Save on Acura MDX Insurance in Fresno

Everyone knows that car insurance companies don’t want you comparing rates. People who perform rate comparisons will most likely switch to a new company because they have good chances of finding a more affordable policy premium. A recent survey discovered that drivers who shopped around saved over $850 each year compared to other drivers who don’t regularly compare prices.

If finding the cheapest rates on auto insurance in Fresno is your ultimate target, then understanding how to get rate quotes and compare insurance premiums can help you succeed in finding affordable rates.

The best way to get more affordable Acura MDX insurance in Fresno is to regularly compare quotes from insurers who provide auto insurance in California.

• First, read and learn about auto insurance and the factors you can control to prevent high rates. Many risk factors that cause high rates such as accidents, traffic violations, and a not-so-good credit rating can be amended by being financially responsible and driving safely.
• Second, compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agents can provide price quotes from multiple insurance companies. View prices
• Third, compare the price quotes to the price on your current policy to see if you can save by switching companies. If you can save money and decide to switch, verify that coverage does not lapse between policies.
• Fourth, tell your current company to cancel your current car insurance policy. Submit a down payment and signed policy application for your new policy. Make sure you keep the new certificate of insurance with your registration paperwork.

The key thing to know about shopping around is that you’ll want to compare similar deductibles and liability limits on every price quote and and to get rates from as many carriers as you can. This helps ensure a level playing field and many rates to choose from.

Most companies like Progressive, Allstate and GEICO provide coverage price quotes on their websites. Obtaining pricing for Acura MDX insurance in Fresno is pretty painless because it’s just a matter of typing in your required coverages as requested by the quote form. After the form is submitted, their rating system obtains your driving record and credit report and returns a price determined by many factors.

This simplifies rate comparisons, and it’s necessary to get many rate quotes in order to find the cheapest price possible.

If you want to compare rates now, compare quotes from the companies shown below. If you have coverage now, it’s recommended you input your coverages just like they are on your policy. Doing this guarantees you will be getting rate comparison quotes using the exact same coverages.

The providers in the list below can provide quotes in California. If you want to find cheap auto insurance in California, we recommend you visit several of them to get the best price comparison.

Three reasons to insure your vehicle

Despite the high cost of buying insurance for a Acura MDX in Fresno, maintaining insurance serves an important purpose.

• Most states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your vehicle has a loan, most banks will require that you have physical damage coverage to guarantee their interest in the vehicle. If you default on your policy, the lender will be forced to insure your Acura for a much higher rate and require you to fork over for it.
• Insurance protects both your assets and your Acura. It will also cover medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of insuring your car definitely exceed the cost, particularly if you ever have a claim. On average, a vehicle owner in Fresno overpays more than $810 a year so you should quote rates each time the policy renews to ensure rates are competitive.

Insurance rate breakdown

The table displayed below covers estimates of insurance coverage prices for Acura MDX models. Having a better understanding of how insurance premiums are determined helps drivers make informed decisions when comparing rate quotes.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in vehicle garaging location which can influence prices noticeably.

Physical damage deductibles: Should you raise them?

A question often asked by Fresno drivers is what deductibles to buy. The comparison tables below sum up how much more you’ll pay when you select higher and lower policy deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rates do not factor in zip code location which can change insurance rates noticeably.

Based on these figures, using a $250 deductible will cost you approximately $35 more each month or $420 every year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 21 months between claim filings, you would most likely save money if you choose a higher deductible.

The information below highlights how deductible choice and can change Acura MDX annual premium costs for each age group. The rate quotes are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

Discounts for cheap car insurance rates

Some insurers do not advertise every discount they offer very clearly, so we took the time to find both well-publicized as well as the least known discounts you could be receiving when you buy Fresno auto insurance online.

• Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you can avoid monthly service charges.
• Clubs and Organizations – Belonging to specific professional or occupational memberships or organizations is a good way to get lower rates on your policy.
• Passive Restraint Discount – Factory air bags may get savings of up to 25% or more.
• New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper because new model year vehicles are generally safer.
• Early Renewal Discounts – A few car insurance companies give discounts for switching policies early. This can save 10% or more.

Consumers should know that some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, car insurance companies aren’t that generous.

The diagram below compares Acura MDX annual premium costs with and without some available policy discounts. The data is based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, marriage, multi-policy, and multi-car discounts applied.

A few of the larger companies and their possible discounts can be found below.

