Want low-cost Acura ZDX insurance in El Paso? Using the web to shop for El Paso car insurance quotes online may seem complicated initially if you’re new to online quoting. But don’t be confused because finding cheaper rates for Acura ZDX insurance in El Paso is easier than you think.
Steps to finding discount Acura ZDX insurance in El Paso
To save the most money, the best way to find low-cost Acura ZDX insurance in El Paso is to annually compare prices from insurers in Texas.
- It will benefit you to learn about the coverage provided by your policy and the modifications you can make to prevent expensive coverage. Many policy risk factors that cause rate increases like speeding and a negative credit history can be eliminated by making lifestyle changes or driving safer.
- Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agents can quote prices for many different companies. Select a company
- Compare the new rate quotes to the price on your current policy to see if switching to a new carrier will save money. If you can save money and change companies, make sure coverage is continuous and does not lapse.
- Provide adequate notice to your current company of your intention to cancel your current car insurance policy and submit the required down payment along with the signed application to your new insurance company. Immediately put the new proof of insurance paperwork along with the vehicle’s registration papers.
A valuable tip to remember is to make sure you’re comparing identical deductibles and limits on every price quote and and to compare as many companies as you can. Doing this helps ensure a fair rate comparison and maximum price selection.
Anyone knows that auto insurance companies don’t want you to look at other companies. Drivers who compare rates once a year are inclined to move their business because they stand a good chance of finding a policy with better rates. A recent survey discovered that people who compared rates regularly saved approximately $3,500 over four years as compared to drivers who don’t make a habit of comparing rates.
If finding the lowest rates on car insurance in El Paso is your objective, understanding how to choose a company and compare car insurance can save time and money.
This article’s goal is to teach you a little about how to compare rates easily and how to save the most money. If you have insurance now, you will definitely be able to get lower rates using the concepts you’re about to learn. But Texas drivers benefit from understanding how insurance companies market insurance on the web.
To find the best auto insurance rates, there are several ways of comparing rate quotes from all the different companies. The simplest method to do a complete rate comparison consists of obtaining rate quotes online. Keep in mind that making a lot of price comparisons helps you find a better price.
The car insurance companies shown below are our best choices to provide price comparisons in Texas. If multiple companies are listed, we suggest you visit as many as you can to find the most affordable car insurance rates.
El Paso insurance discounts for an Acura ZDX
Companies offering auto insurance don’t always advertise their entire list of discounts in an easy-to-find place, so the list below contains a few of the more common as well as some of the hidden discounts you could be receiving when you buy El Paso car insurance online.
- Memberships – Joining certain professional organizations can get you a small discount on your bill.
- Anti-lock Brake System – Cars with ABS braking systems or traction control have fewer accidents and earn discounts up to 10%.
- Seat Belts Save – Buckling up and requiring all passengers to buckle up before driving can save a little off the medical payments premium.
- Telematics Discount – Insureds who allow their company to spy on driving patterns remotely such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they have good driving habits.
- Discounts for New Vehicles – Insuring a new ZDX can save you some money because new vehicles keep occupants safer.
- Bundle and Save – If you combine your home and auto policies with one insurance company you could earn a discount of up to 20% and get you inexpensive Acura ZDX insurance in El Paso.
- Pay Upfront and Save – If you can afford to pay the entire bill instead of paying each month you could save 5% or more.
- Theft Deterrent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and will save you 10% or more on ZDX insurance in El Paso.
You can save money using discounts, but most discount credits are not given to the entire cost. Most only apply to individual premiums such as comprehensive or collision. Even though it appears you can get free auto insurance, it just doesn’t work that way. But all discounts will positively reduce the amount you have to pay.
The example below shows the comparison of Acura ZDX yearly insurance costs with and without discounts applied to the policy premium. The data is based on a female driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, homeowner, safe-driver, and marriage discounts applied.
To see a list of insurers who offer auto insurance discounts in Texas, click here to view.
Insurance coverage details
The premium table shown below highlights a range of policy rates for Acura ZDX models. Having a good grasp of how car insurance premiums are formulated is important for drivers to make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $390 | $788 | $430 | $26 | $128 | $1,762 | $147 |
| ZDX AWD | $390 | $788 | $430 | $26 | $128 | $1,762 | $147 |
| ZDX Advance Package AWD | $390 | $890 | $430 | $26 | $128 | $1,864 | $155 |
| 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 Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in vehicle location which can raise or lower premium rates substantially.
The example below illustrates how your deductible choice and can raise or lower Acura ZDX insurance prices for different categories of driver ages. The prices are based on a single female driver, full physical damage coverage, and no other discounts are factored in.
Rate comparison of full coverage and liability-only
The chart below compares Acura ZDX insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no claims or driving violations, $1,000 deductibles, single status, and no other discounts are factored in.
Should you pay for full coverage?
There isn’t a written rule of when to stop paying for physical damage coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s say your Acura ZDX book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after paying your deductible. If you are paying in excess of $500 a year for physical damage coverage, then you might consider buying liability only.
There are some conditions where removing full coverage is not recommended. If you still owe money on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
Comparing prices from local El Paso insurance agencies
Some people still prefer to have an agent’s advice. The biggest benefit of getting free rate quotes online is you can get better rates and still buy from a local agent. Buying from and supporting local insurance agents is definitely important in El Paso.
After filling out this quick form, the coverage information is instantly submitted to insurance agents in El Paso who want to provide quotes to get your business. There is no need to leave your computer due to the fact that quote results will go instantly to you. You can find lower rates and work with a local agent. If you have a need to get a rate quote from a specific company, feel free to jump over to their website to submit a rate quote request.
