Would you like an easy way to compare the cheapest car insurance rates in Virginia Beach, VA? Virginia Beach consumers have a choice when looking for affordable Acura ZDX insurance. They can either waste time driving around to get rate comparisons or use the internet to make rate comparisons.
There is a better way to buy car insurance so you’re going to learn the absolute fastest way to quote coverages for a new or used Acura and find the best price possible from Virginia Beach insurance agents and online providers.
You need to take a look at other company’s rates before your policy renews due to the fact that insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best premium rates on Acura ZDX insurance in Virginia Beach a couple years back you will most likely find a better price today. Block out anything you think you know about car insurance because we’re going to demonstrate the only way to get good coverage on Acura ZDX insurance in Virginia Beach at a lower rate.
If you already have coverage or want to find a cheaper company, use these techniques to get lower rates and still get good coverage. Our objective in writing this article is to instruct you on how to get online quotes and also save some money in the process Smart shoppers just need to know the fastest way to compare price quotes online.
Most of the larger companies like Progressive, Allstate and GEICO make it easy to get price estimates online. Getting quotes for Acura ZDX insurance in Virginia Beach is easy for anyone as you simply enter your personal and coverage information as requested by the quote form. Once you submit the form, their rating system automatically orders your driving record and credit report and quotes a price based on many factors.
Quoting online for Acura ZDX insurance in Virginia Beach streamlines rate comparisons, and it’s absolutely necessary to do this if you want to get cheaper insurance pricing.
To save time and find out if lower rates are available, compare rate quotes from the providers shown below. If you have a policy now, it’s recommended you type in the limits and deductibles identical to your current policy. Doing this guarantees you will get rate quotes based on similar coverages.
The companies in the list below offer price quotes in Virginia. To find the cheapest auto insurance in Virginia, we recommend you compare several of them to get a more complete price comparison.
Auto insurance policy discounts you can’t miss
The price of auto insurance can be rather high, but you might find some hidden discounts to reduce the price significantly. Certain credits will be shown when you get a quote, but some discounts are required to be manually applied in order for you to get them.
- Claim-Free Discount – Virginia Beach drivers who stay claim-free pay much less in comparison to bad drivers.
- Telematics Data – People who choose to allow data collection to track their driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if their driving habits are good.
- Military Discounts – Being deployed with a military unit could be rewarded with lower prices.
- College Student Discount – Older children living away from Virginia Beach attending college and won’t have access to an insured vehicle may be insured at a cheaper rate.
- Multi-Vehicle Discounts – Insuring all your vehicles with the same company may reduce the rate for each vehicle.
- Federal Employees – Federal government employees could qualify for a slight premium decrease depending on your auto insurance provider.
- Membership in Organizations – Being a member of specific professional or occupational memberships or organizations may earn a discount on your next renewal.
- Drive Less and Save – Keeping the miles down on your Acura can qualify you for lower prices on the low mileage vehicles.
We need to note that most discounts do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, it just doesn’t work that way.
The example below illustrates the difference between Acura ZDX auto insurance rates with and without discounts being applied to the rates. The premiums assume a male driver, no tickets, no at-fault accidents, Virginia state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, homeowner, multi-car, and claim-free discounts applied.
A list of companies and a summarized list of policyholder discounts are outlined below.
- State Farm has discounts for anti-theft, passive restraint, safe vehicle, driver’s education, accident-free, good student, and multiple policy.
- GEICO discounts include military active duty, anti-lock brakes, seat belt use, federal employee, emergency military deployment, and five-year accident-free.
- SAFECO may include discounts for safe driver, multi-car, anti-theft, drive less, and teen safety rewards.
- Farmers Insurance includes discounts for early shopping, electronic funds transfer, youthful driver, switch companies, and multi-car.
- AAA offers premium reductions for education and occupation, multi-policy, multi-car, AAA membership discount, good student, pay-in-full, and good driver.
- USAA policyholders can earn discounts including multi-vehicle, driver training, good student, annual mileage, vehicle storage, multi-policy, and new vehicle.
If you need lower rates, check with each insurance company which credits you are entitled to. Some discounts may not be available in every state. To find insurers that offer multiple discounts in Virginia Beach, click here to view.
Analysis of coverages
The table displayed below showcases a range of rate quotes for Acura ZDX models. Learning as much as possible about how insurance prices are established can be valuable when making decisions on which coverage to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|ZDX Technology Package AWD||$166||$328||$312||$18||$94||$918||$77|
|ZDX Advance Package AWD||$166||$372||$312||$18||$94||$962||$80|
|Get Your Own Custom Quote Go|
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium costs do not factor in vehicle location which can lower or raise coverage rates substantially.
