Auto Insurance Quotes for an Acura ZDX in Jersey City

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Discount Acura ZDX insuranceIf you want to save money, the best way to get more affordable Acura ZDX insurance in Jersey City is to regularly compare prices from different companies who sell auto insurance in New Jersey.

  • First, read about the different coverages in a policy and the factors you can control to prevent high rates. Many policy risk factors that drive up the price like distracted driving and an unacceptable credit rating can be amended by being financially responsible and driving safely.
  • Second, compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like GEICO or Farmers Insurance, while agents who are independent can give you price quotes for many different companies. Begin your rate comparison
  • Third, compare the new rates to your existing rates and determine if there is any savings. If you find a lower rate quote and buy the policy, make sure coverage does not lapse between policies.
  • Fourth, tell your current company to cancel your existing policy. Submit a completed policy application and payment to the new insurer. Don't forget to place your new certificate verifying coverage along with your vehicle registration.

An important note is to try to use identical coverage information on every quote request and and to get quotes from as many companies as feasibly possible. This guarantees an apples-to-apples comparison and the best price selection.

Anyone knows that car insurance companies want to keep you from comparing prices. Consumers who compare rates annually are inclined to move their business because there is a high probability of finding a lower-priced policy. A recent insurance study revealed that consumers who regularly compared price quotes saved an average of $3,400 over four years compared to those who never shopped around for better prices.

If finding the lowest rates on Acura ZDX insurance is your objective, then having a good understanding how to quote and compare car insurance can make it simple to find affordable coverage.

Best companies for low-cost Acura ZDX insurance in New Jersey

The following companies provide quotes in Jersey City, NJ. If multiple companies are listed, we suggest you visit several of them in order to find the most affordable rates.

Premium rates and analysis

The table shown next covers estimates of policy rates for Acura ZDX models. Having a good grasp of how insurance quotes are established can help drivers make smart choices when choosing a car insurance company.

Acura ZDX Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $442 $832 $544 $32 $162 $2,012 $168
ZDX AWD $442 $832 $544 $32 $162 $2,012 $168
ZDX Advance Package AWD $442 $942 $544 $32 $162 $2,122 $177
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Table data does not factor in vehicle garaging location which can impact premium rates greatly.

Deductible analysis

When buying insurance, a common question is how high should the deductibles for physical damage be. The rates shown below may help to illustrate the difference in cost when you buy lower versus higher policy deductibles. The first table uses a $250 physical damage deductible and the second set of rates uses a $500 deductible.

Acura ZDX insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $514 $848 $480 $28 $144 $2,039 $170
ZDX AWD $514 $848 $480 $28 $144 $2,039 $170
ZDX Advance Package AWD $514 $960 $480 $28 $144 $2,151 $179
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Acura ZDX insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $418 $684 $480 $28 $144 $1,754 $146
ZDX AWD $418 $684 $480 $28 $144 $1,754 $146
ZDX Advance Package AWD $418 $774 $480 $28 $144 $1,844 $154
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate information does not factor in specific location which can decrease or increase coverage prices greatly.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $24 more each month or $288 a year across all Acura ZDX models than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average at least 10 months between claims, you would come out ahead going with the higher deductible.

The information below illustrates how your choice of deductibles and can change Acura ZDX insurance costs for different age groups. The costs are based on a married male driver, comp and collision included, and no discounts are applied.

Learn How to Find Car Insurance for Less

When buying car insurance it's important to understand a few of the rating criteria that are used to determine the rates you pay for car insurance. If you know what impacts premium levels, this allows you to make good choices that could result in cheaper rates.

Shown below are some of the most common factors used by companies to determine your rate level.

  • Decrease car insurance rates by maintaining coverage - Driving without insurance is a misdemeanor and you may have a hard time finding new coverage because you let your coverage lapse. In addition to paying higher premiums, the inability to provide proof of insurance will get you a hefty fine and possibly a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the New Jersey motor vehicle department.
  • Accidents are costly - Drivers with clean records have lower premiums as compared to careless drivers. Getting just one chargeable violation can increase rates by as much as twenty percent. Drivers who have gotten license-revoking tickets such as DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with the DMV in their state in order to prevent a license revocation.

