Car Insurance Rates for an Acura MDX in Toledo

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To save the most money, the best way to get more affordable auto insurance rates in Toledo is to annually compare prices from insurance carriers that sell auto insurance in Ohio.

  • First, try to comprehend how insurance companies determine prices and the factors you can control to prevent rate increases. Many factors that increase rates such as speeding and bad credit can be controlled by making minor driving habit or lifestyle changes. Continue reading for more information to help prevent high rates and find additional discounts.
  • Second, request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like Progressive or State Farm, while agents who are independent can quote prices from many different companies. View insurance agents
  • Third, compare the new rate quotes to your current policy and determine if cheaper MDX coverage is available in Toledo. If you can save some money, make sure coverage does not lapse between policies.
  • Fourth, provide notification to your current company of your intention to cancel your current coverage. Submit the signed application along with the required initial payment for your new coverage. As soon as you can, place your new proof of insurance certificate in your glove compartment.

A valuable tip to remember is that you'll want to make sure you compare similar limits and deductibles on each quote and and to get prices from every company you can. Doing this helps ensure a level playing field and the most accurate and complete price analysis.

Insurance rates Acura MDX in ToledoUnbelievable but true according to a study a large majority of drivers have been with the same company for well over three years, and approximately 38% of consumers have never quoted rates to find affordable coverage. Many drivers in Toledo could cut their rates by about $730 a year just by getting comparison quotes, but they won't spend time to find affordable insurance by shopping around.

If you have coverage now or just want to reduce your rates, follow these tips to shop for the lowest rates without reducing coverage. Locating the most cost-effective auto insurance policy in Toledo is not that difficult. You just need to understand the tricks to get comparison rates using one simple form.

Best companies for low-cost Acura MDX insurance in Ohio

The companies shown below can provide free quotes in Ohio. To find the best auto insurance in Ohio, we suggest you visit several of them in order to get a fair rate comparison.

Acura MDX detailed coverage information

The coverage table shown next highlights detailed analysis of insurance rates for Acura MDX models. Having knowledge of how insurance prices are figured can assist in making informed coverage decisions.

Acura MDX Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $212 $346 $256 $16 $76 $906 $76
MDX with Tech Package 4WD $212 $408 $256 $16 $76 $968 $81
MDX with Tech/Entertainment 4WD $212 $408 $256 $16 $76 $968 $81
MDX Advance 4WD $212 $408 $256 $16 $76 $968 $81
MDX Advance/Entertainment 4WD $212 $408 $256 $16 $76 $968 $81
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Information does not factor in specific zip code location which can decrease or increase rates significantly.

Deductible analysis

The hardest decision when buying coverage is what deductibles to buy. The rates below determine the premium difference when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $100 physical damage deductible and the second rate chart uses a $1,000 deductible.

Acura MDX insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $246 $352 $226 $14 $68 $931 $78
MDX with Tech Package 4WD $246 $416 $226 $14 $68 $995 $83
MDX with Tech/Entertainment 4WD $246 $416 $226 $14 $68 $995 $83
MDX Advance 4WD $246 $416 $226 $14 $68 $995 $83
MDX Advance/Entertainment 4WD $246 $416 $226 $14 $68 $995 $83
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Acura MDX insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $136 $186 $226 $14 $68 $630 $53
MDX with Tech Package 4WD $136 $220 $226 $14 $68 $664 $55
MDX with Tech/Entertainment 4WD $136 $220 $226 $14 $68 $664 $55
MDX Advance 4WD $136 $220 $226 $14 $68 $664 $55
MDX Advance/Entertainment 4WD $136 $220 $226 $14 $68 $664 $55
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in vehicle garaging location which can change rates significantly.

Based on this data, using a $100 deductible will cost you approximately $27 more each month or $324 a year across all Acura MDX models than selecting the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 33 months between claim filings, you would save money if you elect the higher deductible. The table below illustrates an example of how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $82
Average monthly premium for $1,000 deductibles (subtract): - $55
Monthly savings from raising deductible: $27
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 33 months

An important thing to remember is that a higher deductible level results in having to pay to pay more out-of-pocket when you file a claim. You will want to have enough savings in the event you have to pay the higher deductible.

Poor driving habits will raise your auto insurance rates

The information below shows how speeding tickets and at-fault accidents influence Acura MDX auto insurance rates for different age groups. The premiums are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

Should you buy full coverage?