When narrowing the list to find a reliable agent, there are a couple of types of insurance agents and how they are slightly different. Insurance agencies in El Paso may be either independent agents or exclusive agents.
Independent Agents (or Brokers)
Agents of this type do not have single company limitations so they have the ability to put coverage through many different car insurance companies and get you the best rates possible. If they find a lower price, the agent simply finds a different carrier and you stay with the same agent.
When comparing car insurance rates, you should always compare prices from a couple of independent agencies to ensure the widest selection of prices. Most have the option of insuring with smaller regional carriers which may have better rates.
Featured below is a small list of independent insurance agencies in El Paso that may be able to provide cheap rate quotes.
- Tony Ramos Insurance
7230 Gateway Blvd E H – El Paso, TX 79915 – (915) 599-1678 – View Map - RedRock Insurance Agency
1029 N Zaragoza Rd A – El Paso, TX 79907 – (915) 858-1400 – View Map - Omega Insurance Agency
1580 George Dieter Dr #303 – El Paso, TX 79936 – (915) 856-6700 – View Map
Exclusive Agents
Agents that elect to be exclusive can only place business with one company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents cannot compare rates from other companies so always compare other rates. Exclusive agencies are well trained on what they offer which helps offset the inability to provide other markets. Many people buy from the same agent for years mostly because of the brand name and the convenience of having a single billing for all their coverages.
Shown below are El Paso exclusive insurance agencies willing to provide comparison quotes.
- Allstate Insurance: John Choi
8500 Dyer St Ste 7 – El Paso, TX 79904 – (915) 755-2201 – View Map - Rafael Martinez – State Farm Insurance Agent
7211 N Mesa St #2w – El Paso, TX 79912 – (915) 581-3276 – View Map - Sandra Serna – State Farm Insurance Agent
10965 Ben Crenshaw, Ste D3 – El Paso, TX 79935 – (915) 591-0727 – View Map
Finding the right auto insurance agent requires you to look at more than just the premium amount. The following questions are important to ask.
- Do the coverages you’re quoting properly cover your vehicle?
- If you have an accident, will your rates go up?
- Which members of your family are coverage by the policy?
- Will they give you a referral list?
- Who are their largest clients?
- Can they help ensure a fair claim settlement?
- Are claims handled at the agent’s location?
Four factors that affect insurance prices
Many factors are part of the calculation when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but other factors are more transparent such as your marital status or your vehicle rating.
- Do you really need to file those auto insurance claims? – If you’re an insured who likes to file claims you can expect either higher rates or even cancellation. Companies in Texas provide the best rates to drivers who are not frequent claim filers. Auto insurance is designed for the large, substantial claims.
- Vehicles with better crash test results cost less to insure – Cars with five star safety ratings tend to be cheaper to insure. The safest vehicles have better occupant injury protection and any reduction in injury severity translates directly to fewer claims and lower rates for you.
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Insurance prices and driver gender – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean females are better drivers. Both genders cause accidents at about the same rate, but guys cause more damage. Men also tend to have more aggressive citations such as DWI and reckless driving.
The information below compares Acura ZDX annual premium costs for male and female drivers. The costs are based on a clean driving record, no claims, full coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
- Lower miles equals lower premium – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. A lot of companies apply a rate based on their usage. Autos left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your vehicle rating is showing the proper vehicle usage, because improper ratings can cost you money. Having an incorrect usage rating on your ZDX is just wasting money.
Three reasons to not skimp on insurance
Despite the high insurance cost for a Acura ZDX in El Paso, insurance is required in Texas but it also protects you in many ways.
- Most states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability insurance coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Acura ZDX, most lenders will make it mandatory that you carry insurance to guarantee payment of the loan. If you do not pay your insurance premiums, the lender may insure your Acura at an extremely high rate and require you to pay the higher price.
- Insurance protects both your Acura and your assets. It also can pay for medical bills that are the result of an accident. As part of your policy, liability insurance will also pay attorney fees if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of having insurance are without a doubt worth the cost, especially if you ever need it. But the average American driver is wasting up to $865 each year so compare rates at every renewal to be sure current rates are still competitive.
Get the best coverage at the best price
People leave their current company for many reasons like policy cancellation, questionable increases in premium, not issuing a premium refund or even high prices. Regardless of your reason, switching car insurance companies can be pretty painless.
When getting El Paso car insurance quotes online, it’s very important that you do not reduce coverage to reduce premium. In many cases, an insured dropped uninsured motorist or liability limits only to discover later they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at the best cost, not the least amount of coverage.
In this article, we covered quite a bit of information on how to find affordable Acura ZDX insurance in El Paso. The key thing to remember is the more times you quote, the higher your chance of finding affordable El Paso car insurance quotes. You may even find the lowest priced car insurance comes from some of the smallest insurance companies.
Steps to finding cheaper Acura ZDX insurance in El Paso
It takes a few minutes, but the best way to get more affordable Acura ZDX insurance is to compare quotes once a year from insurance carriers in El Paso. Rate comparisons can be done by following these steps.
First, get an understanding of individual coverages and the factors you can control to keep rates in check. Many things that drive up the price such as at-fault accidents, careless driving, and a lousy credit rating can be improved by paying attention to minor details.
Second, compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like GEICO or Allstate, while independent agents can quote rates for many different companies.
Third, compare the new rate quotes to your existing policy and see if there is a cheaper rate in El Paso. If you find a lower rate quote and make a switch, verify that coverage does not lapse between policies.
A valuable tip to remember is to make sure you enter similar limits and deductibles on each quote and and to get price quotes from as many companies as feasibly possible. Doing this enables a fair price comparison and a complete selection of prices.
Other information
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Child Safety Seats (Insurance Information Institute)
- Smart Auto Insurance Tips (Insurance Information Institute)