How long has it been since you shopped around for the cheapest auto insurance rates in Aurora, CO? Aurora consumers have many options when looking for the best price on Acura MDX insurance. They can either spend hours driving around to get rate comparisons or utilize the internet to find the lowest rates.
There are more efficient ways to find auto insurance online so you’re going to learn the absolute fastest way to price shop coverage for your Acura and obtain the lowest price from both online companies and Aurora agents.
You need to get comparison quotes quite often because prices go up and down regularly. If you had the best price on Acura MDX insurance in Aurora a year ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re about to learn the only way to properly buy coverages while reducing your premium.
If you are already insured or are just looking to switch companies, follow these tips to shop for the lowest rates without sacrificing coverage. This information will instruct you on how insurance works and also save some money in the process You just have to know the proper way to buy car insurance over the internet.
Lower rates by qualifying for discounts
Insurance can be prohibitively expensive, but there are discounts available that could drop your premiums quite a bit. Certain reductions will be credited when you get a quote, but some may not be applied and must be manually applied before you will receive the discount.
- Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class if offered at their school.
- Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
- Save over 55 – Seniors may qualify for reduced rates.
- Discounts for New Vehicles – Insuring a vehicle that is new can save you some money because newer models have to meet stringent safety requirements.
- Discounts for Federal Employees – Simply working for the federal government could cut as much as 10% off depending on your company.
- Full Payment Discount – If you can afford to pay the entire bill rather than paying monthly you could save up to 5%.
- ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can avoid accidents and the ABS can save up to 10%.
Policy discounts save money, but some of the credits will not apply to the whole policy. A few only apply to the cost of specific coverages such as medical payments or collision. So even though you would think all the discounts add up to a free policy, it doesn’t quite work that way.
The chart below compares Acura MDX insurance rates with and without discounts applied to the premium. The rates are based on a female driver, no accidents or driving violations, Colorado 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 homeowner, marriage, multi-car, multi-policy, claim-free, and safe-driver discounts applied.
Large car insurance companies and a summarized list of policyholder discounts can be found below.
- The Hartford may include discounts for good student, driver training, defensive driver, air bag, vehicle fuel type, anti-theft, and bundle.
- American Family offers discounts for early bird, bundled insurance, multi-vehicle, good driver, defensive driver, and mySafetyValet.
- Progressive discounts include multi-vehicle, homeowner, online quote discount, good student, continuous coverage, multi-policy, and online signing.
- Travelers offers premium reductions for early quote, driver training, continuous insurance, good student, IntelliDrive, multi-policy, and save driver.
- Farmers Insurance has savings for youthful driver, early shopping, teen driver, electronic funds transfer, and mature driver.
- USAA has discounts for good student, family discount, safe driver, military installation, multi-vehicle, and vehicle storage.
- Liberty Mutual offers discounts including multi-car, newly retired, safety features, new move discount, new graduate, exclusive group savings, and preferred payment discount.
If you want low cost Aurora car insurance quotes, ask every insurance company which discounts can lower your rates. Some of the discounts discussed earlier might not apply in your area. To view insurance companies that offer multiple discounts in Colorado, click this link.
The car insurance companies shown below are ready to provide free quotes in Colorado. In order to find the best car insurance in Colorado, we suggest you visit two to three different companies to find the cheapest car insurance rates.
Acura MDX insurance charts and tables
The coverage information displayed next covers different coverage costs for Acura MDX models. Being aware of how insurance premiums are established is important for making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MDX 4WD | $182 | $282 | $396 | $24 | $118 | $1,002 | $84 |
| MDX with Tech Package 4WD | $182 | $332 | $396 | $24 | $118 | $1,052 | $88 |
| MDX with Tech/Entertainment 4WD | $182 | $332 | $396 | $24 | $118 | $1,052 | $88 |
| MDX Advance 4WD | $182 | $332 | $396 | $24 | $118 | $1,052 | $88 |
| MDX Advance/Entertainment 4WD | $182 | $332 | $396 | $24 | $118 | $1,052 | $88 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in specific location which can lower or raise price quotes substantially.
Choosing deductibles
One common question asked by Aurora drivers is which comprehensive and collision deductibles to buy. The premium rates below highlight the premium difference when you buy lower versus higher physical damage deductibles. The first rate comparisons uses a $250 deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MDX 4WD | $342 | $458 | $352 | $20 | $106 | $1,303 | $109 |
| MDX with Tech Package 4WD | $342 | $538 | $352 | $20 | $106 | $1,383 | $115 |
| MDX with Tech/Entertainment 4WD | $342 | $538 | $352 | $20 | $106 | $1,383 | $115 |
| MDX Advance 4WD | $342 | $538 | $352 | $20 | $106 | $1,383 | $115 |
| MDX Advance/Entertainment 4WD | $342 | $538 | $352 | $20 | $106 | $1,383 | $115 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MDX 4WD | $210 | $288 | $352 | $20 | $106 | $976 | $81 |
| MDX with Tech Package 4WD | $210 | $340 | $352 | $20 | $106 | $1,028 | $86 |
| MDX with Tech/Entertainment 4WD | $210 | $340 | $352 | $20 | $106 | $1,028 | $86 |
| MDX Advance 4WD | $210 | $340 | $352 | $20 | $106 | $1,028 | $86 |
| MDX Advance/Entertainment 4WD | $210 | $340 | $352 | $20 | $106 | $1,028 | $86 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium amounts do not factor in specific Aurora garaging location which can revise rates substantially.
Based on this data, using a $250 deductible could cost the average driver approximately $29 more each month or $348 for a full year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 26 months between claim filings, you would most likely save money if you elect the higher deductible.