How high should deductibles be?
A question often asked by Virginia Beach drivers is how high or low should comp and collision deductibles be. The rates below approximate the rate differences between low and high physical damage coverage deductibles. The first rate estimation uses a $100 physical damage deductible and the second rate table uses a $500 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|ZDX Technology Package AWD||$306||$542||$258||$16||$78||$1,225||$102|
|ZDX Advance Package AWD||$306||$614||$258||$16||$78||$1,297||$108|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|ZDX Technology Package AWD||$224||$366||$258||$16||$78||$942||$79|
|ZDX Advance Package AWD||$224||$414||$258||$16||$78||$990||$83|
|Get Your Own Custom Quote Go|
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Information does not factor in specific zip code location which can alter price quotes greatly.
We can estimate from the data above that using a $100 deductible costs approximately $24 more each month or $288 for a full year averaged for all ZDX models than opting for the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 17 months between claim filings, you would save money if you decide on a higher deductible.
How accidents and violations affect rates in Virginia Beach
The example below shows how speeding tickets and accident claims can drive up Acura ZDX insurance rates for each age group. The premiums assume a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.
Price comparison of only insuring for liability
The illustration below shows the difference between Acura ZDX insurance costs with liability coverage only compared to full coverage. Data assumes no claims, a clean driving record, $250 deductibles, single marital status, and no discounts are applied.
Deciding between full coverage and liability only
There is no specific rule for phasing out comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than about 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your Acura ZDX replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after the policy deductible has been paid. If you are paying over $400 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are a few situations where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you are required to maintain 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 remove full coverage.
What if I want to buy from local Virginia Beach auto insurance agents?
Many people prefer to go talk to an agent and that can be a great decision Professional insurance agents can help you build your policy and give you someone to call. One of the great benefits of comparing auto insurance online is the fact that drivers can get cheap auto insurance quotes and also buy local. Supporting local insurance agencies is important especially in Virginia Beach.
Once you complete this short form, your insurance data is emailed to local insurance agents that give free quotes to get your business. You don’t have to search for any insurance agencies since rate quotes are delivered immediately to your email address. If you wish to compare prices from a specific auto insurance provider, you just need to navigate to their website and fill out their quote form.
If you want a reliable insurance agent, there are two types of agencies and how they differ in how they can insure your vehicles. Agents in Virginia Beach can either be exclusive agents or independent agents. Either can sell and service auto insurance coverage, but it’s important to point out how they differ because it can impact which type of agent you select.
Independent Agencies or Brokers
These type of agents often have many company appointments so they have the ability to put coverage through lots of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can just switch to a different company and you won’t have to switch agencies.
When comparing rate quotes, you will definitely want to get several quotes from a few independent agents so that you can do a thorough price comparison. They also have the ability to place coverage with lesser-known insurance companies that may have much lower rates than larger companies.
Listed below is a partial list of independent insurance agents in Virginia Beach that may be able to provide free rate quotes.
- Huffman Insurance Agency
5541 Parliament Dr #209 – Virginia Beach, VA 23462 – (757) 200-3183 – View Map
- The Coelho insurance agency
800 Seahawk Cir #142 – Virginia Beach, VA 23452 – (757) 437-9647 – View Map
- Bell Insurance Agency Corporation
1501 Cornwell Ln – Virginia Beach, VA 23454 – (757) 340-0028 – View Map
These type of agents can usually just insure with one company and some examples include American Family, State Farm, and Allstate. They generally cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive insurance agents receive extensive training on sales techniques and that enables them to sell even at higher rates. Some insured continue to buy from the same agent for years partially due to the brand rather than low rates.
Shown below are Virginia Beach exclusive insurance agencies that are able to give price quote information.
- Matt Abbott – State Farm Insurance Agent
4646 Princess Anne Rd #103 – Virginia Beach, VA 23462 – (757) 497-1999 – View Map
- Rose Goheen – State Farm Insurance Agent
1112 Laskin Rd – Virginia Beach, VA 23451 – (757) 428-8002 – View Map
- Milt Rawles – State Farm Insurance Agent
5265 Providence Rd #200 – Virginia Beach, VA 23464 – (757) 424-4656 – View Map
Picking the best insurance agent requires more thought than just the price. Below are some questions you should ask.
- How many companies do they write for?
- How would your car be valued if totaled?
- Can they provide you with a list of referrals?
- What kind of financial rating does the company have?
- How long have they been in business?
- Is the agency covered by Errors and Omissions coverage?
How do I know if I need professional advice?
When buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. You are unique and a cookie cutter policy won’t apply.
These are some specific questions can help discover whether you may require specific advice.
- Does my policy cover my teen driver if they drive my company car?
- Is other people’s property covered if stolen from my vehicle?
- Am I covered if my car is in a flood?
- Can I still get insurance after a DUI?
- Do I get a pro-rated refund if I cancel my policy early?
- Do I have any recourse if my insurance company denies a claim?
If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.
Why you need auto insurance
Despite the high cost of buying insurance for a Acura ZDX in Virginia Beach, maintaining insurance is mandatory in Virginia but it also protects more than you think.
First, almost all states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability protection in order to license the vehicle. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
Second, if you have a lien on your Acura ZDX, it’s most likely the lender will require you to have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender will be forced to insure your Acura at an extremely high rate and make you pay the higher premium.
Third, auto insurance preserves not only your car but also your financial assets. Insurance will also pay for medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of having insurance are definitely more than the cost, especially with large liability claims. The average driver in Virginia is overpaying over $865 each year so compare quotes from several companies each time the policy renews to save money.
Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on most insurance policies.
Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for expenses like ambulance fees, rehabilitation expenses, hospital visits and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Acura ZDX.
Since a lot of drivers have only the minimum liability required by law (Virginia limits are 25/50/20), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Auto liability insurance – This coverage can cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/20 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $20,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for claims like emergency aid, court costs and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. Virginia state minimum liability requirements are 25/50/20 but you should think about purchasing higher limits.
The next chart demonstrates why buying the state minimum limits may not provide adequate coverage.
Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like damage from a tornado or hurricane, vandalism, hitting a deer and damage from getting keyed. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like hitting a parking meter, sustaining damage from a pot hole, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible on your ZDX to bring the cost down.
Ratings for Virginia Beach car insurance companies
Finding a good quality insurer can be a challenge considering how many companies provide coverage in Virginia. The information shown below may help you decide which companies to look at when shopping your coverage around.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
One last note
When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. In too many instances, an insured dropped physical damage coverage only to regret that the small savings ended up costing them much more. Your objective should be to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.
Cheap Acura ZDX insurance in Virginia Beach is possible on the web as well as from independent agents in Virginia Beach, so you should compare both to have the best rate selection. Some insurance providers do not provide online quoting and usually these smaller companies work with independent insurance agents.
Steps to finding low-cost Acura ZDX insurance in Virginia Beach
The best way to get low-cost Acura ZDX insurance is to start doing an annual price comparison from different companies who can sell car insurance in Virginia Beach. Rate comparisons can be done by following these guidelines.
- Read and learn about the different coverages in a policy and the changes you can make to lower rates. Many risk factors that increase rates such as careless driving and a negative credit rating can be remedied by making minor driving habit or lifestyle changes.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or State Farm, while agents who are independent can provide price quotes for many different companies.
- Compare the new rate quotes to your existing rates to see if a cheaper price is available. If you can save some money and decide to switch, ensure coverage does not lapse between policies.
- Notify your current company of your intention to cancel the current policy. Submit the completed application along with a down payment to your new insurance company. Immediately upon receiving it, store the certificate verifying coverage in an easily accessible location in your vehicle.
One thing to point out is to try to use the same amount of coverage on each price quote and and to get quotes from as many different companies as possible. This helps ensure an apples-to-apples comparison and a complete price analysis.
Even more information is available in these articles:
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Who Has Affordable Car Insurance with Multiple Speeding Tickets in Virginia Beach? (FAQ)
- Who Has the Cheapest Virginia Beach Car Insurance Rates for Drivers with Bad Credit? (FAQ)
- Who Has Affordable Car Insurance Rates for a Subaru Outback in Virginia Beach? (FAQ)
- Who Has Affordable Virginia Beach Auto Insurance for Used Cars? (FAQ)
- Who Has Affordable Car Insurance Rates for a Learners Permit in Virginia Beach? (FAQ)
- How Much is Car Insurance for Teenage Females in Virginia Beach? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Jeep Grand Cherokee in Virginia Beach? (FAQ)
- Who Has Cheap Virginia Beach Car Insurance for High School Students? (FAQ)
- How to Avoid Common Accidents (State Farm)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)