Car Insurance Rates for an Acura MDX in Cleveland

Discount Acura MDX insuranceThe best way we recommend to get low-cost Acura MDX insurance in Cleveland is to compare prices at least once a year from insurers in Ohio. You can compare rates by completing these steps.

  1. Spend a few minutes and learn about the different coverages in a policy and the things you can control to prevent expensive coverage. Many policy risk factors that cause high rates such as speeding tickets, careless driving and a substandard credit history can be remedied by making small lifestyle or driving habit changes.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like Progressive and State Farm, while independent agencies can provide rate quotes from multiple companies.
  3. Compare the price quotes to your existing rates to see if a cheaper rate is available. If you can save money and change companies, ensure coverage does not lapse between policies.
  4. Provide adequate notice to your current company to cancel your current auto insurance policy and submit the required down payment along with the signed application to your new agent or company. As soon as you receive it, put the certificate verifying coverage in your glove compartment.

A key point to remember is to use the same deductibles and limits on every quote and and to get rate quotes from every insurance company. This helps ensure an apples-to-apples comparison and the best rate selection.

It’s an obvious assumption that insurance companies want to keep your business as long as possible. Insureds who perform rate comparisons will most likely switch to a new company because there is a great chance of finding a policy with better rates. A recent study showed that people who shopped around annually saved on average $865 a year as compared to drivers who never shopped around for cheaper prices.

If saving the most money on car insurance in Cleveland is your ultimate goal, then understanding how to compare car insurance can make it easier for you to save money.

Companies offering Acura MDX insurance in Ohio

The companies shown below can provide free rate quotes in Ohio. If you want cheaper auto insurance in Ohio, it’s highly recommended you visit as many as you can in order to get a fair rate comparison.

Rates and other information

The premium information shown below showcases detailed analysis of insurance costs for Acura MDX models. Having knowledge of how insurance policy rates are established is important for you to make smart buying decisions.

Acura MDX Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $174 $234 $232 $14 $70 $724 $60
MDX with Tech Package 4WD $174 $276 $232 $14 $70 $766 $64
MDX with Tech/Entertainment 4WD $174 $276 $232 $14 $70 $766 $64
MDX Advance 4WD $174 $276 $232 $14 $70 $766 $64
MDX Advance/Entertainment 4WD $174 $276 $232 $14 $70 $766 $64
Get Your Own Custom Quote Go

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in your specific Cleveland location which can impact premiums substantially.

Reckless driving habits raise car insurance rates

The chart below highlights how speeding tickets and at-fault claims raise Acura MDX insurance rates for each different age group. The costs are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Price comparison of only insuring for liability

The illustration below illustrates the difference between Acura MDX insurance prices with and without full coverage. The rates are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no additional discounts are factored in.

When to eliminate full coverage

There isn’t a written rule to stop buying physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let’s say your Acura MDX replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after the deductible is paid. If you are paying over $600 a year for your policy with full coverage, then it might be time to buy liability only.

There are some conditions where dropping full coverage is not financially feasible. If you haven’t paid off your loan, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Car insurance quotes and discounts

Some insurance providers don’t always advertise every available discount in an easy-to-find place, so the below list has both the well known and the more hidden ways to save on car insurance.Discount car insurance

You should keep in mind that many deductions do not apply to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, companies wouldn’t make money that way.

The diagram below shows the comparison of Acura MDX insurance costs with and without policy discounts. The information is based on a female driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, multi-car, claim-free, and multi-policy discounts applied.

Companies and a partial list of their discounts are detailed below.

Before buying, ask all the companies how you can save money. Savings may not be available in every state. To see companies who offer car insurance discounts in Ohio, click here.

Smart Choices Result in Lower Insurance Costs

Many things are part of the calculation when you get a price on insurance. Some factors are common sense like a motor vehicle report, but other criteria are not as apparent like your continuous coverage or your financial responsibility.

Insurance agencies near you

A lot of people still like to buy from a local agent. One of the best bonuses of getting online price quotes is the fact that drivers can get the best rates and still have a local agent. Buying insurance from neighborhood insurance agencies is definitely important in Cleveland.

Cleveland insurance agentsTo find an agent, once you fill out this simple form, the coverage information gets sent to local insurance agents who will give competitive quotes for your insurance coverage. You don’t have to find an agent since price quotes are sent to your email. You can most likely find cheaper rates and a licensed agent to work with. If you have a need to get a rate quote for a specific company, feel free to visit that company’s website and fill out their quote form.

If you want to buy insurance from a local Cleveland insurance agency, you need to know there are two different agency structures and how they are slightly different. Insurance agencies are either exclusive or independent (non-exclusive).

Independent Insurance Agents (or Brokers)

Independent insurance agents often have affiliation with several companies and that is an advantage because they can write policies with many different companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and you can keep the same agent. When comparison shopping, you definitely need to compare quotes from several independent insurance agents to get the best comparison.

Below are independent insurance agencies in Cleveland who can help you get free insurance quotes.

1111 Superior Ave #420Cleveland, OH 44113(216) 621-7183View Map

2310 Superior Ave #215Cleveland, OH 44114(216) 472-8000View Map

16903 Fischer RdLakewood, OH 44107(216) 228-3333View Map

View more Cleveland agents

Exclusive Agents

Agents of this type generally can only insure with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to compare other company’s rates so keep that in mind. They are well schooled in insurance sales and that can be a competitive advantage.

Listed below are Cleveland exclusive insurance agencies that are able to give price quotes.

1621 Euclid Ave #408Cleveland, OH 44115(216) 452-0885View Map

3878 Rocky River Dr Ste 4Cleveland, OH 44111(216) 251-5300View Map

4219 W 210th StFairview Park, OH 44126(440) 331-3111View Map

View more Cleveland agents

Deciding on an insurance agent is decision based upon more than just a cheap quote. Below are some questions you should ask.

If you get answers to your satisfaction in addition to an acceptable price estimate, most likely you have located an insurance agency that can be trusted to properly insure your vehicles.

Find cheaper rates by comparing often

In this article, we covered a lot of tips how to get a better price on Acura MDX insurance in Cleveland. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding the cheapest Acura MDX rate quotes. Consumers may even find the lowest rates are with a smaller regional carrier. They often have lower car insurance rates on specific markets compared to the large companies like State Farm, GEICO and Nationwide.

Lower-priced insurance in Cleveland can be bought online and with local Cleveland insurance agents, and you should be comparing both to have the best rate selection. Some companies do not offer the ability to get a quote online and many times these smaller companies sell through independent agents.

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