Acura MDX Insurance Rate Quotes in Jacksonville

It’s hard to believe, but nearly 70% of consumers have stayed with the same insurance company for well over three years, and practically 40% of car insurance customers have never quoted rates to find cheap coverage. With the average car insurance premium being $1,847, U.S. drivers could save themselves approximately 47% a year, but most undervalue how much money they would save if they moved their coverage to a different company.

Insurance quote for Acura MDX in JacksonvilleIf you want to save the most money, the best way to get budget Acura MDX insurance is to compare prices once a year from different companies that sell auto insurance in Jacksonville. Rates can be compared by completing these steps.

  1. Spend a few minutes and learn about what coverages are included in your policy and the changes you can make to prevent expensive coverage. Many factors that result in higher prices such as inattentive driving and poor credit history can be rectified by being financially responsible and driving safely. Read the full article for more details to keep prices down and find hidden discounts.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can quote prices for a wide range of insurance providers.
  3. Compare the quotes to your existing coverage and see if you can save money. If you find a lower rate, make sure there is no coverage gap between policies.
  4. Provide adequate notice to your current company to cancel your current coverage. Submit the required down payment along with the signed application to your new agent or company. Be sure to keep the new proof of insurance certificate in an easily accessible location.

One tip to remember is to compare identical coverage information on every price quote and and to get quotes from as many companies as possible. Doing this ensures an apples-to-apples comparison and a complete selection of prices.

Locating the most cost-effective auto insurance policy in Jacksonville can be made easier if you know where to look. If you have a policy now, you should be able to lower your rates using this strategy. You just need to use the most efficient way to compare prices over the internet.

The auto insurance companies shown below offer price comparisons in Jacksonville, FL. If several companies are displayed, we suggest you compare several of them to get the most competitive price.

Cheap Acura MDX insurance in Jacksonville

Auto insurance companies do not list every policy discount very clearly, so the list below contains a few of the more well known as well as some of the hidden discounts that may be available.Auto insurance discounts

Please keep in mind that most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, nobody gets a free ride.

The chart below visualizes the comparison of Acura MDX annual premium costs with and without discounts being applied to the rates. The data assumes a female driver, no accidents or driving violations, Florida state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, multi-policy, safe-driver, and multi-car discounts applied.

A partial list of companies that may offer policyholders some of the discounts shown above include:

If you need inexpensive Jacksonville auto insurance quotes, ask every company what discounts are available to you. Discounts may not apply to policyholders in Jacksonville. If you would like to view insurers that offer discounts in Jacksonville, click here to view.

Premium rates and analysis

The premium table below outlines a range of insurance coverage prices for Acura MDX models. Learning more about how rates are formulated can be of help when making decisions when choosing a new policy provider.


Acura MDX Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $376 $438 $546 $32 $164 $1,556 $130
MDX with Tech Package 4WD $376 $516 $546 $32 $164 $1,634 $136
MDX with Tech/Entertainment 4WD $376 $516 $546 $32 $164 $1,634 $136
MDX Advance 4WD $376 $516 $546 $32 $164 $1,634 $136
MDX Advance/Entertainment 4WD $376 $516 $546 $32 $164 $1,634 $136
Get Your Own Custom Quote Go

Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Prices do not factor in vehicle location which can increase or decrease insurance rates considerably.

Higher deductibles save money

One frequently asked question is how high or low should comp and collision deductibles be. The figures shown below may aid in understanding the premium difference when you select higher and lower policy deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second data 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 $406 $544 $418 $24 $124 $1,541 $128
MDX with Tech Package 4WD $406 $640 $418 $24 $124 $1,637 $136
MDX with Tech/Entertainment 4WD $406 $640 $418 $24 $124 $1,637 $136
MDX Advance 4WD $406 $640 $418 $24 $124 $1,637 $136
MDX Advance/Entertainment 4WD $406 $640 $418 $24 $124 $1,637 $136
Get Your Own Custom Quote Go

Acura MDX insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $330 $438 $418 $24 $124 $1,334 $111
MDX with Tech Package 4WD $330 $516 $418 $24 $124 $1,412 $118
MDX with Tech/Entertainment 4WD $330 $516 $418 $24 $124 $1,412 $118
MDX Advance 4WD $330 $516 $418 $24 $124 $1,412 $118
MDX Advance/Entertainment 4WD $330 $516 $418 $24 $124 $1,412 $118
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in specific location information which can alter coverage prices substantially.

We can derive from the above data that using a $250 deductible costs approximately $17 more each month or $204 a year than buying the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at least 15 months between claims, you would most likely save money by going with a higher deductible.

The illustration below demonstrates how deductible levels and can influence Acura MDX premium costs for each different age category. The premiums assume a single male driver, comp and collision included, and no discounts are factored in.

Careless driving habits raise car insurance rates

The diagram below highlights how traffic violations and at-fault claims can raise Acura MDX insurance prices for each different age category. The premium estimates are based on a married female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

Age, gender, and Acura MDX insurance

The diagram below compares Acura MDX insurance costs for male and female drivers. The premiums assume no claims or driving citations, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

Full coverage versus liability-only in Jacksonville

The example below illustrates the comparison of Acura MDX annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are single, and no additional discounts are factored in.

When to drop full coverage

There is no clear-cut formula for eliminating physical damage coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s say your Acura MDX settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after the deductible is paid. If premium cost is more than $600 a year to have full coverage, then you may need to consider dropping full coverage.

There are some cases where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should maintain full coverage.

Components of Your Acura MDX Insurance Prices

A large part of saving on insurance is knowing some of the factors that aid in calculating the price you pay for insurance. If you have some idea of what influences your rates, this allows you to make good choices that could help you find lower insurance prices. Multiple criteria are considered when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, although some other factors are not as apparent such as your marital status and annual miles driven.