Compare Acura MDX Insurance Quotes in Durham

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Discount Acura MDX insuranceDo you need a better way to compare the cheapest Acura MDX insurance in Durham? When shopping for lower-cost insurance, are you overwhelmed by the sheer number of auto insurance companies available to you? North Carolina people have such a vast assortment of companies available that it can quickly become a big hassle to find the perfect company for you. Lots of people think Durham is a great city to raise a family in, but expensive auto insurance can make it nearly impossible for many drivers to affordably insure vehicles.

Unbelievably, most auto insurance buyers in North Carolina renewed their policy with the same company for at least the last four years, and nearly the majority have never compared rates from other carriers. Consumers in America can save nearly $860 each year just by shopping around, but they don't know the amount of money they would save if they swap their current policy for a cheaper one.

Cheapest companies for Acura MDX insurance in North Carolina

The companies in the list below have been selected to offer quotes in Durham, NC. To get cheap auto insurance in North Carolina, we suggest you click on several of them in order to find the cheapest rates.

Premium rates and analysis

The price information displayed next highlights estimates of insurance costs for Acura MDX models. Learning more about how policy premiums are established can be of help when making informed coverage decisions.

Acura MDX Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $178 $240 $256 $16 $76 $766 $64
MDX with Tech Package 4WD $178 $284 $256 $16 $76 $810 $68
MDX with Tech/Entertainment 4WD $178 $284 $256 $16 $76 $810 $68
MDX Advance 4WD $178 $284 $256 $16 $76 $810 $68
MDX Advance/Entertainment 4WD $178 $284 $256 $16 $76 $810 $68
Get Your Own Custom Quote Go

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can alter prices substantially.

Physical damage deductibles: Should you raise them?

A question often asked by Durham drivers is the level to set your comp and collision deductibles. The rates below outline the differences in price between high and low comp and collision deductibles. The first table uses a $250 deductible for physical damage and the second price grid 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 $242 $324 $250 $14 $74 $929 $77
MDX with Tech Package 4WD $242 $382 $250 $14 $74 $987 $82
MDX with Tech/Entertainment 4WD $242 $382 $250 $14 $74 $987 $82
MDX Advance 4WD $242 $382 $250 $14 $74 $987 $82
MDX Advance/Entertainment 4WD $242 $382 $250 $14 $74 $987 $82
Get Your Own Custom Quote Go
Acura MDX insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $150 $204 $250 $14 $74 $692 $58
MDX with Tech Package 4WD $150 $240 $250 $14 $74 $728 $61
MDX with Tech/Entertainment 4WD $150 $240 $250 $14 $74 $728 $61
MDX Advance 4WD $150 $240 $250 $14 $74 $728 $61
MDX Advance/Entertainment 4WD $150 $240 $250 $14 $74 $728 $61
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate quotes do not factor in specific location information which can increase or decrease auto insurance rates noticeably.

Based on the figures above, using a $250 deductible costs an average of $21 more each month or $252 for a full year than quoting the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go at least 36 months between claim filings, you would save money if you choose a higher deductible. Here's how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $81
Average monthly premium for $1,000 deductibles (subtract): - $60
Monthly savings from raising deductible: $21
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 36 months

The chart below illustrates how your choice of deductibles and can increase or decrease Acura MDX insurance prices for different ages of insureds. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Rate difference between full and liability-only coverage

The illustration below compares Acura MDX auto insurance rates with and without full coverage. The premiums assume no violations or claims, $500 deductibles, drivers are single, and no discounts are factored in.

When to drop full coverage

There is no specific rule to eliminate physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let's say your Acura MDX replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after you pay the deductible. If you are paying in excess of $700 annually to have full coverage, then it may be the right time to buy liability only.

There are a few cases where dropping full coverage is not in your best interest. If you haven't satisfied your loan, you are required to maintain full coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage.

Why Your Insurance Costs might be higher

It's important that you understand the factors that go into determining insurance rates. If you have a feel for what influences your rates, this enables you to make decisions that may result in cheaper rates.

The items below are some of the most rate-impacting factors utilized by car insurance companies to help set rates.

  • No claims equals cheap insurance rates - If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Insurance companies in North Carolina generally give cheaper rates to insureds that do not abuse their auto insurance. Your insurance policy is intended for claims that you cannot pay yourself.
  • What are good liability protection limits? - Your policy's liability coverage will afford coverage in the event that a jury decides you are liable for an accident. Liability provides legal defense coverage to defend your case. Liability insurance is quite affordable compared to comp and collision, so do not cut corners here.
  • Men drivers tend to cost more - Over time, data shows women tend to be less risk to insure than men. The data does not necessarily mean that females are better at driving than males. Men and women are responsible for at-fault accidents at a similar rate, but the male of the species tend to have higher claims. In addition to higher claims, males also have more aggressive citations like driving under the influence (DUI). Males from age 16 to 21 cause the most accidents and are penalized with high insurance rates.

    The example below visualizes the comparison of Acura MDX auto insurance rates for male and female drivers. The premiums are based on no claims or driving citations, full coverage, $1,000 deductibles, single status, and no discounts are taken into consideration.

  • Better rates for continuous insurance coverage - Going without insurance is a guaranteed way to increase your insurance rates. And not only will insurance be more expensive, being ticketed for driving with no insurance could earn you fines and jail time.
  • Marriage is a factor - Having a significant other can get you a discount compared to being single. Having a spouse means you're more stable financially it has been statistically shown that drivers who are married file infrequent claims.
  • Miles impacts rates - The higher the miles on your Acura every year the more it will cost to insure it. Many insurance companies charge rates based upon how you use the vehicle. Cars and trucks used primarily for pleasure use can be on a lower rate level than cars that get driven a lot. An improperly rated MDX may be wasting your money. Double check that your vehicle rating shows the correct driver usage.
  • Raising physical damage deductibles lowers premiums - Physical damage insurance, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Some instances where coverage would apply are running into the backend of another car, hitting a deer, and burglary. Comprehensive and collision coverage deductibles tell how much you are willing to pay if a claim is determined to be covered. The more money the insured is willing to pay, the less your company will charge you for insurance.
  • More stress means more cost - Do you work in a high-stress field? Careers such as military generals, airline pilots, and stock brokers have higher rates than the rest of us attributed to high stress levels and lots of time spent at work. Other jobs such as professors, students and the unemployed get better rates.
  • Acura MDX insurance loss statistics - Insurers use past loss statistics for each vehicle when they calculate premium costs for each model. Models that are shown to have increased claim numbers or amounts will have increased rates.

    The data below shows the insurance loss data for Acura MDX vehicles. For each type of coverage, the claim probability for all vehicles, as an average, is a value of 100. Numbers below 100 imply a favorable loss record, while numbers that are greater than 100 indicate a higher chance of having a claim or an increased chance of a larger loss.

    Acura MDX Insurance Loss 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
    BETTER
    AVERAGE
    WORSE

    Statistics from IIHS.org for 2013-2015 Model Years

These discounts can reduce Acura MDX insurance rates

Some insurance providers don't always advertise all discounts in a way that's easy to find, so below is a list a few of the more well known as well as some of the hidden discounts that you may qualify for.Discount car insurance

  • Early Signing - Some car insurance companies reward drivers for buying a new policy prior to the expiration date on your current MDX insurance policy. This discount can save up to 10%.
  • Discount for Low Mileage - Driving fewer miles could be rewarded with slightly better car insurance rates than normal.
  • Theft Deterrent Discount - Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a Durham car insurance quote.
  • Distant College Student Discount - Kids who live away from home to go to college and won't have access to an insured vehicle may be able to be covered for less.
  • Safe Driver Discount - Drivers without accidents can save as much as half off their rates than their less cautious counterparts.
  • Safety Course Discount - Taking part in a course that instructs on driving safety could earn you a small percentage discount and easily recoup the cost of the course.
  • Good Grades Discount - Excelling in school may save as much as 25% on a Durham car insurance quote. The good student discount can last up until you turn 25.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, car insurance companies aren't that generous.

The illustration below compares Acura MDX insurance costs with and without some available policy discounts. The price estimates are based on a female driver, no claims or driving citations, North Carolina 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 claim-free, safe-driver, multi-policy, homeowner, multi-car, and marriage discounts applied.

The best car insurance companies and the discounts they provide can be read below.

