Save Money on Acura MDX Insurance in Corpus Christi

Discount Acura MDX insuranceThe easiest way to save on Acura MDX insurance is to start comparing prices yearly from companies who sell insurance in Corpus Christi. Price quotes can be compared by following these guidelines.

Step 1: Read about car insurance and the factors you can control to drop your rates. Many rating criteria that increase rates such as speeding tickets, careless driving and a less-than-favorable credit score can be eliminated by making small lifestyle or driving habit changes.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO or Allstate, while agents who are independent can provide rate quotes for a wide range of insurance providers.

Step 3: Compare the new rate quotes to your current policy premium to see if a cheaper price is available. If you find better rates and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

One piece of advice is that you use the same amount of coverage on every price quote and and to analyze as many auto insurance providers as possible. This provides an accurate price comparison and the best price quote selection.

A study showed that a large majority of auto insurance policyholders in Texas kept buying from the same company for at least the last four years, and approximately 38% of consumers have never quoted auto insurance rates at all. With the average premium in the U.S. being $1,847, drivers could pocket as much as 46.5% a year by just shopping around, but they don’t want to take the time to compare rate quotes online.

Best Acura MDX insurance price quotes in Texas

The providers in the list below have been selected to offer free quotes in Corpus Christi, TX. To buy cheap car insurance in Texas, we suggest you visit several of them in order to find the lowest rates.

Insurance rate breakdown

The premium table below outlines different insurance rates for Acura MDX models. Having knowledge of how insurance rates are calculated can be valuable when making informed decisions when comparing rates.

Acura MDX Insurance Rates in Corpus Christi, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $176 $260 $358 $22 $108 $924 $77
MDX with Tech Package 4WD $176 $306 $358 $22 $108 $970 $81
MDX with Tech/Entertainment 4WD $176 $306 $358 $22 $108 $970 $81
MDX Advance 4WD $176 $306 $358 $22 $108 $970 $81
MDX Advance/Entertainment 4WD $176 $306 $358 $22 $108 $970 $81
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Prices do not factor in garaging location in Corpus Christi which can affect auto insurance rates noticeably.

How high should deductibles be?

One frequently asked question is how high should the physical damage deductibles be. The comparisons below summarize how much more you’ll pay between low and high deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Acura MDX insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $412 $592 $382 $22 $114 $1,547 $129
MDX with Tech Package 4WD $412 $698 $382 $22 $114 $1,653 $138
MDX with Tech/Entertainment 4WD $412 $698 $382 $22 $114 $1,653 $138
MDX Advance 4WD $412 $698 $382 $22 $114 $1,653 $138
MDX Advance/Entertainment 4WD $412 $698 $382 $22 $114 $1,653 $138
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Acura MDX insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $300 $400 $382 $22 $114 $1,218 $102
MDX with Tech Package 4WD $300 $472 $382 $22 $114 $1,290 $108
MDX with Tech/Entertainment 4WD $300 $472 $382 $22 $114 $1,290 $108
MDX Advance 4WD $300 $472 $382 $22 $114 $1,290 $108
MDX Advance/Entertainment 4WD $300 $472 $382 $22 $114 $1,290 $108
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium costs do not factor in your specific Corpus Christi location which can influence price quotes greatly.

Based on this data, using a $100 deductible could cost the average driver approximately $29 more each month or $348 for a full year than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 14 months between claim filings, you would probably come out ahead if you choose the higher deductible. The illustration below shows a better example of how you can make your own decision.

Average monthly premium for $100 deductibles: $136
Average monthly premium for $500 deductibles (subtract): – $107
Monthly savings from raising deductible: $29
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One important issue to know is that a higher deductible level results in more money out-of-pocket when you file a claim. You will want to have some savings in the bank in the event you need to pay the deductible for vehicle repair.

The information below shows how choosing a deductible and can increase or decrease Acura MDX insurance costs for each different age category. The price estimates are based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

Reckless driving habits raise Corpus Christi car insurance rates

The chart below shows how traffic citations and fender-benders increase Acura MDX car insurance rates for different age groups. The costs are based on a married female driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.

Comparison of car insurance rates by age and gender in Corpus Christi

The example below illustrates the comparison of Acura MDX insurance rates for male and female drivers. The rates are based on no violations or accidents, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are applied to the premium.

Should you buy full coverage?

The diagram below illustrates the difference between Acura MDX car insurance costs when comparing full coverage to liability only. The data is based on no claims or violations, $100 deductibles, single marital status, and no discounts are taken into consideration.

When to eliminate full coverage

There is no definitive formula for eliminating comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s say your Acura MDX book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after paying the physical damage deductible. If you are paying over $200 a year to have full coverage, then it might be time to buy liability only.

There are some conditions where removing full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Lower rates by qualifying for discounts

Car insurance is not inexpensive, but companies offer discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be asked about prior to getting the savings.Discount car insurance

Discounts lower rates, but some credits don’t apply to the entire cost. Most cut the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will lower the amount you pay for coverage.

The illustration below illustrates the comparison of Acura MDX yearly insurance costs with and without discounts being applied to the rates. The data assumes a female driver, no claims, a clean driving record, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, multi-car, claim-free, and safe-driver discounts applied.

Large car insurance companies and some of the discounts are outlined below.

When comparing rates, check with each company or agent which credits you are entitled to. Some discounts listed above might not be available to policyholders in every state.

Why Your Insurance Costs might be higher

It’s important that you understand a few of the rating criteria that help determine your premiums. If you understand what controls the rates you pay, this allows you to make good choices that may reward you with lower premium levels.

Save by staying claim free – Insurance companies in Texas give better rates to policyholders who only file infrequent claims. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for more catastrophic claims.

Small coverages can add up – There are a lot of extra bells and whistles that sound like a good idea at the time but may not be useful. Things like replacement cost coverage, high-cost glass coverage, and membership fees may be wasting your money. These may sound like a good investment when deciding what coverages you need, but now you might not need them so remove them and pocket the money.

The type of vehicle you drive affects your premiums – The make and model of the car you are insuring makes a huge difference in your car insurance bill. The most favorable rates are usually for small economy passenger cars, but the cost you end up paying is determined by many additional factors.

The chart below uses these assumptions: single male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Acura MDX policy rates compared to other vehicles that have a range of performance rating factors.

You might have higher premiums if you are single – Having a significant other actually saves money on your insurance bill. Having a spouse demonstrates that you tend to be more mature than a single person and statistics show being married results in fewer claims.

Acura MDX insurance claim data – Insurers take into consideration historical loss data for every vehicle when determining insurance rates. Models that statistically have increased claim numbers or amounts will be charged more to insure. The table shown below demonstrates the collected loss data for Acura MDX vehicles.

For each policy coverage type, the statistical loss for all vehicles, as a total average, is equal to 100. Values that are below 100 mean the vehicle has better than average losses, while numbers that are greater than 100 indicate more frequent losses or tendency to have larger claims.

Acura MDX Insurance Claim Statistics
Specific Acura 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

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Local neighborhood agents and auto insurance

A small number of people would prefer to have an agent’s advice and that can be a smart move Agents can help you choose the best coverages and help file insurance claims. A nice benefit of comparing rate quotes online is that you can obtain the lowest rates but also keep your business local.

Once you complete this simple form, your insurance coverage information is instantly submitted to local insurance agents that can provide free Corpus Christi car insurance quotes for your business. You never need to search for any insurance agencies because quoted prices will be sent to you instantly. If you wish to quote rates from a specific company, don’t hesitate to find their quoting web page and give them your coverage information.

Picking an insurer requires you to look at more than just a cheap price. The questions below may impact your decision as well.

Is an exclusive or independent auto insurance agent right for you?

If you want to buy auto insurance from a local agent, it helps to know the two different types of agencies and how they function. Agencies in Corpus Christi are categorized either exclusive or independent agents depending on their company appointments. Both provide auto insurance policies, but it is important to understand the difference in the companies they write for since it could factor into your selection of an agent.

Exclusive Insurance Agencies

Agents in the exclusive channel work for only one company and examples are State Farm, Allstate, or Farmers Insurance. These agents are not able to provide other company’s prices so they have to upsell other benefits. Exclusive agents are usually well trained on sales techniques and that can be a competitive advantage. Consumers often use the same exclusive agent mostly because of the prominence of the brand rather than having low rates.

Below is a short list of exclusive insurance agents in Corpus Christi willing to provide rate quotes.

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Independent Agents

Agents that choose to be independent often have affiliation with several companies so they can quote policies with an assortment of companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to switch agencies. If you are comparing rate quotes, it’s a good idea to get rate quotes from several independent agencies to have the best price comparison. They also have the ability to place coverage with additional companies that you may not be familiar with that may provide cheaper auto insurance rates.

Below is a short list of independent agencies in Corpus Christi willing to provide price quote information.

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Persistence is the key to cheap rates

When shopping online for auto insurance, don’t be tempted to buy less coverage just to save a little money. There have been many cases where drivers have reduced full coverage only to regret at claim time that it was a big mistake. Your goal should be to purchase a proper amount of coverage at the best cost.

Drivers leave their current company for any number of reasons including high rates after DUI convictions, delays in responding to claim requests, extreme rates for teen drivers or questionable increases in premium. Regardless of your reason for switching companies, finding a new auto insurance company is actually quite simple.

Cheaper Acura MDX insurance in Corpus Christi is definitely available from both online companies and also from your neighborhood Corpus Christi agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get quotes online and these regional carriers prefer to sell through independent agents.

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