Auto Insurance Rates for an Acura MDX in El Paso

The recommended way to get discount Acura MDX insurance in El Paso is to make a habit of regularly comparing prices from insurance carriers that insure vehicles in Texas.

Step 1: Get a basic knowledge of the different coverages in a policy and the measures you can take to lower rates. Many risk factors that are responsible for high rates such as at-fault accidents, speeding tickets, and a negative credit history can be rectified by making minor changes in your lifestyle. Keep reading for information to get better rates and earn a bigger discount.

Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO or Allstate, while independent agents can provide prices from multiple insurance companies.

Step 3: Compare the new quotes to the premium of your current policy and see if there is a cheaper rate. If you find a better price, make sure there is no coverage gap between policies.

Step 4: Provide notification to your current company of your decision to cancel your current car insurance policy and submit a down payment along with a completed application to your new company or agent. Once the application is submitted, keep your new proof of insurance certificate in an accessible location in your vehicle.

An important note is to compare identical deductibles and limits on every price quote and and to look at as many car insurance companies as possible. Doing this enables a level playing field and and a good selection of different prices.

A recent car insurance study revealed that the vast majority of drivers renewed their policy with the same company for well over three years, and nearly half have never quoted rates to find cheap coverage. Drivers in Texas could save an average of almost 70% each year by just shopping around, but most undervalue how much they could save if they changed companies.

The following companies are our best choices to provide free quotes in El Paso, TX. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.

Car insurance data for an Acura MDX

The information below covers different insurance prices for Acura MDX models. Learning as much as possible about how car insurance premiums are established can be of help when making smart choices when buying a policy.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price information does not factor in vehicle garaging location which can affect price quotes greatly.

Higher deductibles save money

One of the hardest decisions when shopping for car insurance is how high should your deductibles be. The following insurance rates may help to illustrate the difference in cost of buying low and high comp and collision deductibles. The first rate table uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can raise or lower price quotes considerably.

Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $44 more each month or $528 every year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 20 months between claim filings, you would most likely save money if you choose a higher deductible.

The information below illustrates how your deductible choice and can affect Acura MDX premium costs for each age group. The rate quotes are based on a married female driver, comp and collision included, and no discounts are applied to the premium.

Full coverage rates compared to liability-only

The diagram below shows the difference between Acura MDX insurance prices with liability coverage only compared to full coverage. The premiums are based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no discounts are factored in.

When to drop comprehensive and collision

There is no definitive rule of when to phase out full coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s say your Acura MDX settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $3,000 after paying the physical damage deductible. If premium cost is more than $300 a year to have full coverage, then you might want to think about dropping full coverage.

There are a few situations where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

What is the best car insurance coverage?

Keep in mind that when it comes to choosing proper insurance coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

• Which companies are cheaper for teen drivers?
• Can I make deliveries for my home business?
• How much coverage applies to personal belongings?
• Why are teen drivers so expensive to add on to my policy?
• Are combined or split liability limits better?
• Do I need PIP (personal injury protection) coverage in Texas?
• Am I covered when driving someone else’s vehicle?
• Can I cancel at any time?
• Where can I find high-risk insurance?
• Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

When to have guidance from a local insurance agent

Some people just prefer to get professional advice from a licensed agent and that is just fine! Insurance agents can answer important questions and give you someone to call. An additional benefit of getting online price quotes is the fact that you can find cheap insurance rates and still buy from a local agent.

For easy comparison, once you complete this quick form, your insurance coverage information gets sent to local insurance agents that can give you free El Paso auto insurance quotes for your coverage. You don’t have to find an agent since rate quotes are delivered to you directly. If you have a need to compare rates from a specific insurance company, you can always find their quoting web page and fill out the quote form the provide.

Deciding on a company is decision based upon more than just a cheap price. Here are some questions to ask:

• Does the company have a local claim office in El Paso?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Do they assist clients in filing claims?
• Did they already check your driving record and credit reports?
• Will the company cover a rental car if your car is getting fixed?
• Do they get extra compensation for selling add-on coverages?
• When do they do policy reviews?
• Can glass claims be handled at your home?

The type of car insurance agent you choose is important

If you are wanting to find a reputable insurance agent or broker, there are two types of insurance agents and how they are distinctly different. Insurance agents in El Paso are classified as either independent or exclusive depending on the company they work for. Both types can properly insure your vehicles, but it is important to understand how they differ since it could factor into which type of agent you select.

Exclusive Insurance Agencies

Agents that choose to be exclusive write business for a single company and examples are Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot provide rate quotes from other companies so they are skilled at selling on more than just price. They are well schooled on the products they sell and that can be a competitive advantage. Many people purchase coverage from exclusives primarily because of the brand rather than low rates.

Below is a list of exclusive agents in El Paso willing to provide comparison quotes.

• Tom Silverthorn – State Farm Insurance Agent
  125 Thunderbird Dr a – El Paso, TX 79912 – (915) 581-3379 – View Map
• Crystal Martinez – State Farm Insurance Agent
  12295 Pellicano Dr #2 – El Paso, TX 79936 – (915) 855-8555 – View Map
• James Valenzuela – State Farm Insurance Agent
  11617 Pellicano Dr – El Paso, TX 79936 – (915) 858-6262 – View Map

View more agents

Independent Insurance Agents

Agents in the independent channel are not locked into one company and that allows them to write policies through lots of different companies and find you the best rates. If your agent finds better pricing, your agent can switch companies which makes it simple for you.

If you need cheaper insurance rates, it’s a good idea to compare prices from at least one independent agent so that you can do a thorough price comparison. A lot of them also have access to small regional insurance companies which could offer lower prices.

Listed below are El Paso independent insurance agents that can give you rate quotes.

• Omega Insurance Agency
  1580 George Dieter Dr #303 – El Paso, TX 79936 – (915) 856-6700 – View Map
• Colonial Insurance Agency
  7636 Gateway Blvd E – El Paso, TX 79915 – (915) 592-0999 – View Map
• Pan American Insurance
  7399 Alameda Ave – El Paso, TX 79915 – (915) 772-9000 – View Map

View more agents

What is the best car insurance company in El Paso?

Picking the right car insurance company is hard considering how many companies are available to choose from in El Paso. The company information shown next may help you decide which coverage providers to look at comparing price quotes from.

Top 10 El Paso Car Insurance Companies by A.M. Best Rank

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. The Hartford – A+
9. Allstate – A+
10. Nationwide – A+

Top 10 El Paso Car Insurance Companies Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General