  • State Farm discounts include multiple autos, good student, good driver, defensive driving training, and multiple policy.
  • Progressive policyholders can earn discounts including multi-vehicle, online quote discount, continuous coverage, good student, and online signing.
  • Travelers offers discounts including multi-car, student away at school, hybrid/electric vehicle, save driver, payment discounts, and early quote.
  • American Family may have discounts that include early bird, air bags, good student, defensive driver, accident-free, and TimeAway discount.
  • Liberty Mutual may offer discounts for good student, hybrid vehicle, preferred payment discount, newly retired, multi-car, and newly married.

Check with each insurance company which discounts they offer. Some discounts listed above may not be offered in Durham. If you would like to see a list of car insurance companies that can offer you the previously mentioned discounts in Durham, follow this link.

Compare rate quotes but work with a local Durham insurance agency

Some people still like to have an agent's advice and that is just fine! The best thing about comparing rates online is the fact that you can find better rates and still have an agent to talk to.

Find insurance agent in DurhamTo help locate an agent, after submitting this form (opens in new window), your insurance data gets sent to companies in Durham that give free quotes to get your business. You never need to contact any insurance agencies since price quotes are sent to you directly. You can most likely find cheaper rates without a big time investment. In the event you want to compare prices for a specific company, just jump over to their website to submit a rate quote request.

Selecting an insurer requires you to look at more than just a cheap quote. Here are some questions to ask:

  • How many companies do they write for?
  • How many years of experience in personal auto insurance do they have?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Will they take your side in the event of a claim?
  • If your car is in the repair shop, do you have coverage for a rental car?

If you need to find a local agent, you need to know there are two types of agencies and how they are slightly different. Car insurance agents can either be independent agents or exclusive agents.

Exclusive Insurance Agents

Exclusive agents are contracted to one company such as State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot shop your coverage around so keep that in mind. These agents are well schooled on sales techniques which can be an advantage. Consumers often buy from exclusive agents partially due to loyalty to the company and strong financial ratings.

Listed below are Durham exclusive agents that are able to give rate quotes.

More insurance agents

Independent Agents (or Brokers)

Agents in the independent channel are not locked into one company so they have the ability to put coverage amongst many companies and help determine which has the cheapest rates. If they find a cheaper price, your agent can switch companies which makes it simple for you. If you need lower rates, it's recommended you include rate quotes from a few independent agents in order to compare the most rates. Most also have access to companies you've never heard of that can offer cheaper rates than bigger companies.

The following are Durham independent agents willing to provide price quote information.

More insurance agents

One last note

We covered a lot of tips how to compare Acura MDX insurance auto insurance rates in Durham. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. Consumers may even find the biggest savings come from a small mutual company.

People who switch companies do it for many reasons like high rates after DUI convictions, an unsatisfactory settlement offer, poor customer service and even extreme rates for teen drivers. It doesn't matter why you want to switch finding a new company is not as difficult as it may seem.

When getting Durham car insurance quotes online, you should never sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced physical damage coverage to discover at claim time they didn't purchase enough coverage. Your objective should be to purchase plenty of coverage for the lowest price.

Steps to finding cheaper rates for Acura MDX insurance in Durham

If you want to save money, the best way to get more affordable Acura MDX insurance in Durham is to do a yearly price comparison from different companies that sell auto insurance in North Carolina. You can compare rates by following these steps.

First, learn about car insurance and the things you can change to prevent high rates. Many things that are responsible for high rates like multiple speeding tickets and a less-than-favorable credit score can be controlled by improving your driving habits or financial responsibility.

Second, obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO and Allstate, while independent agencies can provide price quotes from many different companies. Compare rates

Third, compare the new rate quotes to the premium of your current policy to see if a cheaper price is available in Durham. If you find a better price, make sure coverage is continuous and does not lapse.

Fourth, notify your agent or company to cancel your current car insurance policy and submit the application along with any required down payment to the newly selected company. As soon as you receive it, put the proof of insurance certificate with the vehicle registration.

The critical component of shopping around is to use similar coverage information on each quote and and to get price quotes from as many companies as feasibly possible. This ensures a fair price comparison and the most accurate and complete price analysis.

Additional detailed information can be found at these sites: