Acura MDX Insurance Quotes in Tucson

Discount Acura MDX insuranceIt’s safe to conclude that car insurance companies don’t want you comparing rates. People who shop around for cheaper price quotes will probably move their business because there is a significant possibility of finding discount prices. A recent survey found that drivers who compared rates once a year saved an average of $70 a month compared to those who never compared rates.

If finding low prices for Acura MDX insurance in Tucson is the reason for your visit, knowing how to quote prices and compare auto insurance can make the process more efficient.

To save the most money, the best way to save on Acura MDX insurance is to start doing an annual price comparison from providers who sell insurance in Tucson. Drivers can shop around by completing these steps.

  1. Try to understand individual coverages and the steps you can take to drop your rates. Many policy risk factors that cause rate increases such as your driving record and an unacceptable credit score can be remedied by making minor driving habit or lifestyle changes.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like Progressive and State Farm, while agents who are independent can give you price quotes for many different companies. Compare rates now
  3. Compare the price quotes to your current policy premium to determine if you can save on MDX insurance. If you can save some money and change companies, make sure there is no lapse in coverage.
  4. Provide written notification to your current company of your intention to cancel your current policy. Submit a completed application and payment for the new policy. As soon as coverage is bound, place your new proof of insurance certificate in a readily accessible location in your vehicle.

A key point to remember is to make sure you’re comparing identical limits and deductibles on every price quote and and to analyze as many car insurance companies as possible. Doing this provides a fair rate comparison and a good representation of prices.

We hope to teach you how to effectively get price quotes and some tricks to saving. If you have coverage now, you will most likely be able to reduce premiums using this strategy. But Arizona vehicle owners can benefit by having an understanding of how the larger insurance companies compete online and use this information to your advantage.

Cheap Tucson car insurance rates with discounts

Not many people think insurance is cheap, but companies offer discounts that you may not even be aware of. Some trigger automatically when you quote, but a few must be manually applied in order for you to get them. If you do not check that you are getting every discount you qualify for, you’re paying more than you need to.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce the cost of coverage.

The chart below illustrates the difference between Acura MDX insurance costs with and without discounts applied to the policy premium. The premiums are based on a male driver, no violations or accidents, Arizona 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 multi-car, multi-policy, homeowner, claim-free, safe-driver, and marriage discounts applied.

To locate car insurance companies with the best Acura MDX insurance discounts in Tucson in Tucson, follow this link.

When shopping for the cheapest Acura MDX rate quotes, there are a couple of ways of comparing rate quotes from car insurance companies in your area. The quickest method to find the lowest rates consists of shopping online.

Getting free rate quotes online is quite simple, and it makes it obsolete to spend time driving to each insurance agency near you. Comparing Acura MDX insurance rates online eliminates the middleman unless you prefer the professional assistance that you can only get from talking to an agent. Drivers can price shop your coverage online but have a local agent actually write the policy.

Just remember that comparing all the rates in your area helps locate better pricing.

The companies in the list below are our best choices to provide quotes in Arizona. If you wish to find cheap car insurance in Arizona, it’s a good idea that you visit as many as you can to get a more complete price comparison.

Rates and other information

The rate information shown below outlines detailed analysis of coverage prices for Acura MDX models. Having a better idea how insurance rates are formulated can help you make informed decisions when shopping around for a new policy.

Acura MDX Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $182 $262 $282 $16 $84 $826 $69
MDX with Tech Package 4WD $182 $308 $282 $16 $84 $872 $73
MDX with Tech/Entertainment 4WD $182 $308 $282 $16 $84 $872 $73
MDX Advance 4WD $182 $308 $282 $16 $84 $872 $73
MDX Advance/Entertainment 4WD $182 $308 $282 $16 $84 $872 $73
Get Your Own Custom Quote Go

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in specific location information which can change coverage prices greatly.

Higher deductibles lower rates

When shopping for auto insurance, a common question is which deductibles should you choose. The tables below sum up the premium difference of buying low and high comp and collision deductibles. The first set of rates uses a $100 physical damage deductible and the second rate chart uses a $1,000 deductible.

