How to Save on Acura ZDX Insurance in Boston

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Discount Acura ZDX insuranceIf saving the most money is your goal, then the best way to find more affordable Acura ZDX insurance is to compare prices regularly from providers in Boston. You can compare rates by completing these steps.

First, get an understanding of how companies price auto insurance and the modifications you can make to prevent high rates. Many factors that are responsible for high rates such as accidents, traffic violations, and poor credit history can be remedied by being financially responsible and driving safely. Continue reading for more ideas to get low prices and get bigger discounts that may have been overlooked.

Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like Progressive or State Farm, while agents who are independent can provide rate quotes for a wide range of companies.

Third, compare the new quotes to your existing rates to see if a cheaper price is available in Boston. If you find a better price and change companies, make sure there is no coverage gap between policies.

Fourth, tell your current company to cancel your current car insurance policy and submit the completed application along with a down payment to the new company. Once received, place the new proof of insurance paperwork somewhere easily accessible.

The most important part of shopping around is to use similar deductibles and liability limits on each quote and and to get prices from every insurance company. Doing this helps ensure a fair price comparison and a thorough selection of prices.

We don't have to tell you that auto insurance companies want to keep you from shopping around. Insureds who shop for lower rates are very likely to move their business because they have good chances of finding a policy with better rates. A recent survey found that drivers who routinely shopped around saved as much as $72 a month as compared to drivers who never shopped around for cheaper prices.

If finding the most affordable car insurance in Boston is your target objective, then having a good understanding the best way to quote and compare auto insurance can save money and time.

This information will teach you a little about how to effectively get price quotes and also save some money in the process If you are paying for car insurance now, you will most likely be able to reduce the price you pay using these tips. You just have to understand how to compare rate quotes using one simple form.

The companies shown below provide price quotes in Massachusetts. To find the best cheap auto insurance in Massachusetts, it's a good idea that you click on several of them to find the most affordable auto insurance rates.

Rates and other information

The table displayed below highlights a range of insurance prices for Acura ZDX models. Having insight into how premiums are calculated can assist in making decisions on which coverage to buy.

Acura ZDX Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $252 $372 $438 $26 $132 $1,220 $102
ZDX AWD $252 $372 $438 $26 $132 $1,220 $102
ZDX Advance Package AWD $252 $420 $438 $26 $132 $1,268 $106
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in zip code location which can lower or raise insurance rates significantly.

Analysis of deductible levels

One of the hardest decisions when shopping for auto insurance is how low should you set your deductibles. The premium rates below may help you to understand the differences in premium rates when you select higher and lower coverage deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

Acura ZDX insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $398 $704 $334 $20 $100 $1,581 $132
ZDX AWD $398 $704 $334 $20 $100 $1,581 $132
ZDX Advance Package AWD $398 $798 $334 $20 $100 $1,675 $140
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Acura ZDX insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $292 $476 $334 $20 $100 $1,222 $102
ZDX AWD $292 $476 $334 $20 $100 $1,222 $102
ZDX Advance Package AWD $292 $538 $334 $20 $100 $1,284 $107
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Table data does not factor in specific Boston garaging location which can increase or decrease price quotes greatly.

We can estimate from the data above that using a $100 deductible will cost you about $31 more each month or $372 a year than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 13 months between claim filings, you would most likely save money if you elect the higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $100 deductibles: $135
Average monthly premium for $500 deductibles (subtract): - $104
Monthly savings from raising deductible: $31
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

The information below highlights how deductible selection and can increase or decrease Acura ZDX yearly insurance costs for each age group. The premiums assume a single female driver, full physical damage coverage, and no policy discounts are applied.

Careless driving habits raise auto insurance rates

The information below highlights how traffic violations and accident claims can influence Acura ZDX insurance costs for each different age category. The rate quotes are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

Acura ZDX insurance rates by gender in Boston

The example below shows the comparison of Acura ZDX auto insurance costs for male and female drivers. The rate quotes are based on no accidents or driving violations, full coverage, $250 deductibles, drivers are not married, and no policy discounts are applied.

How Insurers Calculate Acura ZDX Insurance Premiums

Consumers need to have an understanding of some of the things that are used to determine the price you pay for car insurance. If you understand what controls the rates you pay, this helps enable you to make changes that could result in lower car insurance prices. Many different elements are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving history, although some other factors are not as apparent such as your credit history or your commute time.

The itemized list below are some of the things companies use to determine your premiums.

  • Too many insurance claims drive up prices - Auto insurance companies in Massachusetts give better rates to insureds who only file infrequent claims. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is designed for major claims that would cause financial hardship.
  • Lower performance equals lower insurance prices - The performance level of the car, truck or SUV you need to insure makes a substantial difference in the rate you pay. Lower performance four cylinder passenger cars generally have the cheapest insurance rates, but many other things help determine your insurance rates.

    The data below is based on a single female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Acura ZDX car insurance rates compared to other models that have a range of performance rating factors.

  • Deter theft and pay less - Selecting a car model that has an advanced theft prevention system can help lower your premiums. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent vehicle theft.
  • Maintain car insurance coverage - Not having insurance is against the law and you may have a hard time finding new coverage because you let your coverage have a gap. Not only will you pay more, not being able to provide proof of insurance may earn you a steep fine or even jail time.

Three reasons auto insurance is important

Despite the high cost, insurance is most likely required but also gives you several important benefits.

  • Most states have minimum liability requirements which means the state requires a specific minimum amount of liability insurance coverage if you don't want to risk a ticket. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you bought your vehicle with a loan, it's guaranteed your bank will make it mandatory that you have full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the lender may insure your Acura at a more expensive rate and require you to pay the higher price.
  • Insurance protects both your Acura ZDX and your assets. Insurance will pay for many types of medical costs incurred in an accident. Liability coverage, the one required by state law, will also pay attorney fees in the event you are sued. If damage is caused by hail or an accident, your auto insurance policy will pay to repair the damage minus the deductible amount.

The benefits of buying auto insurance are definitely more than the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver is overpaying more than $850 per year so you should quote and compare rates at every renewal to help ensure money is not being wasted.

Best auto insurance company in Boston

Finding the best company is hard considering how many different insurance companies sell coverage in Massachusetts. The ranking data listed below may help you choose which providers to look at comparing rates with.

Top 10 Boston Car Insurance Companies Ranked by Value

  1. The General
  2. The Hartford
  3. Farmers Insurance
  4. Titan Insurance
  5. Mercury Insurance
  6. 21st Century
  7. Safeco Insurance
  8. AAA Insurance
  9. State Farm
  10. Travelers