Save on Acura MDX Insurance in Long Beach

Being forced to pay for expensive auto insurance premiums can sap your checking account and make it impossible to make ends meet. Comparing rate quotes can save money and help to ensure you are getting the best deal.

Insurance quote for Acura MDX in Long BeachUnbelievable but true, almost 70% of drivers have purchased from the same company for well over three years, and just under half have never even shopped around for affordable coverage. California drivers can cut their rates by roughly $470 a year by just comparing rate quotes, but they just don’t understand the big savings they would realize if they moved their coverage to a different company.

How to buy low-cost Acura MDX insurance in Long Beach

If your goal is the lowest price, then the best way to get the cheapest car insurance rates in Long Beach is to start comparing prices regularly from different companies who provide car insurance in California.

  1. Get an understanding of how insurance companies determine prices and the things you can control to keep rates down. Many policy risk factors that increase rates such as at-fault accidents, careless driving, and an unacceptable credit history can be amended by making minor changes in your lifestyle. Keep reading for more information to get low prices and get bigger discounts that may have been overlooked.
  2. Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like Progressive or Farmers Insurance, while independent agencies can quote rates for a wide range of insurance providers. Click to view companies
  3. Compare the quotes to your existing coverage to determine if switching companies saves money. If you can save some money and buy the policy, ensure coverage does not lapse between policies.

A crucial key to this process is that you’ll want to compare similar deductibles and liability limits on each quote and and to get price quotes from every insurance company. This enables a fair rate comparison and the most accurate and complete price analysis.

Due to the fact that there are so many options when it comes to auto insurance, it’s nearly impossible to locate the lowest price insurer.

Quoting and comparing the cheapest car insurance coverage in Long Beach is not as hard as you think. Nearly each driver who has to purchase car insurance should be able to cut their insurance bill. But California consumers benefit from understanding the way companies price insurance differently.

What Determines Acura MDX Insurance Rates?

Part of the auto insurance buying process is learning some of the things that come into play when calculating the rates you pay for auto insurance. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to lower premium levels.

The itemized list below are some of the major factors that factor into your rate level.

Low stress vocation equals lower rates – Did you know your job can affect your rates? Careers such as military personnel, police officers, and miners have the highest rates in part from intense work-related stress and lots of time spent away from family. Other jobs like actors, historians and performers get better rates.

High deductibles save money – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Examples of covered claims are a dented fender, flood damage, and windstorm damage. Comprehensive and collision coverage deductibles are the amount of money you are required to spend if a claim is determined to be covered. The higher the amount you pay before a claim is paid (deductible), the better rate you will receive.

Having a spouse brings a discount – Getting married can get you a discount on auto insurance. Having a significant other may mean you are more stable financially it has been statistically shown that being married results in fewer claims.

More people means more accidents – Choosing to live in small towns and rural areas may provide you with better prices when buying auto insurance. People in densely populated areas tend to have more road rage incidents and more severe claims. Less people living in that area means fewer accidents in addition to fewer liability claims.

Insurance loss probability for an Acura MDX – Companies include the past claim trends for vehicles when determining insurance prices. Vehicles that the data determines to have a trend towards higher claim severity or frequency will be charged more to insure.

The table below illustrates the collected loss data for Acura MDX vehicles. For each coverage category, the claim probability for all vehicles compiled together is represented as 100. Numbers shown that are under 100 represent a good loss history, while percentages above 100 show a trend for more claims or an increased likelihood of larger losses.

Auto Insurance Loss Data for Acura MDX Models
Vehicle 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

Insurance coverage analysis

The information displayed below covers detailed analysis of insurance policy prices for Acura MDX models. Learning a little about how auto insurance premiums are calculated is important for drivers to make decisions on the best policy to buy.

Acura MDX Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $430 $576 $442 $26 $132 $1,606 $134
MDX with Tech Package 4WD $430 $678 $442 $26 $132 $1,708 $142
MDX with Tech/Entertainment 4WD $430 $678 $442 $26 $132 $1,708 $142
MDX Advance 4WD $430 $678 $442 $26 $132 $1,708 $142
MDX Advance/Entertainment 4WD $430 $678 $442 $26 $132 $1,708 $142
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Estimates do not factor in garaging location in Long Beach which can modify auto insurance rates substantially.

