Cheapest Acura MDX Insurance in Mesa

Insurance for Acura MDXIf 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.

Acura MDX Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $332 $390 $392 $24 $118 $1,256 $105
MDX with Tech Package 4WD $332 $460 $392 $24 $118 $1,326 $111
MDX with Tech/Entertainment 4WD $332 $460 $392 $24 $118 $1,326 $111
MDX Advance 4WD $332 $460 $392 $24 $118 $1,326 $111
MDX Advance/Entertainment 4WD $332 $460 $392 $24 $118 $1,326 $111
Get Your Own Custom Quote Go

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.

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 $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $236 $314 $300 $18 $90 $958 $80
MDX with Tech Package 4WD $236 $370 $300 $18 $90 $1,014 $85
MDX with Tech/Entertainment 4WD $236 $370 $300 $18 $90 $1,014 $85
MDX Advance 4WD $236 $370 $300 $18 $90 $1,014 $85
MDX Advance/Entertainment 4WD $236 $370 $300 $18 $90 $1,014 $85
Get Your Own Custom Quote Go

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.

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.Discount car insurance

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.

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.Higher deductibles save money
For example, these questions can aid in determining whether you could use an agent’s help.

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.

Find insurance agent in MesaAfter 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.

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.

Pete Rivera – State Farm Insurance Agent
104 W Main StMesa, AZ 85201(480) 964-1766View Map

1847 S Greenfield Rd Ste 107Mesa, AZ 85206(480) 892-1779View Map

Pete Evans – State Farm Insurance Agent
5616 E McKellips Rd #105Mesa, AZ 85215(480) 985-1952View Map

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.

3950 E Broadway Rd # 102Mesa, AZ 85206(480) 964-2400View Map

2815 S Alma School Rd #111Mesa, AZ 85210(480) 839-8488View Map

1550 E University DrMesa, AZ 85203(480) 668-7000View Map

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.

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