    The chart below demonstrates how citations and at-fault claims can impact Acura ZDX insurance costs for different categories of driver ages. The rates are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are factored in.

  • Pleasure use saves money - The higher the mileage driven annually the more you'll pay to insure it. The majority of insurers price each vehicle's coverage partially by how you use the vehicle. Cars and trucks that are left in the garage qualify for better rates than those that get driven frequently. Improper usage on your ZDX may be wasting your money. Verify your policy shows the correct usage for each vehicle.
  • Cheaper rates by bundling - Most larger insurers apply better rates to buyers who carry more than one policy such as combining an auto and homeowners policy. Even with this discount, you may still want to compare Acura ZDX rates in Jersey City to ensure the best deal.There is a chance you can find lower rates by splitting coverages up.
  • Save money with higher coverage deductibles - Insurance for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your Acura. Some examples of covered claims would be a windshield shattered by a rock, hitting a deer, or theft. Comprehensive and collision coverage deductibles are the amount of money you are required to spend if the claim is covered. The more money the insured is willing to pay, the lower your rates will be.
  • Only buy coverage you need - There are a ton of extra coverages that you can get tricked into buying if you aren't diligent. Insurance for things like rental car reimbursement, accidental death, and Farm Bureau memberships are some examples. These may sound like a good investment initially, but if they're wasting money remove them and pocket the money.
  • Gender matters - Over the last 30 years, statistics show that women are safer drivers than men. That doesn't necessarily mean that males are worse at driving than females. Women and men cause accidents at a similar rate, but the males get into accidents with more damage. Men also statistically get higher numbers of serious violations like reckless driving and DUI.

    The information below compares Acura ZDX insurance costs for male and female drivers. The data assumes no claims or violations, full coverage, $250 deductibles, drivers are single, and no policy discounts are applied.

  • Good credit scores equal low prices - Having a good credit score is likely to be a major factor in determining premium rates. So if your credit is lower than you'd like, you could potentially save money when insuring your Acura ZDX by taking the time to improve your credit score. People that have good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.

Cheap Jersey City car insurance quotes with discounts

Some insurers don't always advertise all available discounts in a way that's easy to find, so here is a list both well-publicized in addition to some of the lesser obvious discounts you could be receiving when you buy Jersey City auto insurance online.Save money with discounts

  • Discounts for Government Workers - Simply working for the federal government could qualify for a slight premium decrease with select insurance companies.
  • Early Payment Discounts - By making one initial payment instead of monthly or quarterly installments you can avoid the installment charge.
  • Bundle and Save - If you can bundle your auto and home insurance with one company you could save as much as 10 to 15 percent.
  • Accident Free - Drivers with accident-free driving histories have much lower rates in comparison to insureds who have frequent claims or accidents.
  • Driving Data Discount - Drivers who elect to allow data collection to spy on driving habits remotely such as Progressive's Snapshot could save a few bucks if they have good driving habits.
  • Professional Organizations - Being a member of a qualifying organization could trigger savings on your bill.

As a sidenote, most credits do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies wouldn't make money that way. Any amount of discount will lower your car insurance premiums.

The example below compares Acura ZDX annual premium costs with and without discounts applied. The prices are based on a female driver, no violations or claims, New Jersey state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, homeowner, safe-driver, and marriage discounts applied.

Larger car insurance companies and some of the premium reductions they offer are included below.

  • Farm Bureau has savings for driver training, safe driver, youthful driver, good student, renewal discount, and multi-policy.
  • Liberty Mutual has discounts for hybrid vehicle, safety features, new graduate, newly married, multi-car, and teen driver discount.
  • State Farm discounts include good driver, Steer Clear safe driver discount, safe vehicle, passive restraint, student away at school, defensive driving training, and multiple autos.
  • Auto-Owners Insurance policyholders can earn discounts including anti-lock brakes, air bags, multiple vehicles, anti-theft, safe driver, company car, and multi-policy.
  • GEICO may have discounts that include military active duty, driver training, air bags, anti-theft, multi-policy, seat belt use, and emergency military deployment.
  • SAFECO offers premium reductions for safe driver, teen safe driver, anti-lock brakes, accident prevention training, homeowner, and teen safety rewards.

