Cheapest Acura MDX Insurance in Mesa

If saving money is your primary concern, then the best way to get budget Acura MDX insurance is to start comparing rates regularly from different companies that insure vehicles in Mesa.

Step 1: Try to understand coverages and the measures you can take to prevent rate increases. Many rating factors that are responsible for high rates such as speeding tickets, accidents and an unacceptable credit score can be controlled by making minor driving habit or lifestyle changes.

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

Step 3: Compare the quotes to the premium of your current policy and determine if cheaper MDX coverage is available. If you find better rates and make a switch, make sure there is no coverage gap between policies.

The critical component of shopping around is to try to compare similar coverage information on each price quote and and to get rates from as many companies as possible. This provides the most accurate price comparison and a better comparison of the market.

It’s astonishing, but a large majority of insurance policyholders in Arizona kept their coverage with the same insurance company for more than four years, and almost half have never quoted insurance rates at all. With the average insurance premium being $1,847, American drivers can cut their rates by $860 a year by just comparing quotes, but they don’t want to take the time to find cheap rates by getting comparison quotes.

Finding a lower price on insurance can be quick and easy. All that’s required is to spend a little time to get quotes online from several insurance companies.

Comparing price quotes online is fast and free, and it takes the place of having to waste gas driving to all the different insurance agencies. The ability to buy insurance online eliminates the middleman unless you require the professional abilities that you can only get from talking to an agent. Some companies do allow you to comparison shop online and have a local agent actually service the policy.

The providers in the list below are our best choices to provide price comparisons in Arizona. To locate the best car insurance in Arizona, it’s a good idea that you visit several of them in order to get a fair rate comparison.

Rates and data analysis

The rate table displayed next outlines detailed analysis of insurance costs for Acura MDX models. Having insight into how insurance prices are established can assist in making decisions when choosing a new policy provider.

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can affect premiums substantially.

Raise deductibles and save

When comparing auto insurance rates, the most common question is which deductibles should you choose. The tables below sum up the differences in premium rates when you buy lower versus higher physical damage deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Information does not factor in your specific Mesa location which can raise or lower coverage prices considerably.

We can estimate from the data above that using a $100 deductible would cost the average driver about $24 more each month or $288 every year than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 17 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

Reckless driving habits raise Mesa auto insurance rates

The diagram below illustrates how violations and at-fault fender-benders raise Acura MDX auto insurance costs for each age group. The premiums are based on a married female driver, full coverage, $250 deductibles, and no discounts are applied.

Insurance is not optional in Arizona

Even though Mesa MDX insurance rates can get expensive, insurance may be required and benefits you in several ways.

• Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability coverage in order to be legal. 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.
• If you have a loan on your vehicle, it’s guaranteed your bank will force you to have comprehensive coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender may insure your Acura at a more expensive rate and require you to fork over a much higher amount than you were paying before.
• Insurance preserves your Acura MDX and your assets. It will also pay for medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If mother nature or an accident damages your car, your policy will cover the repair costs.

The benefits of having insurance outweigh the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver overpays as much as $865 each year so compare rates at least once a year to make sure the price is not too high.

Save a ton on Acura MDX insurance in Mesa with these seven car insurance discounts

Companies don’t always publicize every available discount very well, so the next list breaks down some of the more common and the harder-to-find discounts you could be receiving when you buy Mesa auto insurance online.

• Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
• Student in College – College-age children who live away from home at college and don’t have a car may be able to be covered for less.
• Responsible Drivers – Drivers who avoid accidents can save up to 40% or more on their Mesa auto insurance quote compared to accident prone drivers.
• Discount for New Cars – Buying a new car model can save up to 30% because newer models keep occupants safer.
• Save over 55 – If you’re over the age of 55, you are able to get a small discount on rates.
• Good Students Pay Less – Getting good grades may save as much as 25% on a Mesa auto insurance quote. The good student discount can last well after school through age 25.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.

Consumers should know that some of the credits will not apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. Just because you may think adding up those discounts means a free policy, nobody gets a free ride. But all discounts should help lower your overall premium however.

The information below shows the difference between Acura MDX annual premium costs with and without policy discounts. The information is based on a male driver, no violations or accidents, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, multi-policy, claim-free, and multi-car discounts applied.

Large car insurance companies and a partial list of their discounts are shown below.

