Find Cheaper Acura MDX Insurance in Kansas City

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Truthfully, the best way to get budget auto insurance rates in Kansas City is to regularly compare price quotes from insurers who sell auto insurance in Missouri.

First, spend some time learning about how insurance works and the changes you can make to keep rates down. Many rating criteria that are responsible for high rates such as multiple speeding tickets and a poor credit rating can be eliminated by paying attention to minor details.

Second, request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Allstate, while independent agencies can quote rates from multiple sources.

Third, compare the quotes to your existing policy and see if you can save money. If you find a better price, make sure there is no lapse in coverage.

The key thing to know about shopping around is that you'll want to compare similar coverage information on every price quote and and to get rates from as many carriers as you can. Doing this provides an accurate price comparison and the best price selection.

Insurance rates Acura MDX in Kansas CityEveryone knows that insurance companies want to keep you from shopping around. People who get comparison quotes once a year are highly likely to switch insurance companies because they have good chances of finding lower rate quotes. A study showed that consumers who routinely compared rates saved an average of $72 a month compared to those who didn't regularly shop around.

If finding discount rates on car insurance is your ultimate goal, knowing how to find and compare coverages can help simplify the process.

If you have a policy now, you will definitely be able to lower your rates using the tips covered below. Locating the best rates in Kansas City is not rocket science. But Missouri car owners must learn how big insurance companies sell online.

Statistics and details

The coverage table shown next covers estimates of rate quotes for Acura MDX models. Having knowledge of how car insurance prices are established can help customers make decisions when shopping your coverage around.

Acura MDX Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $156 $250 $322 $20 $96 $844 $70
MDX with Tech Package 4WD $156 $296 $322 $20 $96 $890 $74
MDX with Tech/Entertainment 4WD $156 $296 $322 $20 $96 $890 $74
MDX Advance 4WD $156 $296 $322 $20 $96 $890 $74
MDX Advance/Entertainment 4WD $156 $296 $322 $20 $96 $890 $74
Get Your Own Custom Quote Go

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Table data does not factor in specific Kansas City garaging location which can increase or decrease auto insurance rates noticeably.

Higher deductibles save money

When comparing insurance rates, the most common question is where to set your physical damage deductibles. The figures shown below may help to conceptualize the rate fluctuation between low and high insurance deductibles. The first set of prices uses a $250 deductible and the second price chart uses a $1,000 deductible.

Acura MDX insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $258 $346 $266 $16 $80 $991 $83
MDX with Tech Package 4WD $258 $408 $266 $16 $80 $1,053 $88
MDX with Tech/Entertainment 4WD $258 $408 $266 $16 $80 $1,053 $88
MDX Advance 4WD $258 $408 $266 $16 $80 $1,053 $88
MDX Advance/Entertainment 4WD $258 $408 $266 $16 $80 $1,053 $88
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Acura MDX insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $160 $218 $266 $16 $80 $740 $62
MDX with Tech Package 4WD $160 $258 $266 $16 $80 $780 $65
MDX with Tech/Entertainment 4WD $160 $258 $266 $16 $80 $780 $65
MDX Advance 4WD $160 $258 $266 $16 $80 $780 $65
MDX Advance/Entertainment 4WD $160 $258 $266 $16 $80 $780 $65
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in specific zip code location which can decrease or increase coverage rates significantly.

Based on this data, using a $250 deductible costs approximately $23 more each month or $276 every year than quoting the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 33 months between claims, you would probably be better off by going with a higher deductible.

Reckless driving habits raise Kansas City insurance rates

The diagram below demonstrates how citations and fender-benders can raise Acura MDX insurance costs for each different age category. Data assumes a single female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

Acura MDX liability-only versus full coverage

The example below visualizes the comparison of Acura MDX insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no violations or accidents, $500 deductibles, single status, and no discounts are factored in.

Deciding between full coverage and liability only

There is no definitive guideline to eliminate comp and collision coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the vehicle's replacement cost less your deductible, then you might consider buying liability only.

For example, let's assume your Acura MDX replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after paying your policy deductible. If it's costing in excess of $600 a year for your policy with full coverage, then it could be time to drop full coverage.

There are some scenarios where dropping full coverage is not recommended. If you haven't paid off your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Five Tips to Get Cheaper Kansas City Insurance Premiums

A large part of saving on car insurance is knowing some of the factors that go into determining the rates you pay for car insurance. When consumers understand what influences your rates, this allows you to make good choices that could result in better car insurance rates. Many factors are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but other criteria are not quite as obvious like where you live or how safe your car is.

The itemized list below are some of the most rate-impacting factors used by companies to determine your rate level.

  • Low deductibles can be expensive - Protection for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your Acura. Some coverage claims could be a dented fender, flood damage, and burglary. Comprehensive and collision coverage deductibles state the amount of money you are required to pay before your car insurance pays a claim. The more of the claim you're willing to pay, the less money you will pay for car insurance.
  • City dwellers may pay more - Choosing to live in less populated areas of the country is a good thing when insuring your vehicles. People in densely populated areas have more aggressive driving styles and more time behind the wheel. Lower population means fewer accidents in addition to fewer liability claims.
  • Your stress level may be raising your prices - Occupations such as military generals, executives, and accountants usually pay higher rates than average due to stressful work requirements and extremely grueling work hours. On the other hand, careers such as professors, students and the unemployed have lower than average premiums.
  • Gender impacts costs - Statistics show that females take fewer risks when driving. This data doesn't prove that females are better drivers. Both genders are responsible for auto accidents in similar percentages, but the males cause more damage. Not only that, but men also receive more major tickets like DUI and reckless driving.

    The information below illustrates the comparison of Acura MDX insurance costs for male and female drivers. The price estimates are based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no additional discounts are factored in.

  • Safer vehicles are cheaper to insure - Vehicles that have high safety ratings get lower rates. Vehicles built for safety reduce injuries and fewer injuries means lower claim amounts and thus lower rates.
  • Acura MDX insurance loss statistics - Companies factor in insurance loss information when determining insurance rates. Vehicles that the statistics show to have higher claim frequency or loss amount will have higher rates.

    The table shown below demonstrates the historical loss data for Acura MDX vehicles. For each type of coverage, the loss probability for all vehicles averaged together is a value of 100. Numbers under 100 suggest a better than average loss history, while values over 100 point to more frequent losses or statistically larger losses.

    Acura MDX Insurance Claim Statistics
    Vehicle 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

In conclusion

We just showed you a lot of ways to get a better price on Acura MDX insurance in Kansas City. The most important thing to understand is the more quotes you get, the higher your chance of finding affordable Acura MDX insurance quotes. Consumers could even find that the best price on car insurance is with an unexpected company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.

There are still a few companies who may not provide rates over the internet and these regional carriers sell through local independent agents. Lower-priced Acura MDX insurance in Kansas City can be purchased on the web in addition to many Kansas City insurance agents, so compare prices from both to have the best chance of lowering rates.

As you shop your coverage around, make sure you don't buy less coverage just to save a little money. There are many occasions where consumers will sacrifice liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

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