The chart below shows how choosing a deductible and can influence Acura MDX yearly insurance costs for different age categories. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Do you need full coverage?
The information below shows the difference between Acura MDX premium costs with full coverage compared to only the Colorado minimum liability coverage. The data is based on no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no discounts are applied.
Should you pay for full coverage or liability only?
There isn’t a written rule for excluding physical damage insurance, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s assume your Acura MDX settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after paying your deductible. If premiums are more than $500 a year to have full coverage, then it’s probably a good time to buy liability coverage only.
There are a few situations where eliminating full coverage is not a good idea. If you haven’t paid off your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.
Independent versus exclusive auto insurance agents
Some consumers just want to buy from a local agent and doing that can be a smart decision Licensed agents will help you protect your assets and help in the event of a claim. A good thing about comparing rates online is that drivers can save money and get the best rates but still work with a licensed agent. Buying from local insurance agents is important especially in Aurora.
By using this quick form, the quote information gets sent to participating agents in Aurora that can give you free Aurora car insurance quotes for your business. You won’t need to find an agent on your own because quoted prices will be sent to the email address you provide. If you wish to get a price quote from a specific insurance company, you would need to navigate to their website and fill out the quote form the provide.
When looking for a reputable agency, it can be helpful to understand the different agency structures and how they are slightly different. Insurance agencies in Aurora are considered either exclusive or independent (non-exclusive). Both insure your vehicles, but it is important to understand the difference in the companies they write for because it can influence your agent selection.
Independent Agents (or Brokers)
Agents in the independent channel can quote rates with many companies so as a result can place your coverage through many different car insurance companies and possibly get better coverage at lower prices. If they quote lower rates, your agent can just switch to a different company and you don’t have to do anything.
If you are comparing rate quotes, we highly recommend that you compare quotes from several independent agencies to get the best comparison. They also have the ability to place coverage with mutual insurance companies which can save you money.
The following is a partial list of independent agents in Aurora who may provide price quotes.
- MG Insurance Brokers Llc
2600 S Parker Rd # 263 – Aurora, CO 80014 – (303) 309-6200 – View Map - A Complete Home and Auto Insurance Agency
1080 S Sable Blvd – Aurora, CO 80012 – (303) 344-2886 – View Map - BUD JUDY AGENCY, INC. (INDEPENDENT INSURANCE AGENCY)
2222 S Fraser St Unit 4 – Aurora, CO 80014 – (303) 368-5839 – View Map
Exclusive Agents
Agents that choose to be exclusive are contracted to one company such as American Family, State Farm, and AAA. Exclusive agents cannot provide prices from multiple companies so keep that in mind. Exclusive agencies receive extensive training in insurance sales which helps them compete with independent agents. Some insured continue to buy insurance from these agents mainly due to the prominence of the brand and the convenience of having all coverages with one company.
Shown below is a short list of exclusive agencies in Aurora that are able to give rate quotes.
- Allstate Insurance: Jeff Heinrich
5001 S Parker Rd – Aurora, CO 80015 – (303) 773-2019 – View Map - Allstate Insurance: Larry Meurisse
1710 S Buckley Rd Unit 6 – Aurora, CO 80017 – (303) 752-1441 – View Map - American Family Insurance – Rob Owens
20941 E Smoky Hill Rd Unit G – Aurora, CO 80015 – (303) 693-8877 – View Map
Picking the best car insurance agent should include more criteria than just a cheap quote. The following questions are important to ask.
- Is the agency active in community causes in Aurora?
- Will their companies depreciate repairs to your car based on the mileage?
- How long has their agency been open in Aurora?
- If you are a high risk driver, do they have special markets for your coverage?
- Which companies do they recommend if they are an independent agency?
- Is the agent properly licensed in Colorado?
If you receive positive feedback to all your questions as well as an affordable premium quote, it’s a good possibility that you have found an auto insurance agent that is reliable enough to properly insure your vehicles.
Persistence pays off
You just read a lot of ways to shop for Acura MDX insurance online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding the cheapest Acura MDX rate quotes. Consumers may even find the best price on insurance is with some of the smallest insurance companies.
When buying insurance coverage, make sure you don’t buy poor coverage just to save money. Too many times, an insured cut liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to buy enough coverage at a price you can afford.
Drivers who switch companies do it for a number of reasons such as high rates after DUI convictions, high prices, extreme rates for teen drivers or questionable increases in premium. Regardless of your reason, finding a new insurance company is not as difficult as it may seem.
Steps to saving on Acura MDX insurance in Aurora
If you want to save the most money, the best way to get discount Acura MDX insurance in Aurora is to compare prices at least once a year from companies that sell auto insurance in Colorado.
- Take a few minutes and learn about coverages and the factors you can control to keep rates down. Many rating criteria that cause high rates like high-risk driving behaviors and a negative credit score can be eliminated by making minor changes in your lifestyle.
- Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agents can provide price quotes from multiple companies. View rates
- Compare the new quotes to your current policy and determine if cheaper MDX coverage is available in Aurora. If you find a lower rate quote and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
A key point to remember is to use the same level of coverage on every price quote and and to analyze every insurance company. Doing this guarantees an accurate price comparison and a complete price analysis.
Helpful learning opportunities
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Who Has Cheap Car Insurance for a Nissan Sentra in Aurora? (FAQ)
- What is the Cheapest Car Insurance in Aurora, Colorado? (FAQ)
- Who Has the Cheapest Car Insurance for a Chevrolet Equinox in Aurora? (FAQ)
- Teen Driving Statistics (iihs.org)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- What is a Telematics Device? (Allstate)