Save on Acura ZDX Insurance in Honolulu

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Insurance for Acura ZDXIf your goal is the lowest price, then the best way to get affordable car insurance rates is to make a habit of comparing prices annually from companies who sell insurance in Honolulu. Rates can be compared by following these steps.

  1. Spend a few minutes and learn about policy coverages and the steps you can take to prevent rate increases. Many policy risk factors that drive up the price such as speeding tickets, careless driving and an imperfect credit history can be amended by improving your driving habits or financial responsibility. This article provides instructions to prevent high rates and get discounts that may be available to you.
  2. Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive or State Farm, while independent agents can quote rates from multiple companies.
  3. Compare the new rate quotes to your existing policy to see if switching to a new carrier will save money. If you find a better price and switch companies, make sure coverage is continuous and does not lapse.
  4. Notify your company or agent of your intent to cancel the current policy and submit a completed policy application and payment to the new insurer. As soon as you receive it, put the proof of insurance certificate in your vehicle's glove compartment or console.

One important bit of advice is that you use identical coverages on each price quote and and to get rates from as many different companies as possible. Doing this helps ensure an accurate price comparison and the most accurate and complete price analysis.

It's an obvious statement that insurance companies don't want you quoting rates from other companies. Consumers who get comparison quotes at least once a year will most likely buy a different policy because there are good odds of finding better rates. A study showed that drivers who routinely compared quotes saved as much as $850 each year as compared to drivers who never shopped around.

If finding the cheapest price for car insurance in Honolulu is your ultimate goal, then having a grasp of the best way to shop and compare insurance premiums can help make the process easier.

If you have a policy now or are shopping for new coverage, you can learn to shop for the lowest rates and still get good coverage. Locating the best rates in Honolulu is much easier if you know where to start. Shoppers just have to use the most efficient way to shop for insurance from many different companies.

Getting a cheaper price on Acura ZDX insurance is not rocket science. All that's required is to invest a few minutes to compare rates provided by online insurance companies.

Online shopping is fast and free, and it makes it obsolete to spend time driving to local Honolulu insurance agencies. The ability to get quotes online has reduced the need for local agents unless you require the trained advice that only an agent can give. If you prefer, some companies allow you to price shop online but have a local agent actually write the policy.

The car insurance companies shown below can provide price comparisons in Honolulu, HI. If multiple companies are listed, it's a good idea that you visit as many as you can to get a more complete price comparison.

Buying the right Acura ZDX insurance in Hawaii is an important decision

Even though it's not necessarily cheap to insure an Acura in Honolulu, maintaining insurance is a good idea for several reasons.

  • Most states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability insurance if you want to drive legally. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If your vehicle has a loan, almost every bank will make it mandatory that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Acura for a lot more money and require you to fork over the higher premium.
  • Car insurance protects both your Acura ZDX and your assets. Insurance will also pay for medical bills for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if anyone sues you for causing an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your ZDX more than offset the price you pay, particularly if you ever have a claim. An average driver in America overpays more than $830 a year so compare quotes from several companies at least once a year to make sure the price is not too high.

Acura ZDX coverage analysis

The rate information shown next outlines detailed analysis of insurance costs for Acura ZDX models. Having a better understanding of how car insurance prices are figured can help you make smart buying decisions.

Acura ZDX Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $230 $378 $264 $16 $80 $968 $81
ZDX AWD $230 $378 $264 $16 $80 $968 $81
ZDX Advance Package AWD $230 $426 $264 $16 $80 $1,016 $85
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Information does not factor in Honolulu location which can revise premiums significantly.

Higher deductibles save money

A question often asked by Honolulu drivers is how high should your deductibles be. The figures shown below approximate the rate fluctuation when you choose different comp and collision deductibles. The first pricing table uses a $250 physical damage deductible and the second price grid uses a $500 deductible.

Acura ZDX insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $284 $468 $264 $16 $80 $1,137 $95
ZDX AWD $284 $468 $264 $16 $80 $1,137 $95
ZDX Advance Package AWD $284 $528 $264 $16 $80 $1,197 $100
Get Your Own Custom Quote Go
Acura ZDX insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $230 $378 $264 $16 $80 $968 $81
ZDX AWD $230 $378 $264 $16 $80 $968 $81
ZDX Advance Package AWD $230 $426 $264 $16 $80 $1,016 $85
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates noticeably.

Based on this data, using a $250 deductible costs approximately $15 more each month or $180 each year than choosing the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 17 months between claims, you would more than likely save some money if you choose the higher deductible.

Cost difference between full coverage and liability

The information below illustrates the difference between Acura ZDX car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Hawaii. The information is based on no driving violations, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are applied.

Should you pay for full coverage or liability only?

There is no set rule of when to phase out physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let's assume your Acura ZDX replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after paying your deductible. If you are paying over $700 annually for your policy with full coverage, then you might consider buying liability only.

There are a few situations where buying only liability insurance is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage.

Car insurance discounts help lower rates for Acura ZDX insurance in Honolulu

Auto insurance companies don't always publicize every discount they offer very well, so the list below contains a few of the more common as well as the least known credits that you can use to lower your rates.Car insurance discounts

  • Discounts for Seat Belt Usage - Drivers who always wear seat belts and also require passengers to buckle up before driving can save a little on medical payment and PIP coverage.
  • Military Rewards - Having a deployed family member could be rewarded with lower car insurance rates.
  • Drivers Education - Have your child successfully complete driver's ed class as it can save substantially.
  • Sign Early and Save - A few companies give discounts for switching companies before your current ZDX insurance policy expires. Ten percent is about the average savings.
  • Passive Restraint Discount - Cars that have air bags can get savings of more than 20%.
  • Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for reduced rates.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. Just because it seems like you could get a free car insurance policy, companies wouldn't make money that way.

The illustration below shows the comparison of Acura ZDX insurance premiums with and without discounts being applied to the rates. The rates are based on a male driver, a clean driving record, no at-fault accidents, Hawaii state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, claim-free, marriage, and homeowner discounts applied.

A list of car insurance companies and some of the discounts are:

  • AAA may offer discounts for multi-car, good student, AAA membership discount, good driver, anti-theft, pay-in-full, and education and occupation.
  • Progressive offers discounts for online quote discount, multi-vehicle, continuous coverage, good student, multi-policy, online signing, and homeowner.
  • State Farm includes discounts for driver's education, multiple policy, good student, Steer Clear safe driver discount, Drive Safe & Save, and defensive driving training.
  • Esurance may include discounts for safety device, anti-theft, homeowner, multi-car, emergency road assistance, and anti-lock brakes.
  • Nationwide policyholders can earn discounts including easy pay, defensive driving, family plan, multi-policy, and business or organization.

When getting a coverage quote, ask every company how many discounts you can get. Some of the earlier mentioned discounts may not apply to policies in your state. If you would like to see a list of car insurance companies that offer many of these discounts in Honolulu, follow this link.