Insurance for Acura ZDXLocating better insurance prices for your Acura ZDX in Indiana can be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to buy insurance so you're going to learn the quickest way to get price quotes for a new or used Acura and find the cheapest rates.

It's a good habit to quote other rates once or twice a year because insurance prices fluctuate regularly. Just because you found the best deal on Acura ZDX insurance in Evansville last year there may be better deals available now. Ignore everything you know about insurance because I'm going to teach you one of the best ways to reduce your cost while increasing coverage.

Locating the best rates in Evansville is not that difficult as long as you know where to start. If you have coverage now or are looking for a new policy, you can use these tips to cut your premiums without sacrificing coverage. Drivers just need to understand the most time-saving way to shop from many different companies online.

Best Acura ZDX insurance price quotes in Indiana

The following companies offer free quotes in Indiana. If multiple providers are shown, we suggest you compare several of them in order to get a fair rate comparison.

Acura ZDX Insurance Price Estimates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $334 $592 $280 $16 $84 $1,306 $109
ZDX AWD $288 $560 $364 $22 $110 $1,344 $112
ZDX Advance Package AWD $206 $434 $380 $22 $114 $1,156 $96
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Price information does not factor in specific Evansville garaging location which can alter price quotes greatly.

Higher deductibles lower rates

The illustration below demonstrates how deductibles and can change Acura ZDX yearly insurance costs for different ages of insureds. The data is based on a single female driver, full physical damage coverage, and no policy discounts are applied.

Male drivers versus female drivers

The chart below visualizes the comparison of Acura ZDX auto insurance rates for male and female drivers. The costs are based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.

Comparison of full coverage and liability-only policies

The information below examines Acura ZDX auto insurance rates with and without physical damage coverage. The information is based on a clean driving record, no claims, $1,000 deductibles, single male driver, and no additional discounts are factored in.

When to stop buying physical damage coverage

There is no definitive rule for phasing out full coverage, but there is a broad guideline. If the annual cost of coverage is more than around 10% of the vehicle's replacement cost less your deductible, then you might consider buying liability only.

For example, let's pretend your Acura ZDX replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after paying your policy deductible. If it's costing you more than $700 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where eliminating full coverage is not advised. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Cheaper Evansville car insurance rates with discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts to cut the cost considerably. A few discounts will automatically apply at the time of quoting, but a few need to be specifically requested before they will apply.Car insurance discounts

Keep in mind that some of the credits will not apply the the whole policy. Some only reduce individual premiums such as comprehensive or collision. Even though the math looks like adding up those discounts means a free policy, company stockholders wouldn't be very happy.

To locate car insurance companies that offer discounts in Indiana, click here.

Insurance can be complex

When choosing insurance from an agent or online, there really isn't a "best" method to buy coverage. Your needs are unique to you and your insurance should unique, too.Safe vehicles cost less to insure For example, these questions may help you determine if you may require specific advice.

If you're not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It's fast, free and can provide invaluable advice.

Car insurance is available from agents near you

Some consumers would prefer to talk to a local agent and that is OK! Insurance agents can help determine the best coverages and give you someone to call. A good thing about comparing rates online is the fact that drivers can get the best rates and also buy local.

Find insurance agent in EvansvilleOnce you complete this short form, your insurance coverage information is transmitted to local insurance agents in Evansville that give free quotes for your car insurance coverage. It makes it easy because there is no need to contact any agents due to the fact that quote results will go to you instantly. If you want to compare rates from a specific insurance company, you just need to go to their quote page to submit a rate quote request.

Picking an insurance company requires more thought than just a cheap price quote. Any agent in Evansville should have no problem answering these questions:

If you need to find a local Evansville insurance agency, it can be helpful to understand the different types of agencies and how they work. Agents in Evansville can either be independent agents or exclusive agents depending on their employer. Both types can handle car insurance, but it's a good idea to understand the difference in the companies they write for because it may have an impact on which type of agent you select.

Exclusive Agencies

Agents of this type are contracted to one company such as Allstate, AAA, Farmers Insurance, and State Farm. These agents are not able to compare rates from other companies so keep that in mind. Exclusive agents are well trained on the products they sell which helps them compete with independent agents. Consumers often buy from exclusive agents mostly because of the brand name rather than low rates.

Shown below are exclusive agencies in Evansville willing to provide price quotes.

More Evansville agents

Independent Car Insurance Agents

Agents that choose to be independent do not have single company limitations so they can insure your vehicles with lots of companies depending on which coverage is best. If you are not satisfied with one company, they simply move your policy to a different company which makes it simple for you. When comparing rate quotes, you will definitely want to get several quotes from a couple of independent agencies so that you have a good selection of quotes to compare. Many write coverage with different regional companies that may provide cheaper car insurance rates.

The following is a short list of independent insurance agencies in Evansville who can help you get comparison quotes.

More Evansville agents

After you get satisfactory answers for all questions you ask as well as a price you're happy with, you've probably found an auto insurance agent that meets the requirements to properly insure your vehicles. Just understand that it's your policy and you can terminate coverage when you choose so never feel that you're stuck with a specific agent for any length of time.

Insurance coverage considerations

Having a good grasp of insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.

Comprehensive protection

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, a broken windshield and damage from getting keyed. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Acura ZDX.

Since a lot of drivers carry very low liability coverage limits (which is 25/50/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses like ambulance fees, doctor visits and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Coverage for collisions

This coverage pays for damage to your ZDX caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like backing into a parked car, scraping a guard rail, rolling your car, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible on your ZDX to bring the cost down.


Liability coverage protects you from damage that occurs to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/10 that means you have $25,000 in coverage for each person's injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property.

Liability coverage pays for things such as structural damage, pain and suffering, attorney fees and emergency aid. How much coverage you buy is up to you, but it's cheap coverage so purchase as high a limit as you can afford. Indiana state minimum liability requirements are 25/50/10 but drivers should carry better liability coverage.

Cheaper auto insurance prices are available

Lower-priced auto insurance in Evansville is definitely available both online as well as from independent agents in Evansville, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not offer internet price quotes and these regional carriers sell through independent insurance agencies.

You just read some good ideas how to shop for Acura ZDX insurance online. It's most important to understand that the more times you quote, the better likelihood of getting the cheapest Acura ZDX rate quotes. Consumers may even find the biggest savings come from a small local company. Regional companies can often provide lower rates in certain areas than their larger competitors like Progressive and GEICO.

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