Physical damage deductibles

One frequently asked question is at what level do you set your deductibles. The tables below can help illustrate the costs and benefits of buying low and high deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Acura MDX insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $478 $686 $442 $26 $132 $1,789 $149
MDX with Tech Package 4WD $478 $810 $442 $26 $132 $1,913 $159
MDX with Tech/Entertainment 4WD $478 $810 $442 $26 $132 $1,913 $159
MDX Advance 4WD $478 $810 $442 $26 $132 $1,913 $159
MDX Advance/Entertainment 4WD $478 $810 $442 $26 $132 $1,913 $159
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Acura MDX insurance premium estimates 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
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Data based on 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, claim-free, and homeowner. Prices do not factor in specific location information which can revise premium rates considerably.

Based on this data, using a $100 deductible will cost you roughly $50 more each month or $600 annually than selecting the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you go at least 18 months between claims, you would probably be better off if you choose the higher deductible. Here is the way you can come to your own conclusion.

Average monthly premium for $100 deductibles: $157
Average monthly premium for $1,000 deductibles (subtract): – $107
Monthly savings from raising deductible: $50
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $50
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

An important sidenote is that raising deductibles to get cheaper rates results in more money out-of-pocket when you have a claim. You need to have enough disposable income in order to pay more for the deductible.

The information below illustrates how choosing a deductible and can change Acura MDX insurance costs for each different age category. The rate quotes are based on a single male driver, comp and collision included, and no additional discounts are factored in.

Rate difference between full and liability-only coverage

The chart below compares Acura MDX insurance costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on no claims, a clean driving record, $250 deductibles, drivers are single, and no policy discounts are applied.

Guidelines for eliminating full coverage

There is no written rule to drop full coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s say your Acura MDX replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after paying the physical damage deductible. If it’s costing in excess of $400 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where buying only liability insurance is not a good idea. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should maintain full coverage.

Cheap Long Beach auto insurance rates with discounts

Insuring your vehicles can cost a lot, but you can get discounts to help bring down the price. Certain credits will be shown when you purchase, but occasionally some discounts must be asked about before they will apply. If you do not check that you are getting every discount possible, you may be paying too high a price.Save money with discounts

Don’t be shocked that some of the credits will not apply to the overall cost of the policy. Most cut specific coverage prices like collision or personal injury protection. Even though it may seem like you can get free auto insurance, you won’t be that lucky.

The diagram below visualizes the comparison of Acura MDX insurance premiums with and without discounts applied to the policy rates. The data assumes a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, homeowner, claim-free, and multi-policy discounts applied.

Car insurance companies that have some of the discounts shown above possibly include:

If you need lower rates, check with every insurance company which credits you are entitled to. Some credits might not be available to policyholders in Long Beach. If you would like to choose from a list of insurers that offer some of these discounts in California, click here.

Be persistent to save money

We just covered a lot of tips how to shop for Acura MDX insurance online. The key thing to remember is the more companies you get rates for, the higher your chance of finding cheaper Long Beach auto insurance quotes. Consumers could even find that the lowest prices are with the smaller companies.

A few companies may not provide the ability to get quotes online and these regional insurance providers prefer to sell through independent agencies. The cheapest Acura MDX insurance in Long Beach can be bought both online as well as from insurance agents, and you need to comparison shop both to have the best rate selection.

As you restructure your insurance plan, it’s very important that you do not buy poor coverage just to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

How to find affordable Acura MDX insurance in Long Beach

Really, the only way to save money on Acura MDX insurance in Long Beach is to regularly compare quotes from companies who sell auto insurance in California.

Step 1: Try to comprehend policy coverages and the things you can change to lower rates. Many things that are responsible for high rates like at-fault accidents and an imperfect credit score can be amended by improving your driving habits or financial responsibility.

Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and State Farm, while agents who are independent can quote prices for many different companies.

Step 3: Compare the quotes to your existing policy and determine if there is any savings. If you find a better price, ensure coverage does not lapse between policies.

Step 4: Provide notification to your current agent or company to cancel your current car insurance policy and submit a down payment along with a signed application to the newly selected company. Once coverage is bound, store the proof of insurance certificate in an easily accessible location in your vehicle.

A crucial key to this process is that you’ll want to compare identical coverages on every quote request and and to get rates from as many companies as you can. Doing this enables a fair rate comparison and the best price selection.

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