Unbelievable but true according to a study a large majority of auto insurance policyholders have bought auto insurance from the same company for over three years, and roughly 40% of drivers have never taken the time to shop around. Ohio consumers could pocket up to $730 a year just by comparing rates, but they just assume it takes a lot of time to shop their coverage around.
Really, the only way to find low-cost prices for auto insurance rates in Columbus is to start doing an annual price comparison from insurance carriers in Ohio.
Step 1: It will benefit you to learn about car insurance and the factors you can control to prevent expensive coverage. Many rating factors that drive up the price such as high-risk driving behaviors and an imperfect credit history can be rectified by making minor changes in your lifestyle.
Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from multiple companies.
Step 3: Compare the price quotes to your existing rates to determine if switching companies saves money. If you find a lower rate and change companies, make sure coverage does not lapse between policies.
Step 4: Provide notification to your current company to cancel your current coverage and submit any necessary down payment along with the completed application for the new coverage. When you receive it, place the new certificate of insurance with your registration paperwork.
One tip to remember is that you’ll want to make sure you compare the same coverage limits and deductibles on each price quote and and to get rates from as many companies as you can. This provides an apples-to-apples comparison and and a good selection of different prices.
Many insurance companies such as GEICO, State Farm and Progressive make it easy to get coverage price quotes on the web. The process is fairly simple as you just enter your coverage information on the page. When complete, the company’s rating system requests your driving and credit reports and provides a quote based on the data you entered.
This makes it easy to compare insurance prices and it’s necessary to have as many quotes as possible in order to find the best car insurance rates.
To quickly fill out one form to compare multiple rates now, take a look at the companies shown below. If you have coverage now, it’s recommended you enter the coverage information as close as possible to your current policy. Doing this guarantees you will be getting rate comparison quotes based on similar coverages.
The companies shown below are ready to provide price comparisons in Ohio. If the list has multiple companies, we recommend you visit two to three different companies to get a more complete price comparison.
Rates and detailed analysis
The coverage table displayed below showcases a range of insurance rates for Acura ZDX models. Learning more about how rates are determined can help guide drivers when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $190 | $366 | $296 | $18 | $88 | $958 | $80 |
| ZDX AWD | $190 | $366 | $296 | $18 | $88 | $958 | $80 |
| ZDX Advance Package AWD | $190 | $414 | $296 | $18 | $88 | $1,006 | $84 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Price information does not factor in garaging location in Columbus which can increase or decrease auto insurance rates considerably.
Where to set your deductibles
A question often asked by Columbus drivers is how high or low should comp and collision deductibles be. The tables below approximate how much more rates are between low and high physical damage deductibles. The first data set uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $270 | $478 | $226 | $14 | $68 | $1,081 | $90 |
| ZDX AWD | $270 | $478 | $226 | $14 | $68 | $1,081 | $90 |
| ZDX Advance Package AWD | $270 | $542 | $226 | $14 | $68 | $1,145 | $95 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ZDX Technology Package AWD | $150 | $252 | $226 | $14 | $68 | $710 | $59 |
| ZDX AWD | $150 | $252 | $226 | $14 | $68 | $710 | $59 |
| ZDX Advance Package AWD | $150 | $286 | $226 | $14 | $68 | $744 | $62 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in your specific Columbus location which can change premiums considerably.
Based on these figures, using a $100 deductible costs roughly $32 more each month or $384 a year averaged for all ZDX models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 28 months between claim filings, you would probably save some money by selecting a higher deductible.
The diagram below demonstrates how deductible levels and can increase or decrease Acura ZDX yearly insurance costs for different age groups of insureds. The premiums are based on a married male driver, comp and collision included, and no policy discounts are applied.
Safe drivers pay less for auto insurance
The information below demonstrates how citations and at-fault fender-benders can impact Acura ZDX premium costs for each age group. The data is based on a married male driver, full coverage, $500 deductibles, and no policy discounts are applied.