The illustration below visualizes the comparison of Acura MDX insurance rates with and without full coverage. The rate quotes are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

Should you pay for full coverage?

There is no written rule to exclude comp and collision coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of the vehicle's replacement cost less your deductible, then you might consider buying liability only.

For example, let's pretend your Acura MDX settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after paying your policy deductible. If you are currently paying more than $600 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are some conditions where removing full coverage is not recommended. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in case of an accident, you should maintain full coverage.

Get More Affordable Insurance Costs by Understanding These Factors

A large part of saving on insurance is knowing the factors that help calculate your insurance rates. If you understand what influences your rates, this enables informed choices that may result in lower rates.

Shown below are some of the major factors used by insurance companies to determine premiums.

Men pay higher prices - Statistics demonstrate females are less aggressive when driving. Now that doesn't mean women are better drivers. They both cause fender benders in similar percentages, but men cause more damage. In addition to higher claims, males also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.

The information below shows the comparison of Acura MDX auto insurance costs for male and female drivers. The rate quotes are based on no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, marital status is single, and no discounts are applied.

Age of drivers - Teen drivers in Ohio have a tendency to be more careless in a vehicle so insurance rates are higher. Adding a teen driver onto your insurance can be very expensive. Older insureds have been proven to be more responsible, cost insurance companies less in claims, and get fewer tickets.

The next chart is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

Annual miles impacts costs - The more you drive every year the more it will cost to insure it. The majority of insurers charge to insure your cars determined by how the vehicle is used. Vehicles used primarily for pleasure use cost less to insure compared to those used for work or business. Double check that your insurance policy is showing the right rating data. Having the wrong rating on your MDX is just wasting money.

Performance impacts insurance rates - The performance level of the car you are buying insurance for makes a substantial difference in the rate you pay. Economy passenger cars generally receive the lowest base rates, but your final cost has many other factors.

The data below uses these variables: single male driver age 40, full coverage with $500 deductibles, and no discounts or violations. It illustrates Acura MDX policy rates compared to other makes and models that have different performances.

You may save more by combining policies - Most insurance companies will award better rates to clients that have more than one policy such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even with this discount, it's always a smart idea to comparison shop to help guarantee you have the best rates.

Acura MDX insurance loss statistics - Insurance companies study historical loss data to calculate a rate that offsets possible losses. Models that tend to have increased losses will have higher rates.

The next table shows the compiled insurance loss statistics for Acura MDX vehicles. For each insurance policy coverage type, the claim probability for all vehicles, regardless of make or model, is equal to 100. Percentages below 100 suggest a positive loss record, while values over 100 point to more claims or an increased probability of a larger loss.

Acura MDX Insurance Claim Statistics
Vehicle Make and 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
BETTER
AVERAGE
WORSE

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

Save money with these discounts

Properly insuring your vehicles can get expensive, but there may be some discounts to help bring down the price. Some of these discounts will be visible at the time you complete a quote, but some need to be inquired about prior to getting the savings. If you are not receiving all the discounts you qualify for, you are not getting the best rate possible.Discount insurance

  • Multi-line Discount - Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life insurance policy as well.
  • Homeowners Savings - Being a homeowner may trigger a policy discount on insurance since owning and maintaining a home is proof that your finances are in order.
  • Defensive Driving Course - Taking time to complete a class that teaches driver safety techniques could cut 5% off your bill depending on where you live.
  • Theft Deterrent System - Cars optioned with advanced anti-theft systems prevent vehicle theft and earn discounts up to 10% off your Toledo car insurance quote.
  • Accident Waiver - This one is not really a discount per se, but certain companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.
  • Save with a New Car - Putting insurance on a new MDX can save you some money compared to insuring an older model.
  • Braking Control Discount - Cars with anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
  • Early Switch Discount - Some insurance companies provide a discount for switching to them prior to your current MDX insurance policy expiring. It's a savings of about 10%.
  • Early Payment Discounts - If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.
  • Paperwork-free - A few companies will discount your bill up to fifty bucks shop Toledo car insurance digitally online.

A quick disclaimer, most credits do not apply to the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, you aren't that lucky.

The diagram below shows the difference between Acura MDX insurance rates with and without policy discounts. The data is based on a male driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, multi-car, safe-driver, and multi-policy discounts applied.

