How many times have you told yourself it’s time to shop around for cheaper Acura ZDX insurance in Charlotte? There isn’t a single person who likes paying for auto insurance, especially when they know they could find better rates elsewhere.
Shockingly, a large majority of drivers have been with the same company for well over three years, and just under half have never compared auto insurance rates at all. Charlotte drivers could save themselves 10% a year just by shopping around, but they underestimate the amount of savings they would get if they swap their current policy for a cheaper one.
How to save on Acura ZDX insurance in Charlotte
The best way to save on Acura ZDX insurance is to start doing an annual price comparison from insurers in Charlotte.
- First, learn about how your policy works and the measures you can control to prevent expensive coverage. Many things that drive up the price like traffic citations and a poor credit score can be rectified by making minor changes to your lifestyle.
- Second, request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive and State Farm, while agents who are independent can provide rate quotes from multiple sources. Click to view companies
- Third, compare the quotes to your current policy and determine if there is any savings. If you find a lower rate and buy the policy, ensure coverage does not lapse between policies.
- Fourth, give proper notification to your current agent or company of your decision to cancel your current coverage and submit payment and a completed application to your new carrier. As soon as coverage is bound, keep your new certificate verifying proof of insurance along with the vehicle’s registration papers.
A good piece of advice is to use similar deductibles and liability limits on every quote request and and to get quotes from as many carriers as you can. This ensures the most accurate price comparison and the most accurate and complete price analysis.
Due to the increasing number of different company options, it’s nearly impossible to locate the best insurance company.
The are a couple different ways to compare prices from local Charlotte insurance companies. The easiest way to find competitive Acura ZDX insurance rates is to get quotes online.
It’s so easy to compare quotes online that it takes the place of having to go to local Charlotte insurance agencies. The fact that you can get quotes online eliminates the need for an insurance agent unless you prefer the advice and guidance of a local Charlotte agent. However, consumers can get the lowest quotes online but have your policy serviced through an agent.
Just remember that having more price comparisons helps improve the odds of finding lower pricing. Some smaller insurers do not give online rate quotes, so you should also compare quotes on coverage from those companies, too.
The companies shown below are ready to provide free rate quotes in Charlotte, NC. If you want cheap auto insurance in North Carolina, it’s a good idea that you visit as many as you can to get the best price comparison.
Acura ZDX insurance discounts in Charlotte
Not too many consumers would say auto insurance is affordable, but there are discounts available that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be requested specifically before you will receive the discount. If you aren’t receiving every discount available, you could be saving more on your auto insurance.
- Pay Early and Save – If you can afford to pay the entire bill rather than paying monthly you can actually save on your bill.
- Accident Waiver – This isn’t a discount exactly, but some companies like GEICO, Progressive, and Allstate permit an accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
- Defensive Driving Course – Participating in a class that teaches defensive driving techniques may get you a small discount and easily recoup the cost of the course.
- Paperwork-free – Many larger companies may give you up to $50 for buying a policy and signing up over the internet.
- Discounts for Cautious Drivers – Drivers who don’t get into accidents could pay up to 40% less as compared to drivers with claims.
- New Car Discount – Buying insurance on a new vehicle can save you some money since new vehicles are generally safer.
- Auto/Home Discount – If you can bundle your auto and homeowners insurance and insure them with the same company you may save 10% to 20% off each policy.
- Distant Student Discount – Kids living away from Charlotte attending college without a vehicle on campus could qualify for this discount.
- Life Insurance – Not all insurance companies offer life insurance, but some may give you better prices if you take out some life insurance in addition to your auto policy.
Consumers should know that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.
The illustration below illustrates the difference between Acura ZDX insurance costs with and without discounts applied to the policy rates. The data is based on a female driver, no claims, a clean driving record, North Carolina state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, homeowner, multi-car, and multi-policy discounts applied.
Large auto insurance companies and some of the premium reductions they offer include:
- Progressive has discounts for good student, multi-policy, online signing, continuous coverage, online quote discount, and homeowner.
- GEICO offers premium reductions for defensive driver, military active duty, emergency military deployment, anti-theft, multi-vehicle, and driver training.
- State Farm may include discounts for student away at school, safe vehicle, anti-theft, driver’s education, multiple policy, passive restraint, and Steer Clear safe driver discount.
- Esurance may have discounts that include anti-lock brakes, good driver, Pac-12 alumni, anti-theft, online shopper, and online quote.
- The Hartford may offer discounts for defensive driver, vehicle fuel type, bundle, good student, and driver training.
When getting a coverage quote, ask every insurance company what discounts are available to you. Some discounts might not be available to policyholders in Charlotte.
Rates and detailed analysis
The price information shown below covers estimates of policy rates for Acura ZDX models. Learning as much as possible about how car insurance premiums are established can help guide drivers when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $262 | $506 | $302 | $18 | $90 | $1,178 | $98 |
| ZDX AWD | $262 | $506 | $302 | $18 | $90 | $1,178 | $98 |
| ZDX Advance Package AWD | $262 | $572 | $302 | $18 | $90 | $1,244 | $104 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in your specific Charlotte location which can alter prices significantly.
Deductible comparison
When buying car insurance, a common question is which deductible level should you buy. The comparisons below determine the differences in premium rates between low and high comp and collision deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $266 | $440 | $250 | $14 | $74 | $1,069 | $89 |
| ZDX AWD | $266 | $440 | $250 | $14 | $74 | $1,069 | $89 |
| ZDX Advance Package AWD | $266 | $498 | $250 | $14 | $74 | $1,127 | $94 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $164 | $276 | $250 | $14 | $74 | $778 | $65 |
| ZDX AWD | $164 | $276 | $250 | $14 | $74 | $778 | $65 |
| ZDX Advance Package AWD | $164 | $314 | $250 | $14 | $74 | $816 | $68 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Information does not factor in specific location information which can modify coverage rates significantly.
Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $25 more each month or $300 annually than buying the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 30 months between claim filings, you would probably be better off by going with a higher deductible. The numbers below show how this decision is made.
| Average monthly premium for $250 deductibles: | $91 |
| Average monthly premium for $1,000 deductibles (subtract): | – $66 |
| Monthly savings from raising deductible: | $25 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $25 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 30 months |
Age, gender, and Acura ZDX insurance
The diagram below compares Acura ZDX insurance prices for male and female drivers. The rate quotes are based on a clean driving record, no claims, full coverage, $1,000 deductibles, single status, and no policy discounts are applied.
Rate comparison of full coverage and liability-only
The diagram below visualizes the comparison of Acura ZDX car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes a clean driving record, no claims, $250 deductibles, single status, and no additional discounts are factored in.
Should you be buying full coverage?
There is no definitive rule for excluding full coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s assume your Acura ZDX book value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $3,000 after the policy deductible has been paid. If you are currently paying more than $300 annually for full coverage, then you might want to consider buying only liability coverage.
There are a few situations where eliminating full coverage is not advised. If you still owe a portion of the original loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.
Auto insurance is available from local agents
Certain consumers prefer to get advice from a local agent and there is nothing wrong with that. One of the great benefits of price shopping on the web is that drivers can save money and get cheap rate quotes but still work with a licensed agent.
After completing this form (opens in new window), your insurance data gets sent to insurance agents in Charlotte who can give free rate quotes for your auto insurance coverage. There is no need to search for an agent because quoted prices will be sent to your email. You can most likely find cheaper rates without a big time investment. In the event you want to quote rates from a specific insurance company, feel free to find their quoting web page and fill out their quote form.
Picking the best provider requires you to look at more than just a low price. Some important questions to ask are:
- What insurance companies do they recommend if they are an independent agent?
- Are they paid to recommend certain coverages?
- Do they feel the quoted coverages are adequate?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Does the agency have a current Errors and Omissions policy?
- How would your car be valued if totaled?
Car insurance can be complex
When it comes to buying the best car insurance coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.
Here are some questions about coverages that could help you determine if your insurance needs might need an agent’s assistance.
- Why am I required to buy liability insurance?
- Does insurance cover tools stolen from my truck?
- How can I get the company to pay a claim?
- Can I get by with minimal medical coverage if I have good health insurance?
- Why am I required to buy high-risk coverage?
- Does coverage extend to Mexico or Canada?
- When should my teen driver be added to my policy?
- Is my Acura ZDX covered for smoke damage?
- Am I covered when driving on a suspended license?
If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form.
What Determines Acura ZDX Insurance Costs?
Many factors are part of the equation when quoting car insurance. Some factors are common sense like an MVR report, but others are less apparent such as your credit history or your financial responsibility.
Location can impact price – Being located in less populated areas is a positive aspect when trying to find low car insurance rates. Fewer drivers on the road means fewer accidents and lower theft and vandalism rates. City drivers tend to have more traffic problems and longer commutes to work. More time on the road means a statistically higher chance of an accident.