If you want inexpensive Jersey City auto insurance quotes, ask every prospective company which credits you are entitled to. Depending on the company, some discounts might not be offered in your state.

Shop online but buy locally

Certain consumers just prefer to get professional advice from a licensed agent and that is not a bad decision One of the great benefits of price shopping on the web is that you can obtain the best rates and still have a local agent. Buying from neighborhood agents is important especially in Jersey City.

Jersey City insurance agentsAfter filling out this simple form, the quote information is transmitted to local insurance agents in Jersey City that can give you free Jersey City auto insurance quotes to get your business. There is no need to search for an agent as quotes are delivered instantly to you. You can find lower rates without requiring a lot of work. In the event you want to get a rate quote from a specific company, don't hesitate to navigate to their website and fill out their quote form.

If you want to use an insurance agent, there are two different types of agents and how they function. Agencies in Jersey City can be categorized as either independent (non-exclusive) or exclusive.

Independent Insurance Agents

Agents of this type are not employed by any specific company so they have the ability to put coverage with a variety of different insurance companies and find the cheapest car insurance rates. If prices rise, they simply move the coverage in-house and that require little work on your part. When shopping rates, we recommend you get some free quotes from several independent agencies in order to have the best price comparison.

The following is a partial list of independent insurance agencies in Jersey City who may be able to give you free car insurance quotes.

ABL Insurance Services
910 Bergen Ave # 307 - Jersey City, NJ 07306 - (201) 222-1314 - View Map

Lou Schloss Agency Inc
31 River Ct - Jersey City, NJ 07310 - (201) 626-7589 - View Map

Sam's Insurance and Travel
3396 John F. Kennedy Blvd - Jersey City, NJ 07307 - (201) 659-6800 - View Map

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Exclusive Insurance Agents

These type of agents can only quote rates from one company and some examples include AAA, Allstate, and State Farm. They are unable to give you multiple price quotes so they really need to provide good service. Exclusive agencies are usually well trained in insurance sales which helps offset the inability to provide other markets.

Shown below is a short list of exclusive agencies in Jersey City who can help you get price quotes.

591 Summit Ave - Jersey City, NJ 07306 - (201) 793-7525 - View Map

505 Central Ave - Jersey City, NJ 07307 - (201) 222-8866 - View Map

447 Central Ave - Jersey City, NJ 07307 - (201) 435-1616 - View Map

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Choosing an insurance agency shouldn't rely on just the price. Get answers to these questions too.

  • How long has their agency been in business in Jersey City?
  • Which insurance company do they prefer to write with?
  • Will they take your side in the event of a claim?
  • Can you choose the body shop in case repairs are needed?
  • How much can you save by raising your physical damage deductibles?
  • Are claims handled at the agent's location?

Upon getting answers to your satisfaction for all questions you ask as well as offering an affordable quote, you've probably found an auto insurance agent that meets the criteria to properly insure your vehicles.

There's no such thing as the perfect car insurance policy

When it comes to choosing the right insurance coverage for your personal vehicles, there is no one-size-fits-all type of policy. You are unique so this has to be addressed.Safe vehicles cost less to insure For example, these questions might point out if your situation might need an agent's assistance.

  • What are the liability requirements in my state?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does liability extend to a camper or trailer?
  • Should I put collision coverage on all my vehicles?
  • When should I remove my kid from my policy?
  • Does my car insurance cover rental cars?
  • Does my insurance cover a custom paint job?
  • Does my policy cover me when driving someone else's vehicle?
  • Is business equipment covered while in my vehicle?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

In Summary

You just learned a lot of information how to save on Acura ZDX insurance in Jersey City. The key concept to understand is the more rate quotes you have, the better likelihood of getting affordable Jersey City auto insurance quotes. You may even discover the lowest premium rates come from some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.

Cost effective Acura ZDX insurance is definitely available online and from local insurance agents, so you need to shop Jersey City auto insurance with both so you have a total pricing picture. There are still a few companies who do not offer rates over the internet and these regional insurance providers provide coverage only through independent agencies.

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