Save Money on Acura MDX Insurance in Irvine

Smart shoppers know that auto insurance companies don’t want policyholders to shop around. People who shop around for a cheaper policy are very likely to switch companies because there are good odds of finding discount prices. Remarkably, a study showed that people who make a habit of shopping around saved over $3,500 over four years as compared to drivers who never compared prices.

If finding the cheapest price on auto insurance in Irvine is your ultimate objective, knowing the best ways to shop for cheaper coverage can save time and make the process easier.

If you want to find the absolute lowest rates, then the best way to get cheaper Acura MDX insurance is to regularly compare prices from different companies who sell auto insurance in Irvine. Price quotes can be compared by following these guidelines.

• First, read and learn about how car insurance works and the things you can change to drop your rates. Many rating factors that increase rates like traffic violations and a negative credit rating can be improved by being financially responsible and driving safely. Later in this article we will cover tips to prevent high rates and find available discounts that you may qualify for.
• Second, quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like Progressive or State Farm, while independent agents can provide price quotes for many different companies. Get quotes now
• Third, compare the price quotes to your current policy and see if there is a cheaper rate in Irvine. If you find a better price and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
• Fourth, provide notification to your current company to cancel the current policy and submit the application along with any required down payment to your new company or agent. Be sure to store the certificate verifying proof of insurance along with the vehicle’s registration papers.

One key aspect of rate comparisons is to make sure you enter the same amount of coverage on each quote and and to get rate quotes from as many companies as possible. This helps ensure an accurate price comparison and many rates to choose from.

Acura MDX insurance coverage information

The premium table displayed below highlights detailed analysis of insurance rates for Acura MDX models. Having a good grasp of how insurance premiums are figured is important for you to make decisions on the best policy coverages.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can change auto insurance rates noticeably.

Physical damage deductibles: Should you raise them?

The hardest decision when buying coverage is where to set your physical damage deductibles. The following tables help summarize the rate fluctuation when you select higher and lower deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rates do not factor in vehicle location which can influence prices significantly.

Based on the figures above, using a $100 deductible will cost you approximately $50 more each month or $600 a year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 18 months between claims, you would probably be better off by selecting a higher deductible.

The illustration below demonstrates how deductibles and can impact Acura MDX insurance prices for different age groups of insureds. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Tickets and at-fault accidents raise rates

The example below demonstrates how traffic citations and at-fault accidents can affect Acura MDX yearly insurance costs for different age groups. The data is based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

Rate comparison of males versus females in Irvine

The diagram below shows the difference between Acura MDX premium costs for male and female drivers. The prices are based on no driving violations, no at-fault accidents, full coverage, $1,000 deductibles, single status, and no policy discounts are applied.

Earn discounts on Irvine auto insurance

Insuring your vehicles can cost a lot, but you may find discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be asked for before you will receive the discount.

• ABS Brakes – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.
• Drivers Ed for Students – Have your child complete a driver education course in school.
• Onboard Data Collection – Insureds that choose to allow companies to scrutinize driving manner by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they have good driving habits.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and qualify for as much as a 10% discount.
• E-sign – A handful of insurance companies give back up to $50 get Irvine auto insurance over the internet.

Consumers should know that many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because you may think you can get free auto insurance, insurance companies wouldn’t stay in business.

The chart below visualizes the comparison of Acura MDX insurance costs with and without discounts applied to the policy rates. The rates are based on a female driver, no violations or claims, California 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, multi-car, safe-driver, multi-policy, claim-free, and marriage discounts applied.

For a list of providers with discount auto insurance rates in Irvine, click this link.

Insurance coverage options for an Acura MDX

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Acura MDX.

Due to the fact that many California drivers only carry the minimum required liability limits (which is 15/30/5), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as backing into a parked car, hitting a parking meter, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible on your MDX to save money on collision insurance.

Medical costs insurance – Med pay and PIP coverage reimburse you for short-term medical expenses like X-ray expenses, funeral costs, doctor visits, chiropractic care and nursing services. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, hitting a deer and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability coverage can cover injuries or damage you cause to a person or their property. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 15/30/5 which stand for a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and $5,000 of coverage for damaged property.

Liability insurance covers things such as court costs, loss of income and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible. California state law requires minimum liability limits of 15/30/5 but drivers should carry more liability than the minimum.

The illustration below demonstrates why buying low liability limits may not be enough coverage.

Do the work, save more money

When you buy Irvine auto insurance online, do not sacrifice coverage to reduce premiums. There are too many instances where an insured dropped uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.

Cheaper insurance in Irvine is possible on the web and from local insurance agents, and you need to price shop both to have the best selection. Some insurance companies do not offer online rate quotes and most of the time these small, regional companies only sell through independent agents.

Drivers switch companies for any number of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, extreme rates for teen drivers or delays in responding to claim requests. Regardless of your reason, finding the right insurance provider is pretty easy and you might even save some money in the process.

To learn more, take a look at these articles:

• Distracted Driving (Insurance Information Institute)
• Who Has Affordable Irvine Auto Insurance for a Kia Forte? (FAQ)
• What Car Insurance is Cheapest for College Graduates in Irvine? (FAQ)
• Who Has the Cheapest Irvine Car Insurance Quotes for a Nissan Altima? (FAQ)
• Who Has Cheap Auto Insurance Quotes for a Ford Focus in Irvine? (FAQ)
• What is the Best Cheap Car Insurance in Irvine, CA? (FAQ)
• Who Has the Cheapest Irvine Car Insurance Rates for Police Officers? (FAQ)
• Vehicle Insurance (Wikipedia)
• Auto Insurance FAQ (Farmers Insurance)
• Auto Insurance Basics (Insurance Information Institute)