Want to know how to find more competitive Acura ZDX insurance in Tulsa? Buying cheap Tulsa Acura ZDX insurance quotes on the internet can seem to be challenging for beginners to comparing rates and buying auto insurance online. Because there are so many insurers available, how can people possibly compare every auto insurance company to find the lowest price?
Steps to finding affordable quotes for Acura ZDX insurance in Tulsa
It takes a little time, but the best way to get affordable Acura ZDX insurance in Tulsa is to compare quotes annually from different companies in Oklahoma.
- Get a basic knowledge of how your policy works and the steps you can take to keep rates down. Many rating factors that cause rate increases like at-fault accidents, careless driving, and a substandard credit history can be controlled by making small lifestyle or driving habit changes.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like Progressive or State Farm, while independent agents can provide price quotes from multiple insurance companies.
- Compare the new rates to the premium of your current policy and see if there is a cheaper rate in Tulsa. If you find a lower rate quote and change companies, make sure there is no lapse in coverage.
The critical component of shopping around is to try to compare the same liability limits and deductibles on every quote and and to compare every company you can. This guarantees a level playing field and a better comparison of the market.
Anyone knows that car insurance companies want to keep you from comparing prices. Consumers who shop around for the cheapest price are highly likely to switch auto insurance companies because there is a great chance of finding a policy with better rates. A recent auto insurance study discovered that consumers who regularly compared rates saved on average $3,450 over four years as compared to drivers who never compared other company’s rates.
If finding the best price on auto insurance is your ultimate objective, learning how to get free comparison quotes and analyze cheaper coverage can help make the process easier and more efficient.
Smart consumers take time to compare prices at least once a year since insurance prices change regularly. Just because you found the lowest quotes on Acura ZDX insurance in Tulsa at your last renewal there is a good chance you can find better rates now. You can find a lot of wrong information about ZDX insurance online but in just a couple of minutes you can learn some of the best ways to stop overpaying for insurance in Tulsa.
Six Things That Determine Your Insurance Rates
A large part of saving on car insurance is knowing the rating factors that go into determining car insurance rates. If you know what controls the rates you pay, this empowers consumers to make smart changes that may reward you with better car insurance rates.
Frequent insurance claims will cost you more – Insurance companies in Oklahoma give lower rates to people that do not abuse their auto insurance. If you frequently file small claims, you can look forward to either higher rates or even cancellation. Your insurance policy is intended for major claims that would cause financial hardship.
Use one insurance company and save – Most major car insurance companies give a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even if you already get this discount, it’s still a good idea to compare Acura ZDX rates in Tulsa to confirm you are receiving the best rates possible.
Where do you drive? – Driving a lot of miles every year the more you will pay for car insurance. Most insurance companies calculate rates based upon how you use the vehicle. Autos left parked in the garage get more affordable rates than cars that get driven a lot. Verify your policy reflects the proper vehicle usage, because improper ratings can cost you money. A policy that improperly rates your ZDX may be wasting your money.
Extra policy coverages you don’t need – There are many extra bells and whistles that you can buy but may not be useful. Things like roadside assistance, towing coverage, and membership fees may not be needed and are just wasting money. They may seem like a good idea when deciding what coverages you need, but if you don’t need them get rid of them and save.
Fast cars cost more to insure – The performance of the car or truck you are buying insurance for makes a big difference in your premium level. The cheapest rates will normally be found when insuring lower performance four cylinder passenger cars, but many other things help determine your insurance rates.
The following chart assumes a single female driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It shows Acura ZDX policy rates compared to other vehicles that have a range of performance risks.
Credit history impacts premiums – Having a bad credit score is likely to be a major factor in determining premium rates. Drivers with high credit scores tend to be better risks to insure than drivers with lower ratings. So if your credit history can be improved, you could potentially save money when insuring your Acura ZDX by spending a little time repairing your credit.
The most recommended method to compare car insurance rates for Acura ZDX insurance in Tulsa is to know car insurance companies provide online access to compare rate quotes. To begin a comparison, all you need to do is provide a small amount of information such as the make and model of your vehicles, how many miles driven, whether the vehicles are used for commuting, and if a SR-22 is required. That rating information is automatically sent to multiple top-rated companies and you receive quotes immediately.
To check rates for your Acura ZDX now, click here and enter your zip code.
The following companies have been selected to offer price quotes in Oklahoma. If multiple companies are listed, we recommend you get prices from several of them to find the most competitive car insurance rates.
Rates and information analytics
The price information shown next outlines different coverage costs for Acura ZDX models. Learning a little about how auto insurance prices are determined is important to be able to make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $434 | $786 | $606 | $36 | $182 | $2,044 | $170 |
| ZDX AWD | $434 | $786 | $606 | $36 | $182 | $2,044 | $170 |
| ZDX Advance Package AWD | $434 | $890 | $606 | $36 | $182 | $2,148 | $179 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in specific zip code location which can affect premiums substantially.
