Affordable Quotes for Acura MDX Insurance in Boston

Are you trying to find low-cost auto insurance rates in Boston, MA? Boston shoppers have many options when shopping for the lowest priced Acura MDX insurance. You can either waste hours calling around to get rate comparisons or utilize the internet to get rate quotes.

There are more efficient ways to shop for auto insurance and we’ll show you the proper way to price shop coverage for a Acura and obtain the cheapest rates from both online companies and Boston agents.

The quickest way to compare insurance rates in your area utilizes the fact most insurance companies participate in a system to give rate comparisons. To get started, all you need to do is give them some information such as how much you drive, if you require a SR-22, the ages of drivers, and if you are currently licensed. Those rating factors is then sent to multiple insurance providers and you will receive price estimates very quickly.

To compare cheap Acura MDX insurance rates now, click here and find out if you can get cheaper insurance in Boston.

The providers in the list below are our best choices to provide quotes in Massachusetts. If you want the best auto insurance in Massachusetts, it’s a good idea that you compare several of them to get the most affordable price.

Insurance rate breakdown

The rate information below covers different insurance rates for Acura MDX models. Having a good understanding how car insurance premiums are established can assist in making smart choices when comparing insurance quotes.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium amounts do not factor in vehicle garaging location which can revise insurance rates noticeably.

Physical damage deductibles: Should you raise them?

The hardest decision when buying coverage is where to set your physical damage deductibles. The rates below can help show the rate difference when you buy lower versus higher coverage deductibles. The first rate table uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Estimates do not factor in garaging location in Boston which can increase or decrease premiums greatly.

We can estimate from the data above that using a $250 deductible will cost you about $29 more each month or $348 for a full year across all Acura MDX models than choosing the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 26 months between claims, you would come out ahead if you elect the higher deductible.

Cost comparison with and without full coverage

The example below illustrates the comparison of Acura MDX auto insurance rates with liability coverage only compared to full coverage. The premium estimates are based on no violations or claims, $500 deductibles, drivers are not married, and no other discounts are factored in.

Guidelines for dropping full coverage

There is no exact formula for phasing out physical damage coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s pretend your Acura MDX claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after paying your policy deductible. If premium cost is more than $500 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some conditions where eliminating full coverage is not recommended. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Three reasons auto insurance is important

Even though Boston MDX insurance rates can get expensive, insurance is most likely required but also gives you several important benefits.

• Most states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability coverage in order to be legal. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your MDX has a loan, more than likely the lender will make it a condition of the loan that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank will be required to insure your Acura at a more expensive rate and force you to pay for it.
• Auto insurance preserves not only your car but also your financial assets. It will also reimburse you for all forms of medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If you have damage to your Acura as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of having auto insurance are without a doubt worth the cost, particularly when you have a large claim. Unknowingly, the average driver is overpaying more than $750 every year so it’s important to compare rates at every policy renewal to save money.

The Acura MDX Insurance Price Equation

It’s important that you understand some of the elements that aid in calculating your car insurance rates. If you know what determines base rates, this empowers consumers to make smart changes that could result in better car insurance rates. Many things are part of the calculation when pricing auto insurance. Most are fairly basic such as your driving history, but some are not as apparent like your vehicle usage or how financially stable you are.

• Marriage discount – Being married may cut your premiums on your policy. It may mean you are more mature and responsible and it’s proven that drivers who are married file infrequent claims.

• Vehicle risk impacts prices – The type of car, truck or SUV you drive makes a substantial difference in determining your rates. The lowest performance passenger cars receive the most favorable rates, but that’s not the only thing that factors into the final price.

  The following chart assumes a married male driver age 30, full coverage with $250 deductibles, and no discounts or violations. The chart compares Acura MDX insurance rates compared to other models of vehicles that have a range of performance rating factors.

• Mature drivers pay less – Older insureds are viewed as being more responsible, tend to file fewer claims, and receive fewer citations. Teen drivers have been known to be inattentive and easily distracted when at the wheel of a vehicle therefore car insurance rates are much higher.

  The following chart is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Do safer cars cost less to insure? – Vehicles that have high safety ratings can get you lower premiums. The safest vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and cheaper rates on your policy. If the Acura MDX is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
• How credit rating affects car insurance costs – Your credit score is a large factor in your rate calculation. Insureds that have high credit ratings tend to file fewer claims and have better driving records than those with lower ratings. If your credit leaves room for improvement, you may save money insuring your Acura MDX by repairing your credit.
• Where you reside can affect costs – Residing in smaller towns and rural areas of the country has definite advantages when shopping for auto insurance. City drivers regularly have more auto accidents and much longer commute distances. Fewer people means a lower chance of having an accident and a lower car theft rate.

• Gender as a rate factor – Over the last 30 years, statistics show that women are safer drivers than men. The data does not necessarily mean that women are better drivers. Females and males are responsible for accidents at about the same rate, but men get into accidents with more damage. In addition to higher claims, males also get higher numbers of serious violations such as reckless driving.

  The chart below shows the comparison of Acura MDX premium costs for male and female drivers. The prices are based on no claims or driving violations, full coverage, $500 deductibles, drivers are not married, and no policy discounts are applied.

• Multiple policies with one company – Most car insurance companies will award better rates to insureds who have multiple policies with them in the form of a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s always a smart idea to shop around to make sure you are getting the best deal.

• Acura MDX insurance loss statistics – Companies factor in insurance loss information to calculate a rate that will offset losses. Models that tend to have a trend towards higher claims will be charged more to insure.

  The next table illustrates the insurance loss data used by companies for Acura MDX vehicles. For each type of coverage, the loss probability for all vehicles, regardless of make, model or trim level, is represented as 100. Values below 100 indicate a favorable loss history, while numbers above 100 indicate frequent claims or an increased probability of a larger loss.

  
  

  Insurance Loss Ratings for Acura MDX Vehicles

  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

Do you qualify for discounts?

Companies don’t necessarily list every available discount very clearly, so the list below details some of the more common as well as some of the hidden ways to save on car insurance.

• Multi-car Discount – Drivers who insure all your vehicles with the same company can reduce the rates for all insured vehicles.
• Senior Discount – If you qualify as a senior citizen, you may qualify for a discount up to 10%.
• Driving Data Discount – Boston drivers who agree to allow driving data submission to scrutinize driving manner through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they are good drivers.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
• Low Mileage Discounts – Fewer annual miles on your Acura could be rewarded with slightly better rates than normal.
• Student Discounts – This discount could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.
• Government Employees – Federal government employees can save as much as 8% depending on your company.
• Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like Allstate, State Farm and GEICO allow you one accident without raising rates so long as you are claim-free before the accident.

Don’t be surprised that most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, companies wouldn’t make money that way.

The illustration below shows the comparison of Acura MDX car insurance costs with and without discounts applied. The premium estimates are based on a female driver, no claims or driving violations, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, marriage, homeowner, and multi-policy discounts applied.

Auto insurance companies that possibly offer some of the above discounts include:

• GEICO
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

If you are trying to find affordable Acura MDX insurance quotes, ask every company which discounts they offer. Some of the discounts discussed earlier might not be available to policyholders in your state. For a list of providers that offer discounts in Boston, follow this link.

Shop online but buy locally

Certain consumers just prefer to get professional advice from a licensed agent. Experienced insurance agents can help you build your policy and help file insurance claims. One of the great benefits of getting online price quotes is you can get lower car insurance rates but also keep your business local. Buying insurance from neighborhood insurance agencies is definitely important in Boston.

By using this simple form, your coverage information is transmitted to local insurance agents in Boston that can provide free Boston auto insurance quotes for your coverage. You don’t have to leave your computer since price quotes are sent to your email. If you have a need to get a price quote from a specific company, don’t hesitate to search and find their rate quote page and submit a quote form there.

When looking for a good insurance agency, there are a couple of different agency structures from which to choose. Insurance agents in Boston can be categorized as either independent or exclusive depending on the company they work for. Either type can write insurance policies, but it’s important to point out how they differ since it can impact which type of agent you select.

Independent Agents (or Brokers)

Agents that choose to be independent are not locked into one company so as a result can place your coverage through many different insurance companies and possibly get better coverage at lower prices. If you want to switch companies, they simply switch companies in-house which is easy for the insured. When comparing rates, you absolutely need to get insurance quotes from a few independent agents for maximum quote selection. Many independent agencies also insure through different regional companies which may have better rates.

The following are independent agents in Boston who may be able to give you free price quotes.

• Cavanaugh Insurance Agency
  75 Boston-Providence Turnpike – Norwood, MA 02062 – (781) 762-3400 – View Map
• Vargas and Vargas Insurance
  1133 Washington St – Dorchester Center, MA 02124 – (617) 298-0655 – View Map
• Massachusetts Fair Plan
  2 Center Plz # 800 – Boston, MA 02108 – (617) 723-3800 – View Map

View more Boston agents

Exclusive Agents

Agents of this type can only place business with one company like American Family, State Farm, and AAA. They usually cannot shop your coverage around so keep that in mind. Exclusive agents receive a lot of sales training on sales techniques which helps them sell on service rather than price. Consumers frequently buy from exclusive agents primarily because of loyalty to the company rather than having low rates.

Below are Boston exclusive agencies willing to provide comparison quotes.

• Allstate Insurance: Abner Joseph
  571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
• AAA Boston
  125 High St – Boston, MA 02110 – (617) 443-9300 – View Map

View more Boston agents

Selecting an insurance agent should depend on more than just the bottom line cost. These questions are important to ask:

• Do they feel the quoted coverages are adequate?
• Is the agency covered by Errors and Omissions coverage?
• If you are a high risk driver, do they have special markets for your coverage?
• Do they prorate repair cost based on vehicle mileage?
• Are they properly licensed to sell insurance in Massachusetts?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• Do they offer claims assistance after hours?
• Are they giving you every discount you deserve?

Best car insurance company in Boston

Ending up with a good quality auto insurance company is hard considering how many choices drivers have in Massachusetts. The company ratings in the lists below could help you choose which auto insurers to look at comparing price quotes from.

Top 10 Boston Car Insurance Companies Overall

1. The General
2. Mercury Insurance
3. Titan Insurance
4. The Hartford
5. Progressive
6. Travelers
7. State Farm
8. Farmers Insurance
9. Safeco Insurance
10. USAA

Persistence is the key to affordable rates

People change insurance companies for any number of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, lack of trust in their agent or even questionable increases in premium. Whatever your reason, choosing a new insurance company can be less work than you think.

As you go through the steps to switch your coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced uninsured motorist or liability limits to discover at claim time that it was a big error on their part. The ultimate goal is to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

Low-cost Acura MDX insurance in Boston is available from both online companies and also from your neighborhood Boston agents, and you should be comparing both to have the best selection. Some companies may not provide rate quotes online and many times these smaller providers only sell through independent insurance agencies.

Steps to buying cheaper Acura MDX insurance in Boston

The most effective way to find more affordable car insurance rates is to make a habit of comparing prices annually from providers who sell auto insurance in Boston. You can compare rates by following these guidelines.

• Step 1: It will benefit you to learn about how your policy works and the things you can control to drop your rates. Many rating factors that increase rates like inattentive driving and a negative credit history can be remedied by being financially responsible and driving safely.
• Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive and State Farm, while independent agencies can provide price quotes from multiple insurance companies.
• Step 3: Compare the quotes to your current policy premium to see if a cheaper rate is available. If you can save some money 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 tip to remember is to try to use similar deductibles and liability limits on each quote request and and to get quotes from as many car insurance companies as possible. Doing this helps ensure an accurate price comparison and and a good selection of different prices.

Other articles

• Safety Features for Your New Car (State Farm)
• Who Has Cheap Auto Insurance Rates for Drivers with Bad Credit in Boston? (FAQ)
• How Much is Auto Insurance for Felons in Boston? (FAQ)
• What Car Insurance is Cheapest for Active Military in Boston? (FAQ)
• Alcohol Impaired Driving FAQ (iihs.org)
• Car Insurance FAQ (Trusted Choice)
• How Can I Save Money on Auto Insurance? (Insurance Information Institute)