Cheap Quotes for Acura ZDX Insurance in Kansas City

Insurance quote for Acura ZDX in Kansas CityWant 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.Save money with discounts

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.

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.


Acura ZDX Insurance Rates in Kansas City, MO
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.


Acura ZDX insurance premium estimates with $250 deductibles
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
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Acura ZDX insurance premium estimates with $1,000 deductibles
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

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. State Farm
  5. Liberty Mutual
  6. Allstate
  7. Safeco Insurance
  8. 21st Century
  9. Travelers
  10. Titan Insurance

Top 10 Kansas City Car Insurance Companies Ranked by Customer Service

  1. Mercury Insurance
  2. Nationwide
  3. State Farm
  4. Safeco Insurance
  5. American Family
  6. Titan Insurance
  7. Travelers
  8. Liberty Mutual
  9. GEICO
  10. 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.