• Farm Bureau offers premium reductions for safe driver, multi-policy, 55 and retired, good student, multi-vehicle, renewal discount, and youthful driver.
• MetLife has savings for good driver, multi-policy, good student, claim-free, defensive driver, and accident-free.
• Progressive offers discounts for online signing, good student, online quote discount, homeowner, and continuous coverage.
• AAA has discounts for multi-policy, pay-in-full, multi-car, good student, and good driver.
• American Family discounts include defensive driver, air bags, multi-vehicle, TimeAway discount, early bird, and Steer into Savings.
• GEICO may offer discounts for five-year accident-free, federal employee, seat belt use, driver training, and anti-theft.
• State Farm policyholders can earn discounts including good driver, defensive driving training, multiple policy, anti-theft, and Steer Clear safe driver discount.

Double check with every prospective company how you can save money. Some discounts listed above may not be offered in your state.

How do I know if I need professional advice?

When selecting the right insurance coverage, there really is no perfect coverage plan. Your financial needs are unique and your insurance should unique, too.
For example, these questions can aid in determining whether you could use an agent’s help.

• If my Acura MDX is totaled, can I afford another vehicle?
• If I drive on a suspended license am I covered?
• Am I covered if I wreck a rental car?
• What companies insure drivers after a DUI or DWI?
• What is the minimum liability in Arizona?
• Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

What if I want to buy from local Mesa insurance agents?

Some consumers still prefer to buy from a licensed agent and that is OK! Experienced insurance agents are trained risk managers and help in the event of a claim. The biggest benefit of comparing rates online is the fact that you can find the lowest rates and still choose a local agent.

After filling out this form (opens in new window), your insurance coverage information is transmitted to agents in your area who can give free rate quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your house because quoted prices will be sent to the email address you provide. In the event you want to compare prices from a particular provider, don’t hesitate to go to their quote page and complete a quote there.

Finding a good company is decision based upon more than just the price. Any good agent in Mesa should know the answers to these questions.

• Are there any discounts that you might be missing?
• If your car is in the repair shop, do you have coverage for a rental car?
• Do they see any coverage gaps in your plan?
• Are aftermarket or OEM parts used to repair vehicles?
• Where would your vehicle be repaired?

If you would like to find an insurance agent, it’s important to understand the different agency structures and how they are distinctly different. Insurance agencies in Mesa are considered either independent (non-exclusive) or exclusive. Either one can provide auto insurance policies, but it’s important to point out how they differ since it may influence which agent you choose.

Exclusive Insurance Agencies

Exclusive agents can only place business with one company and some examples include American Family, State Farm, and AAA. Exclusive agencies are unable to give you multiple price quotes so they have to upsell other benefits. Exclusive insurance agents are well schooled on their products and sales techniques and that allows them to sell at a higher price point.

Below is a list of exclusive insurance agencies in Mesa that are able to give rate quotes.

More Mesa agents

Independent Insurance Agents

Agents that elect to be independent often have many company appointments so as a result can place your coverage with an assortment of companies and possibly get better coverage at lower prices. If you want to switch companies, an independent agent can move your coverage and the insured can keep the same agent.

When comparing rates, we highly recommend that you get insurance quotes from multiple independent agents to have the best price comparison.

Listed below are Mesa independent agencies that can give you price quote information.

More Mesa agents

Auto insurance coverage information

Having a good grasp of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages found on most car insurance policies.

Uninsured and underinsured coverage – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many Arizona drivers carry very low liability coverage limits (which is 15/30/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses like prosthetic devices, pain medications, rehabilitation expenses, X-ray expenses and dental work. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverage – This pays for damage to your MDX from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with another moving vehicle, sustaining damage from a pot hole, driving through your garage door, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible on your MDX to bring the cost down.

Auto liability – Liability insurance protects you from damage that occurs to other’s property or people. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 15/30/10 that means you have a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a total limit of $10,000 for damage to vehicles and property.

Liability can pay for things like repair costs for stationary objects, loss of income, medical services, legal defense fees and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Arizona state law requires minimum liability limits of 15/30/10 but you should consider buying more liability than the minimum.

The chart below shows why buying low liability limits may not be enough coverage.

Comprehensive coverages – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, a broken windshield, damage from flooding and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

The best insurance company isn’t always the cheapest

More affordable insurance in Mesa can be purchased both online as well as from insurance agents, so you need to shop Mesa auto insurance with both to have the best rate selection. Some insurance companies may not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at an affordable rate and still be able to protect your assets.

Additional information can be read below:

• Understanding Car Crashes Video (iihs.org)
• Who Has Affordable Auto Insurance Quotes for a Chevrolet Silverado in Mesa? (FAQ)
• Who Has Cheap Mesa Car Insurance Rates for Seniors? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for Drivers with Accidents in Mesa? (FAQ)
• Safety Belts FAQ (iihs.org)
• What is Full Coverage? (Allstate)