How to Compare Philadelphia Acura ZDX Insurance

Do you want to learn to get lower-priced Acura ZDX insurance in Philadelphia? Tired of sacrificing other expenses each month for car insurance? You have the same problem as many other people in Pennsylvania.

It’s hard to fathom, but the vast majority of car insurance customers kept their coverage with the same car insurance company for well over three years, and 38% of customers have never shopped around. Philadelphia insurance shoppers can cut their rates by about $690 a year by just comparing quotes, but most just don’t grasp how much savings they would realize if they switch to a new company.

Because there are so many insurance providers from which to choose, it can be hard to locate the lowest price company.

You should take the time to quote other rates before your next renewal because car insurance prices tend to go up over time. If you had the lowest price on Acura ZDX insurance in Philadelphia at your last renewal you can probably find a better rate now. There are a lot of ways to save on ZDX insurance on the web, but in this article, you’re going to get some tested techniques to lower your car insurance premiums.

Acura ZDX insurance quotes comparison

To get cheaper Philadelphia auto insurance quotes, there a variety of ways to compare rate quotes from different Philadelphia insurance companies. The fastest way to lower the rate you pay for Acura ZDX insurance is to jump online and get quotes.

It’s so fast and easy to compare price quotes online that it replaces the need to drive around to all the different Philadelphia insurance agencies. The ability to get quotes online makes this unnecessary unless you have a complicated situation and need the peace of mind that you can only get from talking to an agent. However, consumers can comparison shop your insurance online but have a local agent actually write the policy.

When comparison shopping, comparing more quotes provides better odds of finding the best rates.

The companies in the list below can provide price quotes in Philadelphia, PA. If multiple companies are shown, we suggest you visit several of them to get the cheapest price.

Coverage analysis

The price information displayed below highlights different coverage costs for Acura ZDX models. Learning as much as possible about how auto insurance prices are formulated can be of help when making informed decisions when shopping around for a new policy.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Price information does not factor in your specific Philadelphia location which can modify rates considerably.

Policy deductibles

When shopping for car insurance, a common question is which deductibles should you choose. The following insurance rates can help show the rate fluctuation when you buy lower versus higher physical damage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rates do not factor in vehicle garaging location which can lower or raise premiums considerably.

Based on the above data, using a $250 deductible costs about $17 more each month or $204 annually than requesting the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average at least 15 months between claims, you would save more money if you elect the higher deductible.

How violations and accidents impact rates

The chart below illustrates how violations and at-fault accidents can increase Acura ZDX insurance premiums for each age group. The premiums are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

Full coverage rates vs. liability-only

The information below visualizes the comparison of Acura ZDX insurance costs with full coverage compared to only the Pennsylvania minimum liability coverage. The costs are based on a clean driving record, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are taken into consideration.

When to drop comprehensive and collision coverage

There is no exact formula that is best for determining when to drop physical damage coverage, but there is a general convention. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Acura ZDX claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after paying your policy deductible. If it’s costing you more than $700 annually for your policy with full coverage, then you may need to consider dropping full coverage.

There are some conditions where removing full coverage is not financially feasible. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Insurance in Pennsylvania serves several purposes

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

• Just about all states have mandatory insurance requirements which means you are required to carry specific limits of liability in order to drive the car. In Pennsylvania 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 your Acura has a loan, most banks will make it a condition of the loan that you have full coverage to guarantee loan repayment. If you let the policy lapse, the bank may insure your Acura at a more expensive rate and force you to pay a much higher amount than you were paying before.
• Insurance preserves both your assets and your Acura ZDX. It will also pay for medical expenses for both you and anyone you injure as the result of an accident. Liability coverage will also pay to defend you if you cause an accident and are sued. If your Acura gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of carrying adequate insurance greatly outweigh the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver is wasting up to $825 a year so it’s very important to do a rate comparison at least once a year to help ensure money is not being wasted.

Philadelphia insurance discounts for an Acura ZDX

Some insurance providers don’t always publicize every policy discount very well, so the below list has a few of the more well known as well as the least known ways to save on auto insurance.

• Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn better prices on cars that stay parked.
• Senior Citizen Discount – If you qualify as a senior citizen, you can possibly qualify for lower premium rates.
• Passive Restraints – Factory options such as air bags or motorized seat belts could see savings of up to 25% or more.
• Government Employees – Employees or retirees of the government could provide a small rate reduction with certain companies.
• Professional Memberships – Being in a civic or occupational organization in Philadelphia may earn a discount when getting a Philadelphia auto insurance quote.
• Save with More Vehicles Insured – Buying coverage for multiple cars on the same auto insurance policy can reduce the rates for all insured vehicles.
• Theft Deterrent – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
• Pay Upfront and Save – By making one initial payment instead of making monthly payments you may have a lower total premium amount.
• Philadelphia Homeowners Discount – Being a homeowner can save a few bucks because maintaining a house demonstrates responsibility.
• Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.

