Insurance quote for Acura MDX in Colorado SpringsHow long has it been since you shopped around for more competitive Acura MDX insurance in Colorado Springs? Locating the cheapest insurance for a new or used Acura MDX in Colorado can normally be difficult, but you can learn the following methods to save time.

There are both good and bad ways to buy car insurance so you're going to learn the best way to price shop coverage on a Acura and locate the lowest price either online or from Colorado Springs insurance agents.

Discounts can help lower rates on Acura MDX insurance in Colorado Springs

Companies don't always publicize every available discount very clearly, so the list below details some of the more common as well as the least known discounts you could be receiving when you buy Colorado Springs car insurance online.Cheaper car insurance with discounts

Don't be surprised that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. So when it seems like all those discounts means the company will pay you, you won't be that lucky.

Some of the larger companies who might offer these money-saving discounts possibly include:

Check with every company the best way to save money. Some credits might not apply in every state. To see a list of providers that offer many of these discounts in Colorado, follow this link.

All the larger insurance companies like State Farm, Allstate and GEICO provide coverage prices online. Obtaining pricing for Acura MDX insurance in Colorado Springs is easy for anyone as you just type in the amount of coverage you want into the quote form. When the form is submitted, their rating system sends out for your driving record and credit report and quotes a price determined by many factors.

This makes it a lot easier to compare rates and it's also necessary to have as many quotes as possible if you are searching for lower-cost rates.

If you want to find out if lower rates are available, check out the insurance providers below. If you have your current policy handy, we recommend you replicate the coverage information exactly as they are listed on your policy. Doing this guarantees you will receive a fair comparison using the exact same coverages.

The car insurance companies shown below offer free quotes in Colorado. If several companies are displayed, we suggest you visit as many as you can to find the cheapest car insurance rates.

Acura MDX Insurance Rates in Colorado Springs, CO
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 $252 $400 $362 $22 $108 $1,144 $95
MDX with Tech/Entertainment 4WD $182 $332 $396 $24 $118 $1,052 $88
MDX Advance 4WD $378 $662 $474 $28 $142 $1,684 $140
MDX Advance/Entertainment 4WD $294 $528 $396 $24 $118 $1,360 $113
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in vehicle garaging location which can raise or lower insurance rates greatly.

Comparison of auto insurance rates by age and gender

The chart below compares Acura MDX insurance premiums for male and female drivers. The premiums assume no violations or accidents, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are factored in.

How violations and accidents impact rates

The chart below illustrates how traffic citations and at-fault fender-benders increase Acura MDX car insurance costs for different age groups of insureds. The rates are based on a married female driver, full coverage, $500 deductibles, and no discounts are applied.

Physical damage deductibles

One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The rates below summarize the rate difference when you buy lower versus higher comp and collision deductibles. The first data set uses a $250 physical damage deductible and the second rate table uses a $500 deductible.

Acura MDX insurance rates with $250 deductibles
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
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Acura MDX insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $278 $368 $352 $20 $106 $1,124 $94
MDX with Tech Package 4WD $278 $434 $352 $20 $106 $1,190 $99
MDX with Tech/Entertainment 4WD $278 $434 $352 $20 $106 $1,190 $99
MDX Advance 4WD $278 $434 $352 $20 $106 $1,190 $99
MDX Advance/Entertainment 4WD $278 $434 $352 $20 $106 $1,190 $99
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Prices do not factor in vehicle location which can decrease or increase premiums substantially.

We can estimate from the data above that using a $250 deductible would cost the average driver about $16 more each month or $192 every year than requesting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go more than 16 months between claim filings, you would save more money if you decide on a higher deductible.

You may require the services of an insurance agent

Many drivers prefer to go talk to an agent and that is a personal choice. Most agents are very good at helping people manage risk and will help you if you have claims. A nice benefit of comparing car insurance online is that you can obtain cheap car insurance quotes but also keep your business local. Buying from and supporting local insurance agencies is still important in Colorado Springs.

To find an agent, once you fill out this simple form, your information gets sent to insurance agents in Colorado Springs that give free quotes for your coverage. It's much easier because you don't need to search for any insurance agencies because prices are sent to your email. If you wish to get a rate quote from a particular provider, don't hesitate to navigate to their website and submit a quote form there.

The following are Colorado Springs car insurance companies willing to provide price quote information for Acura MDX insurance in Colorado Springs.

More Colorado Springs agents

Deciding on a insurer shouldn't rely on just the price. A good agent in Colorado Springs will have answers to these questions.

Once you have answers to your satisfaction to these questions and an acceptable price quote, most likely you have located a company that can be trusted to provide car insurance coverage. Just remember you are able to terminate coverage at any point so don't think you're contractually obligated to any specific company for the full policy term.

More effort can pay off

As you restructure your insurance plan, don't be tempted to sacrifice coverage to reduce premiums. In too many instances, someone dropped comprehensive coverage or liability limits only to discover later that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Budget-conscious Acura MDX insurance can be purchased from both online companies as well as from independent agents in Colorado Springs, so you should compare both to have the best chance of lowering rates. Some insurance companies may not have rate quotes online and usually these regional insurance providers only sell coverage through local independent agents.

People change insurance companies for many reasons like questionable increases in premium, high rates after DUI convictions, delays in responding to claim requests or being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

More detailed car insurance information can be found in these articles: