Affordable Quotes for Acura MDX Insurance in Boston

Insurance for Acura MDXAre 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.

Acura MDX Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $228 $344 $378 $22 $114 $1,086 $91
MDX with Tech Package 4WD $228 $406 $378 $22 $114 $1,148 $96
MDX with Tech/Entertainment 4WD $228 $406 $378 $22 $114 $1,148 $96
MDX Advance 4WD $228 $406 $378 $22 $114 $1,148 $96
MDX Advance/Entertainment 4WD $228 $406 $378 $22 $114 $1,148 $96
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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.

Acura MDX insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $324 $436 $334 $20 $100 $1,239 $103
MDX with Tech Package 4WD $324 $512 $334 $20 $100 $1,315 $110
MDX with Tech/Entertainment 4WD $324 $512 $334 $20 $100 $1,315 $110
MDX Advance 4WD $324 $512 $334 $20 $100 $1,315 $110
MDX Advance/Entertainment 4WD $324 $512 $334 $20 $100 $1,315 $110
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Acura MDX insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $200 $274 $334 $20 $100 $928 $77
MDX with Tech Package 4WD $200 $322 $334 $20 $100 $976 $81
MDX with Tech/Entertainment 4WD $200 $322 $334 $20 $100 $976 $81
MDX Advance 4WD $200 $322 $334 $20 $100 $976 $81
MDX Advance/Entertainment 4WD $200 $322 $334 $20 $100 $976 $81
Get Your Own Custom Quote Go

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.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $109
Average monthly premium for $1,000 deductibles (subtract): – $80
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

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.

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.

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.Car insurance discounts

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:

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.

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.

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

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.

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.

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