How to Save on Acura MDX Insurance in Los Angeles

Wish you could get a refund on an under-performing, overpriced insurance policy? You’re in good company because many Los Angeles drivers have buyer’s remorse.

It’s an obvious conclusion that insurance companies want to keep you from comparing rates. Drivers who compare price quotes are likely to switch companies because they have a good chance of finding a more affordable policy premium. A recent insurance study discovered that drivers who compared prices regularly saved an average of $865 a year as compared to drivers who never compared other company’s rates.

If finding the cheapest price for Acura MDX insurance is why you’re here, then understanding how to shop and compare auto insurance can help you succeed in finding affordable rates.

Due to the abundance of insurance companies to choose from, it’s nearly impossible to locate the best insurance company.

It’s a good habit to get comparison quotes as often as possible due to the fact that insurance prices change frequently. Even if you got the best deal on Acura MDX insurance in Los Angeles a few years ago you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to learn one of the easiest ways to remove unneeded coverages and save money.

Locating the best rates in Los Angeles is not rocket science. If you are already insured, you will definitely be able to reduce premiums using this information. But California consumers need to learn the way insurance companies market insurance on the web because rates are impacted by many factors.

When quoting car insurance, remember that comparing a wide range of rates increases the chance that you will find more affordable insurance.

The companies in the list below are ready to provide quotes in Los Angeles, CA. If more than one company is shown, we suggest you click on several of them in order to get a fair rate comparison.

Insurance coverage details

The price information shown below covers a range of coverage prices for Acura MDX models. Having a better understanding of how insurance prices are calculated can be of help when making decisions when shopping your coverage around.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium costs do not factor in your specific Los Angeles location which can alter rates substantially.

Physical damage deductibles

One of the more difficult decisions when buying auto insurance is which deductible level should you buy. The figures shown below can help you understand the differences in price when you select higher and lower deductibles. The first set of rates uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in vehicle garaging location which can decrease or increase price quotes substantially.

Based on this data, using a $250 deductible costs about $35 more each month or $420 every year than selecting the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 21 months between claim filings, you would save more money if you decide on a higher deductible.

One thing to be aware of is that increasing deductibles to lower your rates means you will have to pay more of your own money at claim time. That will require enough extra money in the event you have to pay more to get your vehicle repaired.

The chart below highlights how deductible selection and can change Acura MDX yearly insurance costs for different categories of driver ages. The premiums are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

Comparison of auto insurance rates by gender and age

The chart below illustrates the comparison of Acura MDX premium costs for male and female drivers. The rates are based on no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are applied.

Lower-cost Los Angeles car insurance quotes with discounts

Not many people think insurance is cheap, but there are discounts available that you may not even know about. Many of these discounts will be applied automatically at quote time, but a few must be manually applied prior to receiving the credit.

• Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt may be able to save a few bucks on the medical payments or PIP coverage costs.
• Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
• Passive Restraints – Factory options such as air bags and/or automatic seat belt systems could see savings of 20% or more.
• Senior Discount – Older drivers could receive a small discount on rates.
• Multi-line Discount – If the company offers life insurance, you could get better rates if you take out a life policy as well.
• Accident Forgiveness – Not necessarily a discount, but companies like State Farm and Progressive will allow you to have one accident before raising your premiums if you are claim-free for a specific time period.
• Accident-Free Discounts – Good drivers with no accidents pay less when compared with insureds who have frequent claims or accidents.
• Military Deployment Discount – Being on active deployment in the military could be rewarded with lower prices.
• Buy New and Save – Buying a new car model can get you a discount because new model year vehicles are generally safer.
• Fewer Miles Equal More Savings – Maintaining low annual mileage may allow you to get slightly better prices than normal.

A little disclaimer on discounts, most credits do not apply to the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will definitely lower your policy premiums.

The diagram below compares Acura MDX car insurance rates with and without policy discounts. The premiums are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, homeowner, claim-free, and multi-car discounts applied.

A list of companies and some of their more popular discounts can be found below.

• State Farm includes discounts for safe vehicle, Drive Safe & Save, driver’s education, good student, anti-theft, good driver, and student away at school.
• GEICO offers premium reductions for military active duty, daytime running lights, seat belt use, membership and employees, and anti-lock brakes.
• SAFECO offers discounts including homeowner, anti-theft, teen safe driver, safe driver, bundle discounts, and multi-car.
• Farmers Insurance policyholders can earn discounts including alternative fuel, multi-car, distant student, youthful driver, and homeowner.
• AAA may offer discounts for anti-theft, good student, multi-car, education and occupation, multi-policy, pay-in-full, and AAA membership discount.
• USAA may include discounts for vehicle storage, military installation, good student, defensive driver, new vehicle, and driver training.

Check with each company which discounts you qualify for. Some discounts listed above might not be offered in every state. To see providers with the best discounts in Los Angeles, click here.

Why do I need car insurance?

Despite the high cost, insurance is not optional due to several reasons.

First, just about all states have minimum liability requirements which means you are required to buy specific minimum amounts of liability insurance coverage in order to license the vehicle. 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 MDX, most lenders will require that you buy insurance to guarantee loan repayment. If you let the policy lapse, the bank or lender will purchase a policy for your Acura for a lot more money and make you pay much more than you were paying before.

Third, insurance safeguards both your assets and your Acura. It will also reimburse you for medical transport and hospital expenses incurred in an accident. Liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of buying insurance are without a doubt worth the cost, especially for larger claims. Today the average American driver is currently overpaying as much as $865 each year so compare rate quotes at least once a year to save money.

When to get professional advice

When it comes to coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight if you might need an agent’s assistance.

• Do I have coverage for damage caused while driving under the influence?
• Do I need added coverage for expensive stereo equipment?
• If my car is totaled with they pay enough to replace it?
• Where can I find high-risk insurance?
• Do I need more liability coverage?
• Are there any extra discounts I can get?
• Where can I find DUI or SR-22 insurance?
• Do all my vehicles need collision coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form.

Insurance agencies near you

Many drivers would rather buy from a local agent and doing so can bring peace of mind One of the benefits of comparing rate quotes online is that you can find cheap auto insurance quotes and still have an agent to talk to.

To help locate an agent, after submitting this form (opens in new window), your coverage information is emailed to companies in Los Angeles that provide free Los Angeles auto insurance quotes for your coverage. You never need to visit any agencies because prices are sent straight to your inbox. Get lower rates and work with a local agent. If for some reason you want to quote rates from one company in particular, just visit that company’s website and give them your coverage information.

Deciding on a provider requires you to look at more than just a cheap quote. Before buying a policy in Los Angeles, get answers to these questions.

• Are all drivers listed on the coverage quote?
• Do you qualify for any additional discounts?
• Who are their largest clients?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Where would your vehicle be repaired?
• How does the company pay claims for a total loss?
• Do they reduce claim amounts on high mileage vehicles?

When finding local Los Angeles agents, there are two types of agencies and how they are slightly different. Agents in Los Angeles are categorized either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

Agents that elect to be exclusive can only quote rates from one company and examples are Allstate and State Farm. They usually cannot give you multiple price quotes so you might not find the best rates. Exclusive agencies are usually quite knowledgeable in insurance sales and that can be a competitive advantage.

The following is a short list of exclusive insurance agencies in Los Angeles who may provide you with rate quotes.

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Independent Agencies or Brokers

Agents of this type are not employed by one company and that gives them the ability to insure with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies.

When shopping rates, you need to get some free quotes from a few independent agents to get the best comparison.

Shown below are Los Angeles independent insurance agents who can help you get rate quotes.

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