Save Money on Acura MDX Insurance in San Jose

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Discount Acura MDX insuranceTruthfully, the best way to get low-cost auto insurance rates is to compare prices regularly from providers who can sell car insurance in San Jose. Price quotes can be compared by completing these steps.

  • Step 1: Get an understanding of how auto insurance works and the factors you can control to prevent rate increases. Many rating criteria that increase rates like at-fault accidents and poor credit can be eliminated by paying attention to minor details. Keep reading for more ideas to lower rates and get discounts that may be overlooked.
  • Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like Progressive or State Farm, while agents who are independent can quote prices from many different companies.
  • Step 3: Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find better rates and buy the policy, make sure there is no lapse in coverage.

One key aspect when comparing rates is to use identical limits and deductibles on each price quote and and to get prices from as many carriers as you can. Doing this enables the most accurate price comparison and the most accurate and complete price analysis.

It's hard to believe, but over 70% of consumers have stayed with the same insurance company for more than four years, and nearly 40% of drivers have never shopped around. San Jose drivers could save up to $500 each year, but most tend to underestimate how much money they would save if they changed companies.

Finding the lowest cost car insurance coverage in San Jose is not as time-consuming as you think. If you are insured now or are shopping for new coverage, use these money-saving tips to reduce the price you pay without having to cut coverage. Vehicle owners just need to learn the quickest way to compare price quotes using one simple form.

Low cost Acura MDX insurance prices in San Jose, California

Lowering your Acura MDX auto insurance rates is actually quite simple. Drivers just need to spend a few minutes on the computer getting comparison quotes to find out which insurance company has cheaper San Jose auto insurance quotes.

The companies shown below can provide free quotes in San Jose, CA. If more than one company is shown, we recommend you get prices from several of them to get a more complete price comparison.

Coverage information

The price information shown below highlights a range of insurance policy prices for Acura MDX models. Knowing how insurance prices are established can aid in making informed purchases.

Acura MDX Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $228 $372 $500 $30 $150 $1,280 $107
MDX with Tech Package 4WD $228 $440 $500 $30 $150 $1,348 $112
MDX with Tech/Entertainment 4WD $228 $440 $500 $30 $150 $1,348 $112
MDX Advance 4WD $228 $440 $500 $30 $150 $1,348 $112
MDX Advance/Entertainment 4WD $228 $440 $500 $30 $150 $1,348 $112
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can impact insurance rates considerably.

Should you raise deductibles?

One of the more difficult decisions when buying auto insurance is which comprehensive and collision deductibles to buy. The tables below may help you to understand the difference in cost when you buy lower versus higher physical damage deductibles. The first pricing table uses a $250 deductible for comp and collision and the second price table uses a $500 deductible.

Acura MDX insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $430 $576 $442 $26 $132 $1,631 $136
MDX with Tech Package 4WD $430 $678 $442 $26 $132 $1,733 $144
MDX with Tech/Entertainment 4WD $430 $678 $442 $26 $132 $1,733 $144
MDX Advance 4WD $430 $678 $442 $26 $132 $1,733 $144
MDX Advance/Entertainment 4WD $430 $678 $442 $26 $132 $1,733 $144
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Acura MDX insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $348 $464 $442 $26 $132 $1,412 $118
MDX with Tech Package 4WD $348 $546 $442 $26 $132 $1,494 $125
MDX with Tech/Entertainment 4WD $348 $546 $442 $26 $132 $1,494 $125
MDX Advance 4WD $348 $546 $442 $26 $132 $1,494 $125
MDX Advance/Entertainment 4WD $348 $546 $442 $26 $132 $1,494 $125
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in San Jose location which can lower or raise prices significantly.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $18 more each month or $216 a year than selecting the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 14 months between claim filings, you would probably come out ahead if you opt for a higher deductible.

Acura MDX insurance rates by gender

The chart below compares Acura MDX annual premium costs for male and female drivers. The rates are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no policy discounts are applied.

Full coverage rates vs. liability-only in San Jose

The diagram below shows the comparison of Acura MDX yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The premiums are based on no claims or driving citations, $1,000 deductibles, single status, and no other discounts are factored in.

When to stop buying full coverage

There is no set guideline to exclude comp and collision coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let's pretend your Acura MDX replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $4,000 after paying the physical damage deductible. If premiums are more than $400 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are some situations where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not buy liability only.

Four Tips to Get Cheaper San Jose Insurance Rates

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that play a part in calculating your premiums. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that may reward you with cheaper rates.

Experienced drivers pay less - Youthful drivers in California are statistically proven to be less responsible when driving therefore auto insurance rates are much higher. Adding a beginning driver to your policy can cause a big jump in price. Older people have been proven to be more responsible, statistically cause fewer accidents, and usually have better credit.

The chart below uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

File claims and pay more - If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Car insurance companies in California generally give cheaper rates to insureds that do not abuse their auto insurance. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.

Traffic violations will cost you - Drivers with clean records receive lower rates than their less careful counterparts. Even one speeding ticket or other violation can increase rates to the point where it's not affordable. Drivers who get multiple tickets like reckless driving, hit and run or driving under the influence may find that they have to to submit a SR-22 form with their state's department of motor vehicles in order to prevent a license revocation.

The chart below demonstrates how traffic citations and at-fault accidents raise Acura MDX insurance costs for different age categories. The prices are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

Insure your auto and home with one company - The majority of companies give a discount to customers that have more than one policy, otherwise known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to check prices from other companies to ensure the best deal.

Loss statistics for an Acura MDX - Insurance companies study historical loss data to determine a price that will be profitable for them. Vehicles that tend to have higher claim frequency or loss amount will have a higher premium rate.

The next table illustrates the collected loss data for Acura MDX vehicles. For each policy coverage, the claim probability for all vehicles combined as an average is represented as 100. Numbers under 100 indicate better than average losses, while values that are above 100 indicate more frequent claims or an increased chance of a larger loss.

Insurance Loss Ratings for Acura MDX Vehicles
Vehicle Make and 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
BETTER
AVERAGE
WORSE

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

Three reasons insurance is important

Even though it's not necessarily cheap to insure an Acura in San Jose, insuring your vehicle is required in California but also provides important benefits.

  • Most states have compulsory liability insurance requirements which means state laws require a minimum amount of liability protection if you drive a vehicle. 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 you have a loan on your Acura MDX, most banks will require that you have comprehensive coverage to guarantee loan repayment. If you let the policy lapse, the bank may buy a policy for your Acura at an extremely high rate and make you pay for the expensive policy.
  • Insurance protects not only your vehicle but also your assets. It will also provide coverage for medical expenses that are the result of an accident. Liability coverage also pays expenses related to your legal defense in the event you are sued. If mother nature or an accident damages your car, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your MDX more than cancel out the cost, especially with large liability claims. On average, a vehicle owner in San Jose overpays more than $865 each year so you should quote and compare rates at least once a year to save money.