Cautious drivers pay less – A bad driving record has a huge affect on how much you pay. Drivers who don’t get tickets pay less for auto insurance than bad drivers. Only having one ticket could increase your next policy renewal to the point where it’s not affordable. Drivers who have license-revoking tickets like DUI or willful reckless driving may need to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to prevent their license from being revoked.
The illustration below shows how traffic citations and at-fault collisions raise Acura ZDX insurance prices for different insured age categories. The rate quotes are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.
More performance means more cost – The performance of the vehicle you are buying insurance for makes a big difference in your auto insurance rates. The most favorable rates will normally be found when insuring the lowest performance passenger cars, but that’s not the only thing that factors into the final price.
The following chart assumes a married female driver age 50, full coverage with $100 deductibles, and no discounts or violations. It compares Acura ZDX insurance rates compared to other vehicles that have a range of performances.
Job impacts prices – Careers such as real estate brokers, social workers, and medical professionals generally pay the highest average rates because of intense work situations and lengthy work days. On the flip side, careers like farmers, engineers and homemakers pay the least.
Put fewer miles on your vehicle – The higher the mileage driven each year the more you’ll pay to insure your vehicle. A lot of insurance companies apply a rate based on how the vehicle is used. Autos used primarily for pleasure use can get a lower rate than those that get driven frequently. Incorrect rating for your ZDX may be costing you. It’s always a good idea to double check that your insurance declarations sheet states annual mileage, because improper ratings can cost you money.
Insurance rates for married couples – Having a spouse may earn you lower rates on your insurance policy. It usually means you are more mature and it’s statistically proven that drivers who are married file infrequent claims.
Save money by having good credit – A driver’s credit history will be a significant factor in calculating your insurance rates. Consumers who have high credit ratings tend to be more responsible and file fewer claims than drivers who have bad credit. If your credit rating can be improved, you may save money insuring your Acura ZDX if you improve your credit rating.
Why do I need car insurance?
Despite the fact that auto insurance is not cheap in Charlotte, auto insurance is a good idea for several reasons.
- Almost all states have mandatory insurance requirements which means the state requires a specific level of liability in order to drive the car legally. In North Carolina 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 ZDX, most banks will force you to have comprehensive coverage to guarantee loan repayment. If you let the policy lapse, the bank or lender will purchase a policy for your Acura for a much higher rate and force you to reimburse them the higher premium.
- Auto insurance protects your car and your assets. It also can pay for hospital and medical expenses incurred in an accident. Liability coverage will also pay for a defense attorney in the event you are sued. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance definitely exceed the cost, particularly for liability claims. But the average American driver is wasting up to $850 per year so compare rates at least once a year to save money.
Be persistent and save
Some car insurance companies may not provide rates over the internet and most of the time these regional insurance providers sell through independent insurance agencies. Low-cost Acura ZDX insurance in Charlotte can be bought on the web as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.
When trying to cut insurance costs, don’t be tempted to reduce coverage to reduce premium. In many instances, consumers will sacrifice full coverage and learned later they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find for the lowest cost while still protecting your assets.
People change insurance companies for many reasons like delays in responding to claim requests, policy cancellation, being labeled a high risk driver or questionable increases in premium. No matter why you want to switch, finding the right car insurance provider is not as hard as you think.
Steps to finding lower priced Acura ZDX insurance in Charlotte
The preferred way to find discount auto insurance rates in Charlotte is to compare prices annually from insurers who provide car insurance in North Carolina.
Step 1: Take a few minutes and learn about the different coverages in a policy and the things you can change to drop your rates. Many things that result in higher rates like at-fault accidents, speeding tickets, and an unacceptable credit rating can be controlled by making lifestyle changes or driving safer.
Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like Progressive or State Farm, while independent agents can quote prices for many different companies.
Step 3: 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 find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Notify your current company of your decision to cancel your current coverage. Submit payment along with a signed and completed policy application for your new coverage. Immediately put the proof of insurance certificate in your vehicle’s glove compartment or console.
A good piece of advice is to try to compare the same coverage limits and deductibles on each quote request and and to get quotes from as many companies as feasibly possible. Doing this guarantees the most accurate price comparison and a complete price analysis.
Other resources
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Which Company has the Cheapest Auto Insurance in Charlotte, NC? (FAQ)
- Who Has Cheap Auto Insurance Rates for Low Mileage Drivers in Charlotte? (FAQ)
- Credit Impacts Car Insurance Rates (State Farm)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Crash Avoidance Technologies FAQ (iihs.org)