Car Insurance Quotes for an Acura ZDX in Denver

Insurance rates Acura ZDX in DenverHow 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.

Acura ZDX Insurance Cost Estimates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $410 $852 $426 $26 $128 $1,842 $154
ZDX AWD $300 $576 $426 $26 $128 $1,456 $121
ZDX Advance Package AWD $200 $432 $396 $24 $118 $1,170 $98
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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.

Acura ZDX insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $376 $620 $352 $20 $106 $1,499 $125
ZDX AWD $376 $620 $352 $20 $106 $1,499 $125
ZDX Advance Package AWD $376 $702 $352 $20 $106 $1,581 $132
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Acura ZDX insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $232 $390 $352 $20 $106 $1,100 $92
ZDX AWD $232 $390 $352 $20 $106 $1,100 $92
ZDX Advance Package AWD $232 $442 $352 $20 $106 $1,152 $96
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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.Save money with discounts

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.

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.

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.Higher deductibles save money
For example, these questions can help discover whether your personal situation might need professional guidance.

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.

Insurance agents in DenverAfter 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.

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.

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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.

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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: