Want to know how to find the cheapest Acura ZDX insurance in Kansas City? Trying to come up with a payment for pricey car insurance can empty your checking account and force you to tighten up your finances.
It’s hard to believe, but nearly 70% of consumers kept their policy with the same company for at least four years, and roughly 40% of drivers have never even shopped around for cheap coverage. Missouri drivers could save nearly 25% each year by just shopping around, but most undervalue the rate savings if they replace their high priced policy. With so many options when it comes to car insurance, it is hard for the average consumer to pick the best insurance company.
You should make it a habit to compare prices before your next renewal since insurance prices fluctuate regularly. If you had the best deal on Acura ZDX insurance in Kansas City on your last policy there is a good chance you can find better premium rates now. Ignore everything you know about car insurance because you’re about to find out one of the best ways to reduce your cost while improving coverage.
The companies in the list below offer price comparisons in Missouri. To locate cheap car insurance in Missouri, it’s a good idea that you visit as many as you can to get a more complete price comparison.
Get affordable Acura ZDX insurance in Kansas City with discounts
Auto insurance is neither fun to buy or cheap, but discounts can save money and there are some available that may help make it more affordable. Larger premium reductions will be automatically applied when you purchase, but a few must be asked for before you will receive the discount. If you are not receiving all the discounts possible, you are not getting the best rate possible.
- Online Discount – A few larger companies may give you up to $50 just for signing your application digitally online.
- Distant College Student Discount – Youth drivers who are attending college and don’t have a car can receive lower rates.
- Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up before driving can save a little off the personal injury premium cost.
- Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid the installment charge.
- Save over 55 – Seniors are able to get a small decrease in premiums.
- Auto/Home Discount – When you combine your homeowners and auto insurance and insure them both with the same insurance company you may save approximately 10% to 15%.
Remember that most discounts do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.
The illustration below compares Acura ZDX car insurance rates with and without discounts applied to the rates. The rate quotes are based on a male driver, no claims or violations, Missouri state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, claim-free, multi-policy, and multi-car discounts applied.
Large auto insurance companies and a partial list of their discounts are shown below.
- Progressive may offer discounts for homeowner, online signing, multi-vehicle, multi-policy, and online quote discount.
- GEICO offers discounts including five-year accident-free, multi-policy, anti-lock brakes, good student, seat belt use, driver training, and air bags.
- State Farm policyholders can earn discounts including student away at school, safe vehicle, Steer Clear safe driver discount, driver’s education, and defensive driving training.
- Esurance includes discounts for safety device, anti-theft, anti-lock brakes, multi-car, defensive driver, and multi-policy.
- The Hartford may have discounts that include bundle, anti-theft, air bag, vehicle fuel type, driver training, and good student.
Check with every prospective company the best way to save money. A few discounts might not apply in Kansas City. To find insurers that can offer you the previously mentioned discounts in Kansas City, click here.
Premium rates and analysis
The data table displayed next outlines a range of insurance coverage prices for Acura ZDX models. Understanding how insurance prices are established is important for making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $264 | $380 | $348 | $20 | $104 | $1,116 | $93 |
| ZDX AWD | $264 | $380 | $348 | $20 | $104 | $1,116 | $93 |
| ZDX Advance Package AWD | $264 | $430 | $348 | $20 | $104 | $1,166 | $97 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in specific location which can revise coverage prices substantially.
Raise deductibles and save
When shopping for insurance, a common question is what deductibles to buy. The data tables below lay out the rate fluctuation when you select higher and lower insurance deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $286 | $470 | $266 | $16 | $80 | $1,143 | $95 |
| ZDX AWD | $286 | $470 | $266 | $16 | $80 | $1,143 | $95 |
| ZDX Advance Package AWD | $286 | $532 | $266 | $16 | $80 | $1,205 | $100 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $176 | $296 | $266 | $16 | $80 | $834 | $70 |
| ZDX AWD | $176 | $296 | $266 | $16 | $80 | $834 | $70 |
| ZDX Advance Package AWD | $176 | $334 | $266 | $16 | $80 | $872 | $73 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in specific zip code location which can increase or decrease coverage prices noticeably.
Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $26 more each month or $312 for a full year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at least 29 months between claims, you would more than likely save some money if you opt for a higher deductible.
The information below demonstrates how deductible levels and can influence Acura ZDX insurance premiums for different insured age categories. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are applied.
Acura ZDX liability rates compared to full coverage
The diagram below visualizes the comparison of Acura ZDX insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
When to buy liability coverage only
There is no exact formula to stop paying for physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Acura ZDX claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $5,000 after the policy deductible has been paid. If you are paying more than $500 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are a few situations where eliminating full coverage is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Best auto insurance company in Kansas City
Ending up with the right auto insurance provider can be a challenge considering how many choices there are in Missouri. The company rank data shown below may help you choose which coverage providers to look at purchasing a policy from.
Top 10 Kansas City Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- State Farm
- Liberty Mutual
- Allstate
- Safeco Insurance
- 21st Century
- Travelers
- Titan Insurance
Top 10 Kansas City Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Allstate
Insurance Price Influencing Factors
Consumers need to have an understanding of a few of the rating criteria that go into determining your premiums. When consumers understand what impacts premium levels, this helps enable you to make changes that can earn you better auto insurance rates.
The following are some of the items used by insurance companies to determine your rate level.
- You might have higher rates if you are single – Getting married may save some money when buying auto insurance. Having a spouse may mean you are less irresponsible and statistics show drivers who are married file infrequent claims.
- Car and home together may be cheaper – Some companies will award discounts for people that have more than one policy in the form of a multi-policy discount. Even if you qualify for this discount already, you still need to compare other company rates to ensure the best deal. Consumers may save even more than the discount by buying insurance from more than one company.
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Insurance costs and driver gender – Over time, data shows that females take fewer risks when driving. However, don’t assume that women are better drivers. Males and females are in fender benders at about the same rate, but males cause more damage and cost insurance companies more money. They also get more serious tickets such as reckless driving.
The information below illustrates the comparison of Acura ZDX insurance premiums for male and female drivers. The data assumes no claims or driving violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
- Big cities mean more claims – Being located in a rural area has definite advantages when shopping for auto insurance. People who live in big cities have to deal with traffic congestion and higher rates of accident claims. Fewer drivers means reduced accidents and a lower car theft rate.