Car Insurance Quotes for an Acura ZDX in Denver

How long has it been since you sat down and looked for more affordable car insurance rates in Denver, CO? Denver buyers have options when searching for affordable Acura ZDX insurance. You can either waste hours struggling with agents to get rate comparisons or leverage the internet to compare rates. There is a better way to compare car insurance rates so we’re going to tell you the best way to get price quotes on a Acura and get the cheapest rates from Denver insurance agents and online providers.

Best companies for cheap Acura ZDX insurance in Colorado

The car insurance companies shown below are ready to provide comparison quotes in Denver, CO. If multiple companies are listed, we suggest you compare several of them to find the most competitive car insurance rates.

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Information does not factor in vehicle location which can alter prices considerably.

Impact of speeding/accidents on car insurance rates

The diagram below demonstrates how citations and accidents can impact Acura ZDX annual premium costs for different age categories. The prices are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Car insurance deductibles

One common question asked by Denver drivers is how high or low should comp and collision deductibles be. The following insurance rates sum up the cost difference between high and low coverage deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second data table uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Prices do not factor in specific location information which can change coverage rates considerably.

We can derive from the above data that using a $250 deductible will cost you roughly $34 more each month or $408 annually than choosing the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 22 months between claim filings, you would most likely save money by selecting a higher deductible.

Physical damage deductibles

The chart below shows how choosing a deductible and can influence Acura ZDX annual premium costs for each age group. The data is based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

Earn discounts on Denver insurance

Insurance can be pricey, but there could be available discounts to help bring down the price. Most are applied when you quote, but lesser-known reductions have to be asked for before being credited. If you check and find you aren’t receiving every discount you qualify for, you are paying more than you should be.

• Safety Restraint Discount – Drivers who require all occupants to fasten their seat belts can save a little on the medical payments or PIP coverage costs.
• Defensive Driver Discount – Participating in a driver safety course can save you 5% or more if your company offers it.
• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
• Low Mileage Discounts – Driving less can earn discounted rates on garaged vehicles.
• Bundled Policy Discount – When you have multiple policies and insure them with the same company you may save 10% to 20% off each policy.
• Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.
• Discounts for Multiple Vehicles – Buying a policy with more than one vehicle on one policy could earn a price break for each car.
• Accident-Free Discounts – Drivers who don’t have accidents have much lower rates in comparison with insureds who have frequent claims or accidents.

A quick disclaimer, some credits don’t apply to all coverage premiums. Most only cut the cost of specific coverages such as comp or med pay. So even though you would think all those discounts means the company will pay you, companies wouldn’t make money that way.

The best insurance companies and the discounts they provide are outlined below.

• Mercury Insurance discounts include good student, good driver, type of vehicle, low natural disaster claims, and multi-policy.
• Farmers Insurance may include discounts for switch companies, distant student, teen driver, business and professional, and homeowner.
• Farm Bureau offers discounts for multi-vehicle, good student, 55 and retired, safe driver, youthful driver, and driver training.
• State Farm may have discounts that include passive restraint, Drive Safe & Save, defensive driving training, multiple policy, and safe vehicle.
• Allstate may offer discounts for auto/life discount, FullPay discount, senior citizen, resident student, utility vehicle, and defensive driver.
• GEICO includes discounts for daytime running lights, anti-lock brakes, emergency military deployment, federal employee, anti-theft, and five-year accident-free.

Check with each company which discounts you may be entitled to. Some discounts listed above might not be offered on policies in Denver.

What Determines Acura ZDX Insurance Costs?

A large part of saving on auto insurance is knowing the different types of things that go into determining your premiums. If you understand what determines base rates, this allows you to make educated decisions that can earn you big savings. Lots of factors are part of the equation when pricing auto insurance. Some of the criteria are obvious like your driving record, but others are not quite as obvious like your continuous coverage or how financially stable you are.

• The type of car makes a difference – The type of car, truck or SUV you need to insure makes a substantial difference in your premium level. Because the Acura ZDX is a crossover, rates will be slightly more than the average rate where you live in Denver. Lower performance four cylinder passenger models usually are quite affordable to insure, but there are many factors that impact the final cost.
• Bad credit hurts insurance rates – Having a bad credit history can be a huge factor in determining your rates. So if your credit could use some work, you could be paying less to insure your Acura ZDX by improving your rating. People with high credit scores tend to be better drivers and file fewer claims than drivers with poor credit scores.
• Car plus home equals more savings – Some insurance companies will give lower prices to policyholders that have more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even though this discount sounds good, consumers should still shop around to confirm you are receiving the best rates possible.
• Expect high rates for teens – Drivers with little experience have a tendency to be inattentive behind the wheel so auto insurance rates are higher. Older people are more cautious drivers, cause fewer claims and accidents, and receive fewer citations.
• Pleasure use saves money – The more miles you rack up on your Acura in a year the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based upon how the vehicle is primarily used. Cars left parked in the garage can be on a lower rate level than cars that get driven a lot. It’s always a good idea to double check that your auto insurance policy reflects the correct usage. Having the wrong rating on your ZDX may be wasting your money.
• Cut rates and deter theft – Purchasing a vehicle with advanced anti-theft systems can get you a discount on your auto insurance. Systems that thwart thieves like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent vehicle theft.
• Certain employers pay higher rates – Do you work in a high-stress field? Careers such as lawyers, business owners and financial analysts have higher rates than average due to high stress and lengthy work days. Other careers like actors, engineers and homemakers pay lower than average rates.
• Defend yourself with liability insurance – Liability coverage kicks in if ever you are found liable for causing damage or personal injury in an accident. It will provide legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.

