Insurance rates Acura MDX in Fort CollinsTired of wondering where the money will come from to keep your car insured? Your situation is no different than many other Colorado consumers.

It's amazing but the vast majority of consumers renewed their policy with the same company for well over three years, and virtually 40% of consumers have never even shopped around for lower-cost coverage. Colorado drivers could pocket up to 35% a year by just comparing quotes, but they just assume it takes a lot of time to compare rate quotes.

Lots of insurance companies contend for your business, and it can be difficult to compare rates to find the absolute lowest rate possible on Acura MDX insurance in Fort Collins.

It's a great practice to compare prices at least once a year since insurance prices fluctuate regularly. Just because you had the best price on Acura MDX insurance in Fort Collins at your last renewal you may be paying too much now. Ignore everything you know about insurance because you're going to get a crash course in one of the quickest ways to find better rates and still maintain coverage.

If you have a current car insurance policy, you will definitely be able to find better prices using the following tips. Choosing the best rates in Fort Collins is much easier if you know where to start. Nevertheless, Colorado drivers should learn how insurance companies sell online because rates fluctuate considerably.

It's important to know that comparing more quotes provides better odds of finding a lower rate.

The companies in the list below provide free quotes in Colorado. If the list has multiple companies, we suggest you click on several of them in order to get a fair rate comparison.

Acura MDX Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $272 $424 $426 $26 $128 $1,276 $106
MDX with Tech Package 4WD $334 $620 $426 $26 $128 $1,534 $128
MDX with Tech/Entertainment 4WD $206 $390 $426 $26 $128 $1,176 $98
MDX Advance 4WD $266 $492 $456 $28 $136 $1,378 $115
MDX Advance/Entertainment 4WD $270 $426 $358 $22 $108 $1,184 $99
Get Your Own Custom Quote Go

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price estimates do not factor in specific garaging location which can raise or lower premium rates substantially.

Raise deductibles and save

The chart below illustrates how your deductible choice and can affect Acura MDX insurance prices for different age groups of insureds. The data assumes a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Why you need to buy car insurance

Despite the fact that car insurance is not cheap in Fort Collins, buying car insurance is most likely required but also gives you several important benefits.

The benefits of having car insurance definitely exceed the cost, especially if you ever need it. Unknowingly, the average driver overpays more than $810 a year so you should quote rates at every policy renewal to ensure rates are competitive.

Why You Might Pay Inflated Rates in Fort Collins

Many different elements are considered when premium rates are determined. Some of the criteria are obvious like your driving record, but others are more obscure like your continuous coverage or your financial responsibility. A large part of saving on auto insurance is knowing some of the elements that help calculate auto insurance rates. When consumers understand what determines base rates, this allows you to make good choices that can earn you much lower annual insurance costs.

The following are some of the major factors companies use to determine your premiums.

Employer stress can affect prices - Do you work in a high-stress field? Occupations like fire fighters, airline pilots, and financial analysts have higher rates than average because of job stress and lengthy work days. On the flip side, occupations like scientists, historians and the unemployed receive lower rates.

Gender and insurance coverage - Statistics demonstrate women are more cautious behind the wheel. However, don't assume that women are BETTER drivers than men. Females and males have at-fault accidents in similar numbers, but guys get into accidents with more damage. Men also statistically get ticketed for serious violations like reckless driving and DUI.

Adjust deductibles and save - The deductibles tell how much you are willing to pay if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. A few examples of covered claims are colliding with a stationary object, hail damage, or theft of your vehicle. The more damage repair cost you are required to pay out-of-pocket, the less your auto insurance will be.

Never let your auto insurance policy lapse - Driving without insurance coverage in place is a big no-no and you may have a hard time finding new coverage because you let your insurance lapse. Not only will rates go up, not being able to provide proof of insurance could result in fines and jail time.

Save money by eliminating extra coverages - Insurance companies have many additional coverages that may not really be needed if you aren't careful. Coverages like rental car reimbursement, death and dismemberment, and extra equipment coverage may not be needed and are just wasting money. The coverages may be enticing at first, but if you have no use for them get rid of them and save.

Pay more if you have a long commute - Residing in smaller towns and rural areas of the country can save you money when insuring your vehicles. Less people living in that area means less chance of accidents and a lower car theft rate. Urban drivers regularly have congested traffic and higher rates of accident claims. More time behind the wheel translates into higher accident risk.