Rate comparison of male drivers versus female drivers
The example below illustrates the comparison of Acura ZDX premium costs for male and female drivers. The premiums are based on no claims, a clean driving record, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Car insurance just makes sense
Despite the high cost, buying car insurance is required by state law in Ohio and it also provides benefits you may not be aware of.
- The majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage if you don’t want to risk a ticket. In Ohio 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 have a lien on your Acura ZDX, it’s most likely the lender will require you to have insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank will be required to insure your Acura at a significantly higher premium and require you to fork over the higher premium.
- Car insurance protects both your car and your assets. It also can pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay attorney fees if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will cover the repair costs.
The benefits of insuring your ZDX are definitely more than the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver is wasting up to $865 each year so it’s very important to do a rate comparison every year to be sure current rates are still competitive.
What is the best insurance coverage?
When quoting and comparing proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different.
For instance, these questions may help you determine if you could use an agent’s help.
- Why am I be forced to buy a membership to get insurance from some companies?
- Are rental cars covered under my policy?
- Do I benefit by insuring my home with the same company?
- I have health insurance so do I need medical payments coverage?
- Does having multiple vehicles earn me a discount?
- What if I don’t agree with a claim settlement offer?
- Do I need PIP (personal injury protection) coverage in Ohio?
- What policy terms are available?
- What discounts do I qualify for?
- Will damage be repaired with OEM parts?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Insurance coverage breakdown
Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.
Medical expense coverage
Coverage for medical payments and/or PIP kick in for expenses like surgery, pain medications, rehabilitation expenses, nursing services and dental work. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible
Comprehensive protection
This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as falling objects, damage from a tornado or hurricane, rock chips in glass and vandalism. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Coverage for liability
Liability insurance will cover damage or injury you incur to other people or property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage pays for things like attorney fees, medical expenses and loss of income. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible. Ohio state minimum liability requirements are 25/50/25 but drivers should carry better liability coverage.
The chart below shows why buying the state minimum limits may not be high enough to adequately cover claims.
Uninsured or underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Acura ZDX.
Since a lot of drivers only purchase the least amount of liability that is required (Ohio limits are 25/50/25), their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.
Collision coverage protection
Collision insurance covers damage to your ZDX caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims like hitting a mailbox, rolling your car, colliding with another moving vehicle, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible on your ZDX to get cheaper collision coverage.
Quote more and you will save more
Discount Acura ZDX insurance in Columbus can be bought both online in addition to many Columbus insurance agents, so you need to quote Columbus car insurance with both in order to have the best chance of saving money. Some insurance providers do not offer rate quotes online and usually these regional carriers provide coverage only through independent agents.
Drivers switch companies for any number of reasons including policy cancellation, high prices, poor customer service and policy non-renewal. Regardless of your reason for switching companies, finding a new company is pretty simple and you could end up saving a buck or two.
When shopping online for car insurance, you should never skimp on coverage in order to save money. Too many times, an insured cut liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find at a price you can afford and still be able to protect your assets.
To read more, feel free to browse the articles below:
- Rollover Crash FAQ (iihs.org)
- Who Has Cheap Car Insurance Quotes for a Jeep Wrangler in Columbus? (FAQ)
- Who Has the Cheapest Columbus Auto Insurance for State Employees? (FAQ)
- Who Has the Cheapest Car Insurance for Electric Cars in Columbus? (FAQ)
- Who Has the Cheapest Columbus Car Insurance Quotes for a Nissan Sentra? (FAQ)
- Who Has Affordable Columbus Auto Insurance for Drivers with Accidents? (FAQ)
- How Much is Auto Insurance for High Risk Drivers in Columbus? (FAQ)
- How Much are Auto Insurance Rates for a 20 Year Old Female in Columbus? (FAQ)
- Tools for Teen Driving Safety (State Farm)
- State Laws for Cellphones and Texting (iihs.org)
- Shopping for a Safe Car (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)