Deductible analysis
One of the most common insurance questions is how high should the physical damage deductibles be. The comparisons below may help to conceptualize the differences in premium rates when you select higher and lower physical damage coverage deductibles. The first rate estimation uses a $100 deductible for physical damage and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $536 | $946 | $448 | $26 | $134 | $2,115 | $176 |
| ZDX AWD | $536 | $946 | $448 | $26 | $134 | $2,115 | $176 |
| ZDX Advance Package AWD | $536 | $1070 | $448 | $26 | $134 | $2,239 | $187 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $296 | $498 | $448 | $26 | $134 | $1,402 | $117 |
| ZDX AWD | $296 | $498 | $448 | $26 | $134 | $1,402 | $117 |
| ZDX Advance Package AWD | $296 | $564 | $448 | $26 | $134 | $1,468 | $122 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price information does not factor in specific garaging location which can revise coverage rates noticeably.
Based on these figures, using a $100 deductible costs approximately $61 more each month or $732 each year averaged for all ZDX models than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 15 months between claim filings, you would come out ahead if you decide on a higher deductible. The illustration below shows the way this determination is made.
| Average monthly premium for $100 deductibles: | $180 |
| Average monthly premium for $1,000 deductibles (subtract): | – $119 |
| Monthly savings from raising deductible: | $61 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $61 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
The diagram below illustrates how choosing a deductible and can influence Acura ZDX insurance costs for different age groups of insureds. The price estimates are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Gender-based insurance premiums in Tulsa
The chart below illustrates the difference between Acura ZDX car insurance costs for male and female drivers. The premiums assume no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, single marital status, and no other discounts are factored in.
Difference between full coverage and liability only rates
The example below visualizes the comparison of Acura ZDX insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Oklahoma. The price estimates are based on no accidents or driving violations, $250 deductibles, single marital status, and no other discounts are factored in.
Guidelines for eliminating full coverage
There is no clear-cut formula that is best for determining when to drop physical damage insurance, but there is a guideline you can consider. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Acura ZDX book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after paying the physical damage deductible. If you are paying in excess of $400 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some cases where eliminating full coverage is not a good plan. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not drop full coverage.
Best reasons to buy insurance in Oklahoma
Despite the potentially high cost of Acura ZDX insurance, insurance is a good idea for several reasons.
- Most states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability in order to be legal. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Acura ZDX, it’s most likely the lender will require that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the lender may insure your Acura for a lot more money and force you to pay the higher price.
- Insurance protects your Acura and your assets. It will also cover hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage also covers legal expenses in the event you are sued. If mother nature or an accident damages your car, your insurance policy will cover the damage repairs after a deductible is paid.
The benefits of insuring your car more than offset the price you pay, particularly for liability claims. According to a recent study, the average American driver is overpaying over $700 annually so you should quote rates each time the policy renews to make sure the price is not too high.
Get cheaper Acura ZDX insurance in Tulsa with discounts
Car insurance companies don’t always publicize the entire discount list very clearly, so we break down both the well known in addition to some of the lesser obvious car insurance savings.
- No Accidents – Good drivers with no accidents can earn big discounts as opposed to insureds who have frequent claims or accidents.
- Discount for New Cars – Buying coverage on a new vehicle is cheaper because newer vehicles are generally safer.
- Senior Citizens – Drivers that qualify as senior citizens may qualify for lower premium rates.
- Sign Early and Save – Some car insurance companies reward drivers for switching to them before your current ZDX insurance policy expires. It could save around 10% when you buy Tulsa car insurance online.
- Driver Education Discount – Have your child complete a driver education course in school or through a local driver safety program.
- Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of up to 25% or more.
- Low Mileage Discounts – Driving fewer miles may allow you to get cheaper premium rates.
- Military Discounts – Being deployed with a military unit could be rewarded with lower rates.
- Multi-car Discount – Buying insurance for all your vehicles on one policy can reduce the rates for all insured vehicles.
- Discounts for Federal Employees – Federal government employees may reduce rates when you quote Tulsa car insurance with a few car insurance companies.
Discounts save money, but please remember that most credits do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, it’s just not the way it works.
The diagram below visualizes the comparison of Acura ZDX auto insurance rates with and without policy discounts. The premiums are based on a male driver, no tickets, no at-fault accidents, Oklahoma 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 homeowner, multi-car, safe-driver, multi-policy, claim-free, and marriage discounts applied.
To view companies who offer discounts in Oklahoma, click here.
Are car insurance agents used anymore?
Many drivers just want to sit down and talk to an agent and we recommend doing that A nice benefit of comparing rates online is that you can obtain lower rates but also keep your business local.
Once you complete this form (opens in new window), your insurance coverage information is sent to insurance agents in Tulsa that provide free Tulsa car insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to find an agent on your own because prices are sent to your email. You can find the lowest rates without a big time investment. If you want to get a price quote for a specific company, you can always visit that company’s website and complete a quote there.