No claims equals better auto insurance rates - If you're an insured who likes to file claims you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies in Colorado give the best rates to people who are not frequent claim filers. Your insurance policy is meant to be used in the event of more catestrophic claims.

Insurance losses for an Acura MDX - Insurance companies analyze historical claim data as a way to help calculate a profitable premium price. Models that the data shows to have higher losses will have a higher premium rate. The next table shows the insurance loss data for Acura MDX vehicles.

For each coverage type, the loss probablilty for all vehicles, as an average, is represented as 100. Values that are under 100 suggest a better than average loss history, while values that are above 100 indicate a higher chance of having a claim or a tendancy for claims to be larger.

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

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Verify you're earning every discount

Auto insurance is not inexpensive, but you might already qualify for some discounts that can help lower your rates. Certain credits will be shown when you complete an application, but some may not be applied and must be inquired about before being credited.Save money with discounts

Remember that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, you're out of luck.

If you would like to choose from a list of auto insurance companies that offer the discounts shown above in Fort Collins, follow this link.

Everyone needs different car insurance coverages

When choosing adequate coverage, there is no one-size-fits-all type of policy. Your financial needs are unique.Higher deductibles save money

Here are some questions about coverages that can help discover if you will benefit from professional help.

If you can't answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Independent or exclusive insurance agents

Certain consumers still like to have an agent's advice and that is OK! One of the benefits of price shopping on the web is you may find lower premium rates but also keep your business local. Putting coverage with local agents is important particularly in Fort Collins.

For easy comparison, once you complete this simple form, your information is instantly submitted to companies in Fort Collins who will return price quotes and help you find cheaper coverage. You don't have to even leave your home because quoted prices will be sent directly to your email. You can most likely find cheaper rates without requiring a lot of work. If you have a need to quote rates from a specific company, don't hesitate to go to their quote page and complete a quote there.

Exclusive or Independent: There is a difference

If you would like to find a reputable agency, there are two different agency structures from which to choose. Insurance agents in Fort Collins can be categorized as either independent (non-exclusive) or exclusive.

Independent Agencies or Brokers

Agents that elect to be independent do not have single company limitations so they can write business through lots of different companies and get you the best rates possible. If they quote lower rates, they simply move your policy to a different company and that require little work on your part.

When shopping rates, it's recommended you get several quotes from several independent agencies in order to have the best price comparison.

Featured below is a small list of independent insurance agents in Fort Collins that may be able to give free price quotes.

1100 Haxton Dr # 100 - Fort Collins, CO 80525 - (970) 223-1804 - View Map

525 N Denver Ave - Loveland, CO 80537 - (970) 622-9734 - View Map

1719 E Mulberry St - Fort Collins, CO 80524 - (970) 663-5811 - View Map

More insurance agents

Exclusive Agents

Exclusive agents write business for a single company such as State Farm or Allstate. Exclusive agents are unable to shop your coverage around so always compare other rates. These agents receive a lot of sales training on their products and sales techniques which helps them sell on service rather than price.

Shown below is a list of exclusive agents in Fort Collins who can help you get rate quotes.

5125 S College Ave b - Fort Collins, CO 80525 - (970) 204-0020 - View Map

4050 S Timberline Rd Unit 100 - Fort Collins, CO 80525 - (970) 377-0676 - View Map

2000 S College Ave #210 - Fort Collins, CO 80525 - (970) 229-9393 - View Map

More insurance agents

Picking an car insurance agent needs to be determined by more than just a cheap price. Here are some questions you might want to ask.

Shop smart and save

Insureds switch companies for a number of reasons such as denial of a claim, extreme rates for teen drivers, high rates after DUI convictions and even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new company is less work than it seems.

As you shop your coverage around, never skimp on coverage in order to save money. In too many instances, someone dropped comprehensive coverage or liability limits only to regret that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at the best price, but do not sacrifice coverage to save money.

In this article, we covered a lot of ways to reduce Acura MDX insurance premium rates online in Fort Collins. It's most important to understand that the more rate comparisons you have, the better your comparison will be. You may even be surprised to find that the best premium rates are with some of the lesser-known companies.

Additional insurance information can be found at the links below