• GEICO offers discounts including military active duty, multi-vehicle, defensive driver, anti-theft, emergency military deployment, and seat belt use.
• MetLife may include discounts for defensive driver, accident-free, good driver, claim-free, and multi-policy.
• State Farm has discounts for passive restraint, Steer Clear safe driver discount, good student, student away at school, and safe vehicle.
• Progressive discounts include online signing, continuous coverage, good student, multi-vehicle, online quote discount, and homeowner.
• Mercury Insurance policyholders can earn discounts including annual mileage, good driver, age of vehicle, type of vehicle, and ease of repair.
• 21st Century may offer discounts for student driver, driver training, air bags, homeowners, teen driver, and automatic seat belts.
• Allstate includes discounts for defensive driver, EZ pay plan discount, eSmart discount, 55 and retired, and anti-lock brakes.

If you need low cost Fresno auto insurance quotes, ask each company or agent to apply every possible discount. A few discounts may not apply to policies in every state.

Exclusive and independent auto insurance agents

A lot of people would prefer to talk to a local agent and often times that is recommended An additional benefit of getting online price quotes is the fact that you can find cheap rate quotes and still have an agent to talk to. And supporting neighborhood insurance agencies is important particularly in Fresno.

To help locate an agent, after submitting this quick form, your insurance coverage information is emailed to local insurance agents in Fresno that provide free Fresno auto insurance quotes to get your business. There is no need to search for an agent as quotes are delivered instantly to you. You can most likely find cheaper rates without having to waste a lot of time. If you have a need to compare prices from a specific insurance company, feel free to find their quoting web page and give them your coverage information.

Types of car insurance agents

If you prefer to buy insurance from a good insurance agency, it’s important to understand the types of insurance agents and how they can quote your rates. Agents are categorized either independent or exclusive.

Independent Agents

Agents that elect to be independent can sell policies from many different companies and that is an advantage because they can write policies amongst many companies depending on which coverage is best. If you want to switch companies, they simply switch companies in-house and you stay with the same agent. If you are trying to find cheaper rates, you absolutely need to contact at a minimum one independent agency to have the most options to choose from. Most also have access to smaller regional carriers which may have better rates.

Featured below are Fresno independent agencies who may provide price quotes.

• New Horizon Insurance
  3039 W Ashlan Ave – Fresno, CA 93726 – (559) 244-6644 – View Map
• Bulldog Insurance Agency
  7975 N Cedar Ave – Fresno, CA 93720 – (559) 447-5000 – View Map
• New Horizon Insurance Services
  325 Clovis Ave #114 – Clovis, CA 93612 – (559) 322-2525 – View Map

View more Fresno agents

Exclusive Agencies

Agents of this type can usually just insure with one company and some examples include State Farm, AAA, and Liberty Mutual. These agents are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agencies are highly trained on the products they sell which aids in selling service over price. Some consumers prefer to purchase coverage from exclusives mainly due to the brand name and solid financial strength.

Shown below are exclusive agencies in Fresno that can give you price quotes.

• Greg Caves – State Farm Insurance Agent
  7740 N Fresno St #103 – Fresno, CA 93720 – (559) 435-7500 – View Map
• Kurt Sieve – State Farm Insurance Agent
  1177 N Willow Ave Suite 102 – Clovis, CA 93611 – (559) 900-7908 – View Map
• Farmers Insurance: Israel Cortes
  5446 N Palm Ave #105 – Fresno, CA 93704 – (559) 230-1300 – View Map

View more Fresno agents

Selecting an insurance agent should include more criteria than just a cheap price quote. Below are some questions you should ask.

• Are they able to provide referrals?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Does the agency have a good rating with the Better Business Bureau?
• What are the financial ratings for the companies they represent?
• Is there a Errors and Omissions policy in force?
• Can glass repairs be made at your home?

Persistence pays off

Insureds switch companies for many reasons like policy cancellation, being labeled a high risk driver, delays in responding to claim requests and even high prices. It doesn’t matter what your reason, switching car insurance companies is pretty simple and you could end up saving a buck or two.

We’ve covered a lot of ways to get a better price on Acura MDX insurance in Fresno. The most important thing to understand is the more rate quotes you have, the higher your chance of finding the cheapest Acura MDX rate quotes. You may even find the lowest auto insurance rates are with the least-expected company.

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where someone dropped liability limits or collision coverage only to discover later that the savings was not a smart move. The proper strategy is to find the BEST coverage at an affordable rate while still protecting your assets.

More detailed car insurance information can be found at these sites:

• Auto Insurance 101 (About.com)
• Who Has the Cheapest Fresno Car Insurance Rates for Uber Drivers? (FAQ)
• How Much are Car Insurance Quotes for a GMC Sierra in Fresno? (FAQ)
• Who Has the Cheapest Car Insurance for Used Cars in Fresno? (FAQ)
• Who Has Affordable Auto Insurance After a Speeding Ticket in Fresno? (FAQ)
• Vehicle Size and Weight FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
• Coverage Information (Progressive Insurance)