Best Acura MDX Insurance in Chula Vista

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Insurance for Acura MDXIf you want to save money, the best way to find better pricing on Acura MDX insurance in Chula Vista is to compare quotes annually from insurance carriers who provide car insurance in California.

  • First, get an understanding of how car insurance works and the steps you can take to prevent expensive coverage. Many rating factors that result in higher rates such as traffic violations and an unacceptable credit history can be rectified by paying attention to minor details.
  • Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like GEICO or State Farm, while independent agents can provide price quotes for a wide range of companies.
  • Third, compare the quotes to the price on your current policy and see if you can save money. If you find a better price and switch companies, make sure coverage does not lapse between policies.
  • Fourth, provide written notification to your current company to cancel your current policy. Submit the application along with any required down payment to the new company. Don't forget to put the certificate verifying proof of insurance with your registration paperwork.

One bit of advice is that you'll want to make sure you compare identical coverage information on each quote and and to get rates from as many companies as you can. Doing this provides a level playing field and a complete price analysis.

Anyone knows that insurance companies don't want customers comparing rates. Insureds who rate shop once a year will, in all likelihood, switch to a new company because the odds are good of finding better rates. A survey found that drivers who routinely compared quotes saved as much as $3,400 over four years compared to those who didn't regularly shop around.

If finding discount rates on Acura MDX insurance is your intention, then having an understanding of how to quote prices and compare coverage rates can make it simple to find affordable coverage.

The car insurance companies shown below are ready to provide price quotes in California. To find cheap auto insurance in California, we recommend you visit as many as you can to find the most affordable car insurance rates.

Rate information and statistics

The rate table below showcases different insurance premium costs for Acura MDX models. Understanding more about how insurance quotes are formulated can be of help when making decisions when choosing a new policy provider.

Acura MDX Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $468 $790 $534 $32 $160 $1,984 $165
MDX with Tech Package 4WD $468 $930 $534 $32 $160 $2,124 $177
MDX with Tech/Entertainment 4WD $468 $930 $534 $32 $160 $2,124 $177
MDX Advance 4WD $468 $930 $534 $32 $160 $2,124 $177
MDX Advance/Entertainment 4WD $468 $930 $534 $32 $160 $2,124 $177
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price information does not factor in specific location which can increase or decrease insurance rates considerably.

Where to set your deductibles

The hardest decision when buying coverage is which deductible level should you buy. The comparison tables below can help you understand the costs and benefits between low and high comp and collision deductibles. The first rate estimation uses a $250 deductible and the second pricing table uses a $1,000 deductible.

Acura MDX insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $430 $576 $442 $26 $132 $1,631 $136
MDX with Tech Package 4WD $430 $678 $442 $26 $132 $1,733 $144
MDX with Tech/Entertainment 4WD $430 $678 $442 $26 $132 $1,733 $144
MDX Advance 4WD $430 $678 $442 $26 $132 $1,733 $144
MDX Advance/Entertainment 4WD $430 $678 $442 $26 $132 $1,733 $144
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Acura MDX insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $266 $362 $442 $26 $132 $1,228 $102
MDX with Tech Package 4WD $266 $426 $442 $26 $132 $1,292 $108
MDX with Tech/Entertainment 4WD $266 $426 $442 $26 $132 $1,292 $108
MDX Advance 4WD $266 $426 $442 $26 $132 $1,292 $108
MDX Advance/Entertainment 4WD $266 $426 $442 $26 $132 $1,292 $108
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Information does not factor in specific location information which can alter rates significantly.

We can derive from the above data that using a $250 deductible would cost the average driver about $35 more each month or $420 a year than buying the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 21 months between claims, you would more than likely save some money if you elect the higher deductible.

The illustration below highlights how deductible choice and can affect Acura MDX insurance costs for different age groups. The price estimates are based on a single male driver, full physical damage coverage, and no discounts are factored in.

Acura MDX liability rates compared to full coverage

The diagram below shows the comparison of Acura MDX insurance costs with full coverage and liability only. The rates are based on no accidents or driving violations, $100 deductibles, single marital status, and no discounts are applied to the premium.

Should you pay for full coverage?

There is no clear-cut formula for eliminating physical damage coverage, but there is a general guideline. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let's say your Acura MDX claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $5,000 after you pay the deductible. If it's costing you more than $500 annually for full coverage, then it's probably a good time to buy liability coverage only.

