Getting low-cost Austin Acura MDX insurance quotes online may be difficult for people that are relatively new to online price comparisons. With so many options of insurers to choose from, how are we expected to even start to compare each option to find better rates?
A recent survey discovered that a large majority of auto insurance policyholders kept buying from the same company for at least four years, and about 40% of consumers have never quoted rates to find affordable coverage. Texas drivers could save about 70% each year just by comparing rates, but they don't believe how much they could save if they just switched companies.
It's a great practice to check auto insurance prices before your policy renews because auto insurance prices fluctuate regularly. Just because you found the lowest quotes on Acura MDX insurance in Austin on your last policy a different company probably has better rates today. Block out anything you think you know about auto insurance because you're going to learn the quickest way to save money, get proper coverage and the best rates.
Locating the most cost-effective car insurance policy in Austin can be made easier if you know where to look. Virtually every driver who has to purchase car insurance stands a good chance to be able to find better rates. Although Texas vehicle owners do need to learn the way companies sell insurance online and use this information to your advantage.
Companies offering Acura MDX insurance in Austin
The car insurance companies shown below are our best choices to provide price quotes in Austin, TX. If several companies are displayed, we recommend you visit as many as you can in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|MDX with Tech Package 4WD||$356||$660||$496||$30||$148||$1,690||$141|
|MDX with Tech/Entertainment 4WD||$362||$672||$462||$28||$138||$1,662||$139|
|MDX Advance 4WD||$196||$360||$400||$24||$120||$1,100||$92|
|MDX Advance/Entertainment 4WD||$322||$594||$366||$22||$110||$1,414||$118|
|Get Your Own Custom Quote Go|
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Information does not factor in specific location which can lower or raise price quotes greatly.
Auto insurance rates based on gender
The information below illustrates the comparison of Acura MDX premium costs for male and female drivers. The information is based on no driving violations, no at-fault accidents, full coverage, $250 deductibles, marital status is single, and no policy discounts are applied.
Responsible drivers pay cheaper Austin auto insurance rates
The illustration below shows how speeding tickets and at-fault claims can impact Acura MDX insurance premiums for different age groups. The price estimates are based on a single male driver, full coverage, $500 deductibles, and no discounts are applied.
Acura MDX full coverage rates compared to liability only
The information below illustrates the difference between Acura MDX auto insurance rates with liability coverage only compared to full coverage. The rate quotes are based on no driving violations, no at-fault accidents, $500 deductibles, single female driver, and no discounts are applied to the premium.
Deciding between full coverage and liability only
There isn't a written rule of when to phase out physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let's pretend your Acura MDX replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $3,000 after the policy deductible has been paid. If it's costing in excess of $300 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are a few cases where removing full coverage is not advised. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage.
Get cheaper Acura MDX insurance in Austin with discounts
Auto insurance is easily one of your largest bills, but there's a good chance there are discounts that many people don't even know exist. Some trigger automatically when you quote, but some must be specifically requested prior to receiving the credit.
- First Accident Forgiveness - This one isn't a discount, but companies like Libery Mutual, GEICO and Allstate will turn a blind eye to one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
- Pay Early and Save - By paying your entire bill at once rather than paying monthly you may have a lower total premium amount.
- Safety Course Discount - Taking a safe driver class could cut 5% off your bill if your company offers it.
- Save with More Vehicles Insured - Buying insurance for multiple cars on one policy may reduce the rate for each vehicle.
- Mature Driver Discount - Drivers that qualify as senior citizens can possibly qualify for reduced rates.
- Fewer Miles Equal More Savings - Keeping the miles down on your Acura can qualify you for lower rates on the low mileage vehicles.
- Discounts for Federal Employees - Simply working for the federal government could provide a small rate reduction with select insurance companies.
- Active Service Discounts - Being on active deployment in the military can result in better rates.
Remember that most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, auto insurance companies aren't that generous.
For a list of insurance companies with the best Acura MDX insurance discounts in Austin in Austin, click this link.
Informed Drivers Save More
Smart consumers have a good feel for some of the things that go into determining insurance rates. If you know what influences your rates, this empowers consumers to make smart changes that can earn you lower rates. Many factors are considered when you get your auto insurance bill. Some are obvious such as your driving history, but others are more transparent such as your marital status or your vehicle rating.
Reserve insurance claims for larger damages - If you file a lot of claims you can pretty much guarantee higher rates. Car insurance companies in Texas give the best rates to drivers who do not rely on their insurance for small claims. Your car insurance is designed for major claims that would cause financial hardship.
Accidents increase premiums - Attentive drivers receive lower rates as compared to those with violations. Even a single speeding ticket or other violation can increase rates by as much as twenty percent. Drivers who have received multiple citations like reckless driving, hit and run or driving under the influence may need to complete a SR-22 with the DMV in their state in order to drive a vehicle legally.
Less chance of injury means lower premiums - Cars with five star safety ratings are cheaper to insure. Vehicles built for safety reduce occupant injuries and any reduction in injury severity means your insurance company pays less passed on to you as lower rates. If your Acura MDX earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
Discounts for auto and home policies - Many companies will give lower prices to customers that purchase more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be ten percent or more. If you currently are using one company, it's still a good idea to check prices from other companies to help guarantee you have the best rates.
Performance impacts insurance prices - The make and model of the vehicle you are insuring makes a big difference in how high your rates are. Since the Acura MDX is classified as a luxury SUV, insuring your vehicle will cost substantially more in price when compared to the average rates in Austin. Smaller low performance passenger vehicles generally receive the lowest base rates, but other factors influence the final cost greatly.
Better rates with anti-theft devices - Choosing a vehicle with an alarm system can help lower your premiums. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder your car from being stolen.
Credit score impacts costs - Having a bad credit score can be a huge factor in your rate calculation. Consumers who have very good credit scores tend to be more responsible than those with lower credit ratings. So if your credit rating could use some work, you could save money insuring your Acura MDX by improving your rating.
Safeguard your assets with liability - A critical coverage on your policy, liability insurance will afford coverage when you are ruled to be at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense which can cost thousands of dollars. It is affordable coverage when compared with rates for comp and collision, so buy as much as you can afford.
Acura MDX insurance claim data - Insurance companies factor in insurance loss information to help determine the rate you pay. Models that the data determines to have higher number or severity of losses will have a higher cost to insure. The table below outlines the actual insurance loss data for Acura MDX vehicles.
For each coverage type, the loss probability for all vehicles, regardless of make, model or trim level, is represented as 100. Values that are 100 or less suggest losses that are better than average, while values that are above 100 point to more frequent losses or a tendency for claims to be larger.
Insurance Loss Ratings for Acura MDX Vehicles
|Specific Acura 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|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Your situation helps dictate your coverage
When selecting a policy, there is no best way to insure your cars. Your situation is unique so your insurance should reflect that For instance, these questions may help you determine whether you will benefit from professional help.
- Am I covered when driving on a suspended license?
- Do I have newly-aquired coverage?
- What is roadside assistance coverage?
- What policy terms are available?
- I have a DUI can I still get coverage?
- Why am I required to buy liability insurance?
- How do I file an SR-22 for a DUI in Texas?
- Can good grades get a discount?
If you're not sure about those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.
Are insurance agencies a thing of the past?
Many drivers just prefer to sit down and talk to an agent and that can be a smart move A good thing about comparing car insurance online is that you can obtain cheap rate quotes but also keep your business local.
Upon completion of this short form, your information is emailed to insurance agents in Austin who want to provide quotes for your business. You never need to search for any insurance agencies as quotes are delivered directly to you. You'll get the best rates and a licensed agent to talk to. If for some reason you want to get a comparison quote for a specific company, feel free to search and find their rate quote page and fill out their quote form.
Finding the right insurance company should depend on more than just the price. These are valid questions to ask:
- When do they do policy reviews?
- Is the agency involved in supporting local community causes?
- Does the company have a local claim office in Austin?
- What kind of financial rating does the company have?
- Where would your vehicle be repaired?
When searching for a reputable insurance agent or broker, there are a couple of different agency structures and how they can write your policy. Car insurance agencies are classified as either exclusive or independent agents depending on their company appointments.
Exclusive Car Insurance Agents
Exclusive insurance agents have only one company to place business with such as Farmers Insurance and State Farm. These agents are unable to give you multiple price quotes so they have no alternatives for high prices. Exclusive agencies are well schooled in insurance sales and that allows them to sell at a higher price point. Some insured continue to buy from the same agent for years primarily because of the prominent brand name rather than having low rates.
Listed below is a list of exclusive insurance agents in Austin who can help you get rate quotes.
- David Simmons - State Farm Insurance Agent
1910 W Braker Ln #400 - Austin, TX 78758 - (512) 837-8825 - View Map
- Bennie Council - State Farm Insurance Agent
6448 US-290 f110 - Austin, TX 78723 - (512) 454-4524 - View Map
- Allstate Insurance: Cheri Roman
8103 Brodie Ln Ste 7 - Austin, TX 78745 - (512) 282-9999 - View Map
Independent Car Insurance Agents
Independent agencies do not sell for just one brand so they have the ability to put coverage through lots of different companies and potentially find a lower price. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency.
If you need lower rates, you definitely need to get quotes from several independent insurance agents to have the most options to choose from. A lot of them also have access to lesser-known insurance companies which could offer lower prices.
Listed below are Austin independent insurance agents that are able to give rate quotes.
- Stanley Insurance Agency
512 W Stassney Ln #113 - Austin, TX 78745 - (512) 445-5555 - View Map
- Dean Davis Insurance Agency
7950 Anderson Square Suite 101 - Austin, TX 78757 - (512) 454-4511 - View Map
- Southwest Insurance Center
3105 W Slaughter Ln - Austin, TX 78748 - (512) 280-6100 - View Map
Frequent quotes can save
You just learned a lot of ways to shop for Acura MDX insurance online. It's most important to understand that the more companies you get prices for, the better likelihood of getting cheaper Austin auto insurance quotes. You may even discover the most savings is with an unexpected company. They may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.
Budget-conscious Acura MDX insurance is definitely available on the web in addition to local insurance agencies, so get free Austin auto insurance quotes from both of them to have the best selection. Some insurance companies do not provide online rate quotes and most of the time these regional insurance providers sell through independent agents.
As you restructure your insurance plan, never reduce needed coverages to save money. In many cases, drivers have reduced comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at the lowest possible cost, but don't skip important coverages to save money.
For more information, feel free to visit the following helpful articles:
- Steps to Take After an Auto Accident (Insurance Information Institute)
- How Much is Austin Auto Insurance for a Ford Explorer? (FAQ)
- Vehicle Insurance in the U.S. (Wikipedia)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)