Acura MDX insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $324 $466 $300 $18 $90 $1,223 $102
MDX with Tech Package 4WD $324 $548 $300 $18 $90 $1,305 $109
MDX with Tech/Entertainment 4WD $324 $548 $300 $18 $90 $1,305 $109
MDX Advance 4WD $324 $548 $300 $18 $90 $1,305 $109
MDX Advance/Entertainment 4WD $324 $548 $300 $18 $90 $1,305 $109
Get Your Own Custom Quote Go

Acura MDX insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $180 $246 $300 $18 $90 $834 $70
MDX with Tech Package 4WD $180 $290 $300 $18 $90 $878 $73
MDX with Tech/Entertainment 4WD $180 $290 $300 $18 $90 $878 $73
MDX Advance 4WD $180 $290 $300 $18 $90 $878 $73
MDX Advance/Entertainment 4WD $180 $290 $300 $18 $90 $878 $73
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Prices do not factor in specific zip code location which can alter price quotes substantially.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $36 more each month or $432 a year averaged for all MDX models than buying the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 25 months between claims, you would more than likely save some money going with the higher deductible. The table below shows a better example of how you can make your own decision.

Average monthly premium for $100 deductibles: $108
Average monthly premium for $1,000 deductibles (subtract): – $72
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

The chart below demonstrates how choosing different deductibles and can increase or decrease Acura MDX annual premium costs for different ages of insureds. Data assumes a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

Careless drivers pay higher rates

The information below demonstrates how citations and accident claims increase Acura MDX auto insurance costs for different ages of insureds. The information is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

Local neighborhood agents and car insurance

Many drivers would prefer to talk to an insurance agent. The best thing about comparing rate quotes online is the fact that you can find the lowest rates but still work with a licensed agent. Supporting neighborhood agents is definitely important in Tucson.

Insurance agency in TucsonUpon completion of this short form, your insurance coverage information is sent to insurance agents in Tucson that can give you free Tucson car insurance quotes for your business. You don’t have to search for an agent since rate quotes are delivered to you. You can find lower rates and an insurance agent to talk to. If you want to compare rates from a particular provider, you just need to navigate to their website and give them your coverage information.

Below are Tucson car insurance companies willing to provide price quotes for Acura MDX insurance in Tucson.

7487 E Broadway BlvdTucson, AZ 85710(520) 296-9525View Map

405 E Wetmore Rd g115Tucson, AZ 85705(520) 888-5000View Map

10222 E Rita Rd #110Tucson, AZ 85747(520) 574-3223View Map

4925 E 5th St Suite # 101Tucson, AZ 85711(520) 323-6887View Map

View more agents

Deciding on an insurer shouldn’t rely on just a cheap quote. The following questions are important to ask.

Insuring your vehicle just makes sense

Despite the potentially high cost of Acura MDX insurance, buying auto insurance is most likely required but also gives you several important benefits.

First, most states have minimum mandated liability insurance limits which means the state requires a specific level of liability protection if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your car with a loan, most banks will require that you carry insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank may insure your Acura for a lot more money and force you to pay a much higher amount than you were paying before.

Third, auto insurance preserves not only your Acura MDX but also your assets. Insurance will pay for many types of medical costs that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of having insurance are definitely more than the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver overpays more than $820 a year so smart consumers compare quotes every year to ensure rates are competitive.

Auto insurance coverages

Learning about specific coverages of your car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by car insurance companies.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a 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 rolling your car, scraping a guard rail, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible on your MDX to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many Arizona drivers carry very low liability coverage limits (15/30/10), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are set the same as your liability limits.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hitting a bird and hitting a deer. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability – This provides protection from damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

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 policy limits of 15/30/10 which stand for a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and $10,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as pain and suffering, bail bonds and structural damage. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible. Arizona state minimum liability requirements are 15/30/10 but you should consider buying more coverage.

The chart below demonstrates why low liability limits may not be adequate.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for bills like prosthetic devices, pain medications and funeral costs. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

One last thing to lower rates

You just read quite a bit of information on how to find affordable Acura MDX insurance in Tucson. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest rates are with some of the smallest insurance companies. They may often insure only within specific states and give better rates than their larger competitors like Allstate and Progressive.

A few companies do not offer rate quotes online and most of the time these regional carriers work with independent insurance agents. Affordable Acura MDX insurance in Tucson can be found online as well as from independent agents in Tucson, and you should compare rates from both to have the best chance of lowering rates.

Much more information about auto insurance in Arizona is located at the links below