Choosing an company should include more criteria than just the premium amount. A good agent in Tulsa will have answers to these questions.
- If they are an independent agency in Tulsa, which companies do they recommend?
- Do the companies they represent have a solid financial rating?
- Is insurance their full-time profession?
- What discounts might you be missing?
- If you are a high risk driver, do they have special markets for your coverage?
- How much will you save each year by using a higher deductible?
Choose the right auto insurance agent
When finding a local Tulsa insurance agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Tulsa agents are categorized either exclusive or independent.
Exclusive Insurance Agents
Agents that elect to be exclusive can only provide one company’s prices such as American Family, State Farm, and AAA. Exclusive agencies are unable to shop your coverage around so they really need to provide good service. Exclusive agents are well schooled in insurance sales which helps them compete with independent agents. Consumers sometimes use the same exclusive agent primarily because of the brand name instead of buying on price only.
Listed below are Tulsa exclusive agencies that can give you price quote information.
- Mark Fugett – State Farm Insurance Agent
4949 S Mingo Rd – Tulsa, OK 74146 – (918) 628-1900 – View Map - State Farm: Ron Lockney
2828 E 91st St – Tulsa, OK 74137 – (918) 298-5444 – View Map - Elonda Wicks – State Farm Insurance Agent
5807 S Garnett Rd g – Tulsa, OK 74146 – (918) 252-3313 – View Map
Independent Agencies or Brokers
Independent agencies often have many company appointments so they have the ability to put coverage with many different companies and find the cheapest rate. If they quote lower rates, they simply switch companies in-house which is easy for the insured. When searching for an agent, it’s recommended you get insurance quotes from several independent insurance agents so that you have a good selection of quotes to compare. Most independent agents also contract with smaller mutual companies that may provide cheaper auto insurance rates.
The following are Tulsa independent agencies who can help you get rate quotes.
- EZ Insurance Agency
1207 S Memorial Dr – Tulsa, OK 74112 – (918) 794-3220 – View Map - Rooney Insurance Agency, Inc.
4700 S Garnett Rd #200 – Tulsa, OK 74146 – (918) 582-0565 – View Map - Charles G. Harris Insurance
4724 S Union Ave – Tulsa, OK 74107 – (918) 446-4421 – View Map
Upon receiving answers to your satisfaction to any questions you have as well as a price you’re happy with, most likely you have located an auto insurance agent that meets the requirements to insure your vehicles. Just keep in mind you are entitled to cancel a policy whenever you wish so don’t think you’re contractually obligated to any specific agency with no way out.
Cheaper auto insurance is a realistic goal
Some companies may not offer the ability to get quotes online and usually these regional carriers sell through independent agencies. Lower-priced auto insurance in Tulsa is definitely available from both online companies as well as from independent agents in Tulsa, so you should compare both so you have a total pricing picture.
Drivers who switch companies do it for a variety of reasons including extreme rates for teen drivers, poor customer service, policy non-renewal or even delays in paying claims. Regardless of your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.
We just presented a lot of techniques to shop for Acura ZDX insurance online. It’s most important to understand that the more times you quote, the better your chances of lowering your premium rates. Drivers may even discover the most savings is with some of the smallest insurance companies.
How to buy affordable Acura ZDX insurance in Tulsa
The best way we recommend to find low-cost Acura ZDX insurance in Tulsa is to make a habit of regularly comparing prices from different companies who can sell car insurance in Oklahoma. Rates can be compared by following these guidelines.
- Step 1: Try to learn a little about car insurance and the modifications you can make to keep rates low. Many rating factors that result in higher rates such as tickets, at-fault accidents, and a poor credit rating can be remedied by making lifestyle changes or driving safer.
- Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or Allstate, while independent agencies can provide rate quotes for many different companies.
- Step 3: Compare the price quotes to your existing policy and see if you can save money. If you find a better price and decide to switch, ensure there is no coverage lapse between policies.
- Step 4: Notify your company or agent of your decision to cancel your current auto insurance policy. Submit payment and a signed application to your new agent or company. Immediately upon receiving it, keep your new certificate verifying proof of insurance in your vehicle.
The most important part of shopping around is to try to compare the same physical damage deductibles and liability limits on each quote and and to look at all possible companies. Doing this provides a fair rate comparison and the most accurate and complete price analysis.
Other articles
- Winter Driving (Insurance Information Institute)
- Who Has Cheap Auto Insurance Rates for a Dodge Ram in Tulsa? (FAQ)
- Who Has Affordable Car Insurance Rates for Ride Shares in Tulsa? (FAQ)
- Who Has Affordable Tulsa Car Insurance Rates for a Toyota RAV4? (FAQ)
- Where can I buy Insurance? (Insurance Information Institute)
- Rollover Crash FAQ (iihs.org)
- What is Gap Insurance? (Insurance Information Institute)
- All About Airbag Safety (State Farm)