There are a few cases where dropping full coverage is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in case of an accident, you should keep full coverage on your policy.

Why you need insurance for your Acura vehicle

Despite the potentially high cost of Acura MDX insurance, paying for insurance may be required and benefits you in several ways.

First, just about all states have compulsory liability insurance requirements which means you are required to carry specific limits of liability if you don't want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a lien on your Acura MDX, it's guaranteed your bank will make it mandatory that you have insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank will be required to insure your Acura at a much higher rate and require you to pay much more than you were paying before.

Third, insurance protects both your Acura and your assets. Insurance will pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay to defend you if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of having insurance definitely exceed the price paid, particularly for liability claims. Today the average American driver overpays more than $810 a year so you should quote rates at every policy renewal to ensure rates are inline.

Get Lower-cost Insurance Rates by Understanding These Factors

Part of the insurance buying process is learning a few of the rating criteria that are used to determine the rates you pay for insurance. When consumers understand what impacts premium levels, this enables you to make decisions that could help you find lower rates.

The following are some of the major factors used by your company to calculate your rates.

  • Deter theft and pay less - Purchasing a vehicle with a theft deterrent system can help lower your premiums. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft and help bring rates down.
  • Careless drivers pay higher prices - Having just one driving citation can increase rates twenty percent or more. Careful drivers receive lower rates than their less careful counterparts. Drivers with serious tickets such as reckless driving or DUI are required to maintain a SR-22 with their state DMV in order to prevent a license revocation.

    The illustration below highlights how speeding tickets and accident claims can raise Acura MDX car insurance rates for different age groups. Data assumes a single male driver, full coverage, $250 deductibles, and no discounts are factored in.

  • Compare rates if you bundle your policies - Many insurance companies provide lower prices to buyers who buy several policies from them, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it's still a good idea to comparison shop to guarantee you are still saving the most.There is a good possibility that you can save money even if you insure with multiple companies
  • Do safer cars cost less to insure? - Vehicles with good safety scores tend to be cheaper to insure. Safe vehicles reduce injuries and fewer serious injuries means lower claim amounts which can mean better rates for you. If your Acura is rated at a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Keep the miles off and save - The higher the miles on your Acura every year the more you'll pay to insure it. Almost all companies charge to insure your cars based upon how the vehicle is primarily used. Cars that sit idle most of the time receive lower rates than vehicles that have high annual mileage. It's always a good idea to double check that your insurance declarations sheet states the proper vehicle usage, because it can save money. Improper usage on your MDX may be costing you higher rates.
  • Allowing your policy to lapse raises premiums - Not maintaining insurance is not a good idea and as a result your rates will increase for letting your insurance lapse. And not only will your rates increase, failure to provide proof of insurance may result in a license revocation or jail time.
  • You might want pay the inexpensive claims yourself - Insurance companies in California award discounts to drivers who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
  • Acura MDX claim statistics - Auto insurance companies use historical loss data to help calculate premium prices. Models that the data shows to have increased claim numbers or amounts will be charged more to insure. The next table illustrates the insurance loss data used by companies for Acura MDX vehicles.

    For each policy coverage, the statistical loss for all vehicles, regardless of manufacturer or model, is a value of 100. Numbers below 100 are indicative of better than average losses, while numbers above 100 point to more claims or tendency to have larger claims.

    Acura MDX Insurance Claim Statistics
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Acura MDX 4dr 2WD 73 80 102 63 56 63
    Acura MDX 4dr 4WD 81 85 123 65 60 59
    BETTER
    AVERAGE
    WORSE

    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheap car insurance is out there

Consumers change insurance companies for a number of reasons such as high prices, extreme rates for teen drivers, lack of trust in their agent and even poor customer service. Regardless of your reason for switching companies, choosing a new insurance company can be pretty painless.

When buying insurance coverage, make sure you don't buy less coverage just to save a little money. There are many occasions where someone sacrificed liability coverage limits only to find out that it was a big error on their part. Your objective should be to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

In this article, we presented quite a bit of information on how to shop for Acura MDX insurance online. The key concept to understand is the more times you quote, the better your chances of lowering your premium rates. You may even discover the best price on car insurance is with a smaller regional carrier.

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