deductibles

A question often asked by Mesa drivers is the level to set your comp and collision deductibles. The tables below may help you to understand how much more you’ll pay between low and high policy deductibles. The first pricing table uses a $100 physical damage deductible and the second rate table uses a $1,000 deductible.

Acura ZDX insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $358 $632 $300 $18 $90 $1,423 $119
ZDX AWD $358 $632 $300 $18 $90 $1,423 $119
ZDX Advance Package AWD $358 $716 $300 $18 $90 $1,507 $126
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Acura ZDX insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $198 $334 $300 $18 $90 $940 $78
ZDX AWD $198 $334 $300 $18 $90 $940 $78
ZDX Advance Package AWD $198 $376 $300 $18 $90 $982 $82
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price information does not factor in vehicle garaging location which can alter coverage prices substantially.

We can estimate from the data above that using a $100 deductible costs about $42 more each month or $504 annually than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 21 months between claim filings, you would come out ahead by selecting a higher deductible.

Safe drivers pay less for car insurance

The illustration below highlights how speeding tickets and accidents can affect Acura ZDX insurance prices for each different age group. The information is based on a single female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

Acura ZDX insurance rates by gender

The information below illustrates the comparison of Acura ZDX yearly insurance costs for male and female drivers. Data assumes no claims or violations, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Acura ZDX full coverage rates compared to liability only

The diagram below illustrates the comparison of Acura ZDX insurance premiums with full coverage and liability only. The premiums assume no violations or claims, $100 deductibles, single status, and no discounts are applied to the premium.

Deciding between full coverage and liability only

There is no exact rule for eliminating full coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s assume your Acura ZDX replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $7,000 after paying your policy deductible. If it’s costing in excess of $700 annually for full coverage, then you may want to consider only buying liability coverage.

There are some cases where only buying liability is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not buy liability only.

Insurance discounts are available to cut your rates

Companies offering auto insurance don’t necessarily list all possible discounts very well, so the following list contains a few of the more common and also the more inconspicuous discounts that may be available.Cheaper insurance with discounts

Policy discounts save money, but many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. Even though the math looks like you can get free auto insurance, insurance companies aren’t that generous.

The chart below visualizes the comparison of Acura ZDX insurance prices with and without discounts applied to the premium. The data assumes a male driver, no claims, a clean driving record, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, homeowner, multi-policy, and claim-free discounts applied.

A partial list of companies who may offer these benefits are:

Check with every prospective company to give you their best rates. A few discounts might not be available to policyholders in Mesa. To locate insurance companies with discount rates in Arizona, follow this link.

Choosing Acura vehicle insurance is an important decision

Despite the high cost of buying insurance for a Acura ZDX in Mesa, insurance may be required for several reasons.

First, most states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability insurance in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a lien on your ZDX, more than likely the lender will require you to carry insurance to guarantee loan repayment. If coverage lapses or is canceled, the bank may buy a policy for your Acura at a much higher rate and force you to pay for the much more expensive policy.

Third, insurance protects both your vehicle and your personal assets. It will also pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense 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, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your ZDX more than cancel out the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver is overpaying over $800 each year so you should quote and compare rates at every policy renewal to ensure rates are inline.

Car insurance company ratings

Picking a good quality company can be rather challenging considering how many choices there are in Mesa. The information displayed below can help you choose which car insurance companies you want to consider when comparing rates.

Top 10 Mesa Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

Buying from insurance agencies

Some consumers prefer to buy from a licensed agent and we recommend doing that Licensed agents are trained risk managers and give you someone to call. One of the best bonuses of comparing rates online is that you can obtain cheap insurance rates but still work with a licensed agent.

Find insurance agent in MesaTo help locate an agent, after submitting this simple form, the coverage information is transmitted to local insurance agents in Mesa who will gladly provide quotes for your business. It simplifies rate comparisons since you won’t have to find an agent on your own because quoted prices will be sent to you directly. If you need to compare prices for a specific company, feel free to search and find their rate quote page and give them your coverage information.

Finding a good provider is decision based upon more than just the premium amount. The following questions are important to ask.

Mesa auto insurance agents are either independent or exclusive

If you want to buy insurance from an insurance agent, there are two different agency structures and how they differ in how they quote coverages. Insurance agents are categorized either independent or exclusive. Both types can write insurance policies, but it’s important to know the difference in how they write coverage since it can impact the type of agent you choose.

Exclusive Insurance Agents

Exclusive agents work for only one company like State Farm, AAA, Farmers Insurance or Allstate. They generally cannot compare rates from other companies so always compare other rates. Exclusive insurance agents are usually quite knowledgeable on what they offer which helps overcome the inability to quote other rates.

Below is a short list of exclusive agencies in Mesa that are able to give comparison quotes.

157 W Main StMesa, AZ 85201(480) 966-6209View Map

2801 E McKellips RdMesa, AZ 85213(480) 830-1513View Map

1046 E McKellips RdMesa, AZ 85203(480) 926-0388View Map

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Independent Insurance Agents

Independent agencies often have affiliation with several companies and that is an advantage because they can write policies with multiple insurance companies and find you the best rates. If your premiums go up, they simply move the coverage in-house and you won’t have to switch agencies. If you are trying to find cheaper rates, it’s recommended you contact several independent agencies in order to compare the most rates.

Below is a short list of independent insurance agencies in Mesa that can give you price quotes.

3851 E Main StMesa, AZ 85205(480) 924-2600View Map

3950 E Broadway Rd # 102Mesa, AZ 85206(480) 964-2400View Map

1125 E Southern AveMesa, AZ 85204(480) 892-8755View Map

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