Which policy gives me the best coverage?

When it comes to choosing the best car insurance coverage, there really isn’t a best way to insure your cars. Your needs are not the same as everyone else’s and your car insurance should be unique as well.
For example, these questions can help discover whether your personal situation might need professional guidance.

• Why am I be forced to buy a membership to get insurance from some companies?
• How high should deductibles be on a Acura ZDX?
• Exactly who is provided coverage by my policy?
• Are my friends covered when driving my Acura ZDX?
• Are rental cars covered under my policy?
• Is water damage covered by my policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance agents can help

Many people still like to get professional advice from a licensed agent and that is a smart decision Most agents can help you build your policy and help you file claims. One of the benefits of comparing rate quotes online is you may find cheaper premium rates and still have an agent to talk to.

After completing this simple form, your information is submitted to companies in Denver who want to provide quotes for your business. There is no reason to contact any agents since rate quotes are delivered to you instantly. If for some reason you want to quote rates from a specific insurance company, you can always find their quoting web page and submit a quote form there.

Finding a good company should depend on more than just a cheap price quote. These are some valid questions you should ask.

• Do they see any coverage gaps in your plan?
• How are claims handled?
• What discounts might you be missing?
• Is the agency active in community causes in Denver?
• What will you get paid if your car is a total loss? How is that amount determined?
• Are they able to provide referrals?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

The different types of auto insurance agents

If you are searching for local Denver agents, there are a couple of types of insurance agents and how they can write your policy. Agents in Denver can be described as either exclusive or independent. Both types can sell auto insurance policies, but it’s a good idea to understand why they differ since it may influence buying decisions.

Exclusive Insurance Agencies

Exclusive insurance agents can usually just insure with one company and examples are Farmers Insurance, Allstate, or State Farm. These agents are unable to give you multiple price quotes so you need to shop around if the rates are high. Exclusive insurance agents are usually well trained on the products they sell which aids in selling service over price. Some insured continue to use the same agent primarily because of the brand legacy rather than low rates.

The following is a short list of exclusive agents in Denver who may provide you with comparison quotes.

• Tammy Hill – State Farm Insurance Agent
  4650 Tower Rd Unit 101 – Denver, CO 80249 – (303) 373-9500 – View Map
• Austin Domsch – State Farm Insurance Agent
  400 S Colorado Blvd #890 – Denver, CO 80246 – (303) 321-0895 – View Map
• Don Middleton – State Farm Insurance Agent
  1900 Wazee St #1538 – Denver, CO 80202 – (303) 595-5500 – View Map

More insurance agents

Independent Insurance Agents

Agents of this type are not locked into one company so as a result can place your coverage with any number of different companies and help determine which has the cheapest rates. If you want to switch companies, your agent can just switch to a different company without you having to go to a different agency. If you are comparing rate quotes, it’s a good idea to contact a few independent agents to ensure the widest selection of prices. Many independent agencies also insure through smaller mutual companies that may have much lower rates than larger companies.

Below is a short list of independent insurance agents in Denver who can help you get price quotes.

• Madison Insurance Group
  600 S Cherry St #900 – Denver, CO 80246 – (800) 636-6185 – View Map
• Gonzalez Insurance Agency
  6450 E Colfax Ave – Denver, CO 80220 – (303) 320-4901 – View Map
• Sorhage and James Insurance
  1660 S Albion St # 1005 – Denver, CO 80222 – (303) 759-4551 – View Map

More insurance agents

Save $491 a year. For real?

Consumers can’t escape the ads for the lowest price car insurance from companies such as State Farm and Allstate. All the ads make the same claim that people will save if you switch your coverage to them.

How is it plausible that every one can cost less than your current company? It’s all in the words they use.

Insurance providers have a certain “appetite” for a prospective insured that will most likely be profitable. A good example of this type of driver could be a female over age 40, has no driving citations, and drives newer vehicles. A driver that meets those criteria will get low premium rates and therefore will cut their Acura ZDX insurance rates if they switch.

Consumers who cannot meet these stringent criteria may receive higher premiums and ends up with the customer not purchasing. If you pay attention, the ads say “people that switch” not “everybody who quotes” save that much money. That’s why companies can claim big savings. This really illustrates why you absolutely need to compare as many free Denver auto insurance quotes as you can. It’s just not possible to know which insurance companies will have the lowest rates for your situation.

Persistence pays off

There are still a few companies who may not offer the ability to get a quote online and most of the time these small insurance companies only sell coverage through independent agents. More affordable auto insurance in Denver is available online in addition to many Denver insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates.

When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. In many cases, drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at the best price.

More detailed auto insurance information is located by following these links:

• Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
• Who Has Affordable Denver Auto Insurance Quotes for 17 Year Olds? (FAQ)
• Who Has the Cheapest Car Insurance Rates for Immigrants in Denver? (FAQ)
• What Insurance is Cheapest for Low Mileage Drivers in Denver? (FAQ)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
• Property Damage Coverage (Liberty Mutual)