Keep in mind that some of the credits will not apply to your bottom line cost. Most cut individual premiums such as collision or personal injury protection. Even though it appears all the discounts add up to a free policy, companies don’t profit that way. Any amount of discount will positively reduce the cost of coverage.

The information below shows the comparison of Acura ZDX car insurance costs with and without discounts being applied to the rates. The costs are based on a female driver, no accidents, no driving violations, Pennsylvania 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 homeowner, claim-free, marriage, safe-driver, multi-policy, and multi-car discounts applied.

Some companies that have some of the discounts shown above possibly include:

• State Farm
• GEICO
• Allstate
• SAFECO
• Farm Bureau
• Progressive
• AAA

Before buying, ask every company which discounts you qualify for. Depending on the company, some discounts may not apply in Philadelphia. For a list of insurers who offer online Acura ZDX insurance quotes in Philadelphia, follow this link.

Insurance agents are professional risk managers

Some consumers still prefer to visit with an insurance agent and that can be a great decision The biggest benefit of comparing insurance prices online is that you can find cheap auto insurance quotes and also buy local.

Once you complete this quick form, your insurance data is submitted to insurance agents in Philadelphia that provide free Philadelphia auto insurance quotes for your business. You don’t have to leave your computer since price quotes are sent to the email address you provide. You can find lower rates without a big time investment. If for some reason you want to compare prices from a specific insurance company, just search and find their rate quote page and fill out the quote form the provide.

Picking an company needs to be determined by more than just a cheap price. The answers to these questions are important, too.

• Does the agency support the community they serve?
• When do they do a full risk review?
• Are there any discounts for paying up front?
• Are they involved in claim handling?
• Can they provide you with a list of referrals?
• Which companies do they recommend if they are an independent agency?
• Does the agent have a valid license to sell insurance in Pennsylvania?

If you prefer to buy auto insurance from local Philadelphia agents, it can be helpful to understand the different agency structures and how they work. Auto insurance agents in Philadelphia are categorized either exclusive or independent.

Exclusive Auto Insurance Agents

Agents that elect to be exclusive can only place business with one company and examples are Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide rate quotes from other companies so you might not find the best rates. Exclusive agencies are usually well trained on what they offer and that allows them to sell at a higher price point.

The following is a list of exclusive insurance agencies in Philadelphia willing to provide rate quotes.

View more Philadelphia agents

Independent Agencies or Brokers

Independent agents often have many company appointments and that allows them to write policies amongst many companies and find the cheapest rate. If your agent finds better pricing, an independent agent can move your coverage and the insured can keep the same agent. When comparing rate quotes, we highly recommend that you get some free quotes from a few independent agents to have the best price comparison.

Below are independent insurance agents in Philadelphia who can help you get price quote information.

View more Philadelphia agents

What insurance coverages do you need?

Understanding the coverages of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types offered by insurance companies.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, hitting a parking meter, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible on your ZDX to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like doctor visits, nursing services, pain medications, surgery and hospital visits. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a deer, a broken windshield, hitting a bird, damage from a tornado or hurricane and rock chips in glass. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Acura ZDX.

Because many people only carry the minimum required liability limits (15/30/5), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Liability coverages

This coverage can cover injuries or damage you cause to a person or their property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 15/30/5 that means you have $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property.

Liability insurance covers things like loss of income, pain and suffering, attorney fees and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford. Pennsylvania requires minimum liability limits of 15/30/5 but you should consider buying better liability coverage.

The illustration below demonstrates why minimum state limits may not be adequate.

Auto insurance savings summarized

As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. In too many instances, an insured cut comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your aim should be to purchase plenty of coverage at a price you can afford, but do not sacrifice coverage to save money.

There are still a few companies who may not provide online quoting and usually these regional insurance providers sell through independent insurance agents. Cheaper auto insurance in Philadelphia is available online and with local Philadelphia insurance agents, so you need to compare both in order to have the best chance of saving money.

More information is located on the following sites:

• Auto Theft Statistics (Insurance Information Institute)
• How Much is Philadelphia Auto Insurance for Drivers Requiring a SR22? (FAQ)
• Who Has the Cheapest Auto Insurance for Good Drivers in Philadelphia? (FAQ)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)