Want to save money and find cheaper auto insurance rates in Los Angeles, CA? Los Angeles shoppers have a choice when shopping for the lowest priced Acura ZDX insurance. You can either spend your time calling around to get rate comparisons or use the internet to make rate comparisons. There is a better way to shop for auto insurance and we’ll show you the proper way to price shop coverage for a new or used Acura and find the lowest possible price from Los Angeles insurance agents and online providers.
You should make it a habit to do rate comparisons every six months because insurance prices are rarely the same from one policy term to another. Even if you think you had the best quotes on Acura ZDX insurance in Los Angeles two years ago a different company probably has better rates today. You’ll find quite a bit of inaccurate information about ZDX insurance on the web, but you can learn a lot of great tips on how to find cheap auto insurance in Los Angeles.
The best way we recommend to compare car insurance company rates for Acura ZDX insurance in Los Angeles is to know almost all companies pay for the opportunity to quote your coverage. The one thing you need to do is provide a little information like whether you drive to work or school, whether or not you need a SR-22, daily mileage, and what your job is. That rating data is instantly provided to insurance companies and you receive quotes with very little delay.
To check Acura ZDX insurance prices now, click here and see if a lower rate is available in Los Angeles.
The companies shown below provide quotes in Los Angeles, CA. If multiple companies are listed, we suggest you get price quotes from several of them to find the most competitive auto insurance rates.
Acura ZDX coverage statistics
The table below highlights estimates of insurance premium costs for Acura ZDX models. Being more informed about how insurance policy premiums are established can assist in making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $384 | $630 | $442 | $26 | $132 | $1,614 | $135 |
| ZDX AWD | $384 | $630 | $442 | $26 | $132 | $1,614 | $135 |
| ZDX AdVance Package AWD | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in specific garaging location which can lower or raise premium rates significantly.
Policy deductible comparison
When buying auto insurance, a common question is which deductible level should you buy. The following insurance rates may help you to understand the differences in premium rates when you select higher and lower coverage deductibles. The first rate table uses a $100 deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| ZDX AWD | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| ZDX AdVance Package AWD | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $292 | $490 | $442 | $26 | $132 | $1,382 | $115 |
| ZDX AWD | $292 | $490 | $442 | $26 | $132 | $1,382 | $115 |
| ZDX AdVance Package AWD | $292 | $556 | $442 | $26 | $132 | $1,448 | $121 |
| Get Your Own Customized Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in garaging location in Los Angeles which can affect premium rates noticeably.
Based on the data above, we can derive that using a $100 deductible would cost the average driver about $60 more each month or $720 annually averaged for all ZDX models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 15 months between claims, you would probably come out ahead if you choose a higher deductible.
The diagram below illustrates how your choice of deductibles and can influence Acura ZDX insurance prices for different ages of insureds. The premiums are based on a married female driver, comp and collision included, and no discounts are taken into consideration.
Difference between liability only and full coverage rates
The illustration below shows the comparison of Acura ZDX car insurance costs when comparing full coverage to state minimum liability only. The data is based on no accidents or driving violations, $250 deductibles, marital status is single, and no discounts are applied to the premium.
When to switch to liability coverage only
There is no definitive guideline to exclude physical damage coverage, but there is a broad guideline. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Acura ZDX book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after you pay the deductible. If you are currently paying more than $500 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.
Insurance discounts help lower rates for Acura ZDX insurance in Los Angeles
Insurance can be prohibitively expensive, but you may qualify for discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but some must be specially asked for prior to receiving the credit.
- Low Miles Discount – Driving fewer miles may enable drivers to earn substantially lower premium rates.
- Waiver for an Accident – Not a discount per se, but companies like Progressive, Allstate, and GEICO will allow you to have one accident before they charge you more for coverage as long as you don’t have any claims for a set time period.
- Driver Education Discount – Have your child successfully take a driver’s education course if it’s offered in school.
- Discounts for Government Workers – Federal government employees could cut as much as 10% off with select insurance companies.
- Good Grades Discount – Getting good grades could provide a savings of up to 20% or more. The discount lasts up to age 25.
- Discount for Home Ownership – Simply owning a home can save a few bucks due to the fact that maintaining a home is proof that your finances are in order.
A quick disclaimer, some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, companies wouldn’t make money that way.
The illustration below illustrates the difference between Acura ZDX auto insurance costs with and without policy discounts. The premium estimates are based on a male driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, multi-car, homeowner, and safe-driver discounts applied.
Car insurance companies that possibly offer some of the discounts shown above include:
When comparing rates, check with each company to give you their best rates. Savings may not apply to policyholders everywhere. To see a list of insurance companies that provide some of the discounts listed above in California, follow this link.
Why car insurance is not optional
Even though it’s not necessarily cheap to insure an Acura in Los Angeles, insurance is required for several reasons.
- Almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability protection if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your Acura ZDX, almost all lenders will make it a condition of the loan that you have insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Acura at a much higher rate and require you to fork over for the expensive policy.
- Car insurance protects not only your Acura but also your financial assets. It will also cover most medical and hospital costs that are the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of having insurance outweigh the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver overpays more than $820 a year so it’s recommended you shop around at every policy renewal to make sure the price is not too high.
Local Los Angeles auto insurance agents
Some consumers still like to buy from a licensed agent. Professional insurance agents are trained risk managers and help submit paperwork. The biggest benefit of comparing rate quotes online is that you can find cheap rate quotes but still work with a licensed agent.
To find an agent, once you fill out this short form, your insurance data is sent to local insurance agents in Los Angeles who can give free rate quotes for your insurance coverage. It makes it easy because there is no need to visit any agencies due to the fact that quote results will go instantly to you. If you wish to quote rates from a specific insurance company, you would need to find their quoting web page and fill out the quote form the provide.
Deciding on an company requires you to look at more than just the price. Any agent in Los Angeles should be forthright in answering these questions:
- Do they prorate repair cost based on vehicle mileage?
- Is the agent CPCU or CIC certified?
- Do they have cheaper tiers of coverage?
- Are all drivers listed on the coverage quote?
- How long has their agency been in business in Los Angeles?
Below are agents in Los Angeles that can give you comparison quotes for Acura ZDX insurance in Los Angeles.
- Malcom Brown Insurance Agency
2861 Robertson Blvd – Los Angeles, CA 90034 – (310) 280-0946 – View Map - State Farm: Ramon Pantoja
714 W Olympic Blvd #1007 – Los Angeles, CA 90015 – (213) 225-0655 – View Map - Helen Lee – State Farm Insurance Agent
2535 W Olympic Blvd – Los Angeles, CA 90006 – (213) 738-0700 – View Map - Derek Ennis – State Farm Insurance Agent
3717 S La Brea Ave #202 – Los Angeles, CA 90016 – (323) 294-9400 – View Map