Auto Insurance Quotes for an Acura ZDX in Jersey City

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.

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.

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

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.

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 # 307Jersey City, NJ 07306(201) 222-1314View Map

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

Sam’s Insurance and Travel
3396 John F. Kennedy BlvdJersey City, NJ 07307(201) 659-6800View 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 AveJersey City, NJ 07306(201) 793-7525View Map

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

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

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

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.

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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