How to Save on Acura MDX Insurance in Oakland

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Acura MDX insurance cost
Acura MDX insurance cost image courtesy of QuoteInspector.com

It's hard to fathom, but about 70% of customers have bought auto insurance from the same company for a minimum of four years, and nearly half have never even compared rates from other companies. Many drivers in Oakland could save 35% a year, but they just feel it's too hard to find cheaper rates by getting comparison quotes.

Insurance quote for Acura MDX in OaklandThe easiest way to get low-cost car insurance rates is to regularly compare prices from insurance carriers in Oakland. Price quotes can be compared by completing these steps.

  1. Spend some time learning about the coverage provided by your policy and the changes you can make to prevent expensive coverage. Many factors that result in higher prices such as at-fault accidents, careless driving, and a less-than-favorable credit score can be rectified by making minor driving habit or lifestyle changes. Later in this article we will cover more details to prevent high rates and get bigger discounts that may have been overlooked.
  2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like GEICO or State Farm, while agents who are independent can give you price quotes from many different companies.
  3. Compare the price quotes to the price on your current policy to determine if switching companies saves money. If you find a lower rate and buy the policy, make sure coverage does not lapse between policies.
  4. Notify your company or agent of your intent to cancel your current car insurance policy and submit the application along with any required down payment to your new carrier. Once coverage is bound, safely store the certificate verifying coverage along with your vehicle registration.

A good tip to remember is to compare identical coverage information on every quote request and to quote with as many companies as you can. Doing this enables a fair rate comparison and and a good selection of different prices.

When quoting insurance, remember that comparing more quotes increases your odds of finding lower pricing. Not every company allows you to get online price quotes, so it's important to compare quotes from them as well.

The providers in the list below provide comparison quotes in Oakland, CA. In order to find cheaper car insurance in California, we suggest you visit several of them to get a more complete price comparison.

You may qualify for discounts for Acura MDX insurance in Oakland

Some insurers don't list every possible discount in an easy-to-find place, so we break down some of the more common and the harder-to-find credits that you can use to lower your rates.Cheaper auto insurance with discounts

  • Good Student - Being a good student could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • New Vehicle Savings - Insuring a new MDX can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
  • ABS Brakes - Cars and trucks with ABS braking systems or traction control can avoid accidents and qualify for as much as a 10% discount.
  • Student Discount for Driver Training - Teen drivers should enroll in driver's education in high school.
  • Driver Safety - Taking a defensive driver course could cut 5% off your bill and easily pay for the cost of the class.
  • Telematics Data - Insureds that choose to allow data collection to spy on driving manner by using a telematics device like In-Drive from State Farm and Progressive's Snapshot could save a few bucks if they show good driving skills.
  • Discounts for Safe Drivers - Insureds who avoid accidents can save up to 40% or more on their Oakland car insurance quote than less cautious drivers.

As a footnote on discounts, many deductions do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, auto insurance companies aren't that generous.

The example below illustrates the comparison of Acura MDX auto insurance rates with and without discounts applied to the policy rates. The data assumes a male driver, no claims or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, marriage, claim-free, and safe-driver discounts applied.

A few popular companies and a selection of discounts are:

  • American Family includes discounts for multi-vehicle, mySafetyValet, good driver, air bags, and early bird.
  • Nationwide offers discounts including business or organization, anti-theft, accident-free, easy pay, and multi-policy.
  • MetLife policyholders can earn discounts including good driver, accident-free, good student, claim-free, multi-policy, and defensive driver.
  • 21st Century offers discounts for automatic seat belts, anti-lock brakes, teen driver, student driver, driver training, good student, and 55 and older.
  • Farmers Insurance has savings for bundle discounts, multi-car, mature driver, electronic funds transfer, teen driver, and pay in full.
  • Allstate may include discounts for resident student, early signing, premier plus, economy car, EZ pay plan discount, auto/life discount, and premier discount.

If you want inexpensive Oakland car insurance quotes, ask each company or agent which discounts they offer. Some of the discounts discussed earlier may not apply in Oakland. To see a list of providers that provide some of the discounts listed above in California, click here to view.

Premium rates and analysis

The table displayed below highlights a range of rate quotes for Acura MDX models. Being aware of how insurance rates are calculated can help guide drivers when making decisions when choosing a new policy provider.

Acura MDX Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $254 $408 $574 $34 $172 $1,442 $120
MDX with Tech Package 4WD $254 $482 $574 $34 $172 $1,516 $126
MDX with Tech/Entertainment 4WD $254 $482 $574 $34 $172 $1,516 $126
MDX Advance 4WD $254 $482 $574 $34 $172 $1,516 $126
MDX Advance/Entertainment 4WD $254 $482 $574 $34 $172 $1,516 $126
Get Your Own Custom Quote Go

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in vehicle location which can alter premiums noticeably.

Choosing deductibles

A question often asked by Oakland drivers is which deductible level should you buy. The premium rates below may help to conceptualize how much more rates are of buying low and high physical damage deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second set of rates uses a $1,000 deductible.

Acura MDX insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $478 $686 $442 $26 $132 $1,789 $149
MDX with Tech Package 4WD $478 $810 $442 $26 $132 $1,913 $159
MDX with Tech/Entertainment 4WD $478 $810 $442 $26 $132 $1,913 $159
MDX Advance 4WD $478 $810 $442 $26 $132 $1,913 $159
MDX Advance/Entertainment 4WD $478 $810 $442 $26 $132 $1,913 $159
Get Your Own Custom Quote Go
Acura MDX insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $266 $362 $442 $26 $132 $1,228 $102
MDX with Tech Package 4WD $266 $426 $442 $26 $132 $1,292 $108
MDX with Tech/Entertainment 4WD $266 $426 $442 $26 $132 $1,292 $108
MDX Advance 4WD $266 $426 $442 $26 $132 $1,292 $108
MDX Advance/Entertainment 4WD $266 $426 $442 $26 $132 $1,292 $108
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in specific zip code location which can affect price quotes significantly.

Based on the above data, using a $100 deductible will cost you about $50 more each month or $600 a year than requesting the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at least 18 months between claim filings, you would most likely save money if you decide on a higher deductible.

Full coverage rates compared to liability-only

The diagram below illustrates the comparison of Acura MDX annual premium costs when comparing full coverage to liability only. The rates are based on no violations or accidents, $500 deductibles, single status, and no other discounts are factored in.

Are you wasting money on full coverage?

There is no written rule for excluding physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let's pretend your Acura MDX claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $2,000 after paying your deductible. If it's costing in excess of $200 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are some situations where only buying liability is not a good idea. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder's interest. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not opt for liability only.