The best way to get affordable Acura MDX insurance is to annually compare prices from insurers that sell auto insurance in Bakersfield. Price quotes can be compared by following these guidelines.
Step 1: Try to learn a little about how insurance companies determine prices and the measures you can take to prevent rate increases. Many factors that cause rate increases like multiple speeding tickets and a not-so-good credit score can be eliminated by paying attention to minor details. This article provides additional tips to get better rates and find additional discounts you may qualify for.
Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like GEICO and Allstate, while independent agents can provide prices for a wide range of insurance providers.
Step 3: Compare the price quotes to the premium of your current policy to see if cheaper MDX coverage is available. If you find a better price and make a switch, make sure coverage is continuous and does not lapse.
Step 4: Provide notification to your current agent or company to cancel your current coverage. Submit payment and a completed application for the new policy. Don’t forget to safely store the proof of insurance certificate in your vehicle’s glove compartment or console.
A good tip to remember is to make sure you’re comparing identical limits and deductibles on every quote request and and to get rates from all possible companies. Doing this guarantees a level playing field and the best price selection.
Sadly, over 70% of drivers kept buying from the same company for more than four years, and just under half have never compared auto insurance rates at all. Bakersfield consumers could save an average of nearly 35% each year just by comparing rates, but they don’t want to take the time to compare rates and save money.
Discounts mean cheaper rates for Acura MDX insurance in Bakersfield
Car insurance companies don’t always advertise their entire list of discounts very well, so the below list has both well-publicized as well as the least known savings tricks you should be using when you buy Bakersfield car insurance online.
- Pay Early and Save – By making one initial payment instead of making monthly payments you can actually save on your bill.
- Resident Student – Kids who live away from home at college and won’t have access to an insured vehicle may qualify for this discount.
- Seat Belts Save – Using a seat belt and requiring all passengers to fasten their seat belts may be able to save a few bucks off the personal injury premium cost.
- Data Collection Discounts – Policyholders that allow their car insurance company to study when and where they use their vehicle by using a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates as long as the data is positive.
- Senior Discount – Mature drivers can get a slight reduction on a Bakersfield car insurance quote.
- Good Students Pay Less – Getting good grades may save as much as 25% on a Bakersfield car insurance quote. The discount lasts up until you turn 25.
- More Vehicles More Savings – Insuring more than one vehicle on one policy qualifies for this discount.
- Military Deployment Discount – Having a family member in the military may lower your prices slightly.
Drivers should understand that most discount credits are not given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic.
The illustration below illustrates the comparison of Acura MDX insurance prices with and without discounts applied to the policy rates. The costs are based on a female driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, homeowner, multi-car, and safe-driver discounts applied.
Car insurance companies that possibly offer many of the previously listed discounts include:
If you are trying to find affordable Acura MDX insurance quotes, ask each insurance company which credits you are entitled to. A few discounts might not apply in Bakersfield. To see a list of insurance companies offering car insurance discounts in Bakersfield, click here.
The best way to compare car insurance rates for Acura MDX insurance in Bakersfield is to know most larger insurance companies participate in a system to provide you with a free rate quote. The one thing you need to do is give them some information like if you require a SR-22, distance driven, how old drivers are, and how much coverage you want. The data gets sent immediately to multiple insurance providers and you should receive rate quotes quickly.
If you wish to get multiple quotes for your car now, click here and enter the information requested.
The auto insurance companies shown below can provide free quotes in California. If more than one company is shown, it’s highly recommended you visit two to three different companies in order to get a fair rate comparison.
Acura MDX insurance charts and tables
The coverage information displayed below outlines estimates of insurance prices for Acura MDX models. Having a good understanding how car insurance premiums are calculated is important for you to make decisions on which insurance to purchase.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|MDX with Tech Package 4WD||$294||$524||$596||$36||$178||$1,628||$136|
|MDX with Tech/Entertainment 4WD||$294||$524||$596||$36||$178||$1,628||$136|
|MDX Advance 4WD||$294||$524||$596||$36||$178||$1,628||$136|
|MDX Advance/Entertainment 4WD||$294||$524||$596||$36||$178||$1,628||$136|
|Get Your Own Custom Quote Go|
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in your specific Bakersfield location which can modify prices noticeably.
The diagram below shows how choosing a deductible and can impact Acura MDX premium costs for each different age group. The premiums are based on a single male driver, comp and collision included, and no discounts are factored in.
How violations and accidents impact rates
The diagram below highlights how speeding tickets and at-fault fender-benders impact Acura MDX car insurance rates for each different age category. The price estimates are based on a married male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
Difference between liability only and full coverage rates
The chart below shows the comparison of Acura MDX auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no violations or accidents, $250 deductibles, drivers are single, and no discounts are applied.
Are you wasting money paying for full coverage?
There is no definitive formula for dropping physical damage insurance, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s say your Acura MDX replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $2,000 after paying your policy deductible. If premiums are more than $200 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some cases where dropping full coverage is not a good idea. If you haven’t satisfied your loan, you have to keep full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not buy liability only.
How Insurers Calculate Acura MDX Insurance Prices
Many factors are part of the calculation when you get your auto insurance bill. Most are fairly basic like your driving record, but other factors are not as apparent like your continuous coverage and annual miles driven. One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively determines base rates, this allows you to make educated decisions that will entitle you to better auto insurance rates.
The items below are some of the items utilized by car insurance companies to help set your rates.
Buy a safe car and pay less – Cars with five star safety ratings tend to have better insurance rates. Highly rated vehicles help reduce the chance of injuries in an accident and fewer serious injuries translates into savings for insurance companies which can mean better rates for you. If the Acura MDX earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
Occupation impacts rates – Careers like real estate brokers, architects, and stock brokers are shown to have the highest average rates attributed to high stress and long work days. Other careers such as professors, students and performers pay the least.
Men pay more for insurance coverage – Over time, data shows that females tend to be a little less risky than males. That doesn’t necessarily mean that men are worse drivers. Men and women cause at-fault accidents at a similar rate, but the males tend to have more serious accidents. Men also get cited for more serious violations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore have the most expensive auto insurance rates.
The information below shows the difference between Acura MDX insurance prices for male and female drivers. The rates are based on a clean driving record, no claims, full coverage, $500 deductibles, drivers are single, and no policy discounts are applied.
How credit score affects auto insurance costs – Credit history is a big factor in calculating your premium rate. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with poor credit. If your credit can be improved, you could pay less to insure your Acura MDX by improving your credit score.
How old are your drivers? – Beginning drivers in California are proven to be more careless when driving with friends so auto insurance rates are higher. Parents adding a first-time driver to your policy can increase premiums substantially. Older insureds tend to be more responsible, tend to cause fewer accidents, and are generally more financially stable.
The following chart uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Mileage impacts costs – Driving a lot of miles in a year’s time the more it will cost to insure it. Almost all companies calculate rates partially by how you use the vehicle. Cars left parked in the garage can be on a lower rate level than cars that get driven a lot. Having an incorrect usage rating on your MDX may be costing you higher rates. It’s a smart idea to ensure your auto insurance declarations sheet correctly shows the correct driver usage.
Never go without auto insurance – Driving any period of time without insurance can get you a ticket and companies may charge more for letting your coverage cancel without a new policy in place. Not only will you pay higher rates, getting caught without coverage could result in a license revocation or jail time. You could then be forced to provide proof of insurance in the form of an SR-22 filing with the California motor vehicle department.
Can a thief steal your car? – Owning a car that has an advanced theft prevention system can help lower your rates. Systems that thwart thieves like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft.
Insurance loss data for Acura MDX vehicles – Auto insurance companies use claims history to calculate a rate that will offset any claims. Vehicles that tend to have a trend towards higher claim severity or frequency will have a higher cost to insure. The table below illustrates the historical insurance loss data for Acura MDX vehicles.
For each policy coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, equals 100. Numbers that are below 100 mean the vehicle has better than average losses, while numbers above 100 point to more frequent losses or a tendency for claims to be larger.
|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|
Statistics from IIHS.org for 2013-2015 Model Years
When should I get advice from a local insurance agent?
A lot of people still like to sit down and talk to an agent and that is OK! The best thing about comparing rates online is the fact that you can find better rates and also buy local. And providing support for local agencies is important particularly in Bakersfield.
After completing this simple form, the coverage information is sent to local insurance agents that can give you free Bakersfield car insurance quotes for your insurance coverage. It makes it easy because there is no need to contact any agents because prices are sent instantly to you. You can get cheaper insurance rates without having to waste a lot of time. If for some reason you want to compare rates from a specific insurance provider, don’t hesitate to navigate to their website and give them your coverage information.
Choosing an insurer should include more criteria than just the price. These are some valid questions you should ask.
- Are all drivers listed on the coverage quote?
- Do they carry Errors and Omissions coverage?
- Does the company use OEM repair parts?
- Does the agency have a positive business rating?
- How are they compensated?
Auto insurance in California serves several purposes
Despite the high cost, paying for auto insurance serves an important purpose.
- Most states have mandatory insurance requirements which means the state requires specific limits of liability insurance in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your MDX has a lienholder, most banks will have a requirement that you have full coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank or lender will purchase a policy for your Acura for a lot more money and require you to reimburse them much more than you were paying before.
- Auto insurance protects not only your Acura MDX but also your financial assets. It will also pay for all forms of medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance are definitely more than the cost, particularly for liability claims. According to a 2015 survey, the average American driver overpays more than $865 each year so it’s very important to do a rate comparison once a year at a minimum to ensure rates are competitive.
Get the best coverage at the lowest price
When shopping online for auto insurance, you should never buy less coverage just to save a little money. Too many times, drivers have reduced full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at the best price but still have enough coverage for asset protection.
Lower-priced auto insurance in Bakersfield can be bought online and with local Bakersfield insurance agents, so you need to shop Bakersfield car insurance with both in order to have the best price selection to choose from. A few companies do not provide online quoting and many times these small insurance companies sell through independent agents.
We just showed you quite a bit of information on how to get a better price on Acura MDX insurance in Bakersfield. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even be surprised to find that the lowest prices come from some of the lesser-known companies.
Additional information can be read at these links:
- What is Covered by GAP Insurance? (Allstate)
- How Much are Car Insurance Quotes for a Hyundai Elantra in Bakersfield? (FAQ)
- Who Has Affordable Car Insurance Rates for a Toyota Camry in Bakersfield? (FAQ)
- How Much are Car Insurance Rates for Seniors in Bakersfield? (FAQ)
- Who Has the Cheapest Auto Insurance for Teenage Males in Bakersfield? (FAQ)
- Rental Car Insurance Tips (Insurance Information Institute)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Child Safety FAQ (iihs.org)
- Medical Payments Coverage (Liberty Mutual)