Companies and some of the premium reductions they offer are:

  • American Family has savings for good student, defensive driver, good driver, TimeAway discount, early bird, accident-free, and Steer into Savings.
  • Nationwide offers discounts including anti-theft, good student, defensive driving, accident-free, Farm Bureau membership, and easy pay.
  • MetLife may include discounts for multi-policy, accident-free, good student, defensive driver, good driver, and claim-free.
  • 21st Century may offer discounts for student driver, driver training, 55 and older, good student, and air bags.
  • Farmers Insurance offers discounts for youthful driver, bundle discounts, early shopping, teen driver, and homeowner.
  • Allstate policyholders can earn discounts including passive restraint, early signing, senior citizen, FullPay discount, and utility vehicle.

When getting free Toledo car insurance quotes, it's a good idea to each company or agent how many discounts you can get. Discounts may not apply to policies in Toledo.

You may need advice from an insurance agent

Some people still like to visit with an insurance agent and doing that can be a smart decision Experienced insurance agents can answer important questions and give you someone to call. One of the great benefits of getting online price quotes is you can get the lowest rates but still work with a licensed agent. And supporting local insurance agencies is definitely important in Toledo.

Toledo insurance agentsOnce you complete this short form, your insurance coverage information is submitted to companies in Toledo that can provide free Toledo car insurance quotes to get your business. You won't need to leave your computer since price quotes are sent immediately to you. If you wish to compare prices from one company in particular, feel free to jump over to their website and fill out the quote form the provide.

If you want to buy insurance from a reliable insurance agency, it's helpful to know the different types of agents and how they can service your needs differently. Insurance policy providers can be classified as either independent (non-exclusive) or exclusive. Both types can write insurance policies, but it's worth mentioning the differences since it could factor into which type of agent you select.

Independent Insurance Agencies or Brokers

These type of agents are not employed by one company and that is an advantage because they can write policies with lots of companies and get you the best rates possible. If they find a cheaper price, your agent can just switch to a different company which is easy for the insured.

When comparing rate quotes, you will want to include price quotes from several independent insurance agents in order to have the best price comparison.

Listed below is a partial list of independent insurance agents in Toledo who can help you get pricing information.


229 Superior St - Rossford, OH 43460 - (419) 666-5703 - View Map


3132 W Sylvania Ave - Toledo, OH 43623 - (419) 725-0056 - View Map


2330 Airport Hwy - Toledo, OH 43609 - (419) 385-3101 - View Map

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Exclusive Insurance Agencies

Agents that choose to be exclusive can only provide pricing for a single company and examples are Farmers Insurance, Allstate, or State Farm. They usually cannot shop your coverage around so you need to shop around if the rates are high. They are well trained on the products they sell which aids in selling service over price.

Listed below is a list of exclusive insurance agents in Toledo willing to provide price quote information.


457 S Reynolds Rd d - Toledo, OH 43615 - (419) 531-4800 - View Map


5330 Heatherdowns Blvd Ste 203 - Toledo, OH 43614 - (419) 867-8887 - View Map


2828 Central Ave - Toledo, OH 43606 - (419) 473-3276 - View Map

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Choosing an car insurance agent needs to be determined by more than just a cheap price. Any agent in Toledo should be forthright in answering these questions:

  • Does the company use OEM repair parts?
  • Will you work with the agent or an assistant?
  • Is the agent CPCU or CIC certified?
  • Does the agent help file claims?
  • Can you use your own choice of collision repair facility?

Best auto insurance in Toledo

Buying coverage from a highly-rated insurer can be rather challenging considering how many companies sell insurance in Toledo. The information shown next can help you decide which providers to look at to insure your vehicles.

Top Auto Insurance Companies in Ohio
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

Will just any policy work for me?

When it comes to coverage online or from an agent, there really is not a single plan that fits everyone. Your needs are not the same as everyone else's.Drive safe and save

These are some specific questions might point out whether or not you would benefit from an agent's advice.

  • What is the rate difference between pleasure use and commuting?
  • Is my camper covered by my car insurance policy?
  • What is motorclub and do I need it?
  • Are my friends covered when driving my car?
  • Are there any extra discounts I can get?
  • What is the difference between comprehensive and collision coverage?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It's fast, free and can provide invaluable advice.

More quotes mean more insurance savings

Low-cost Acura MDX insurance in Toledo can be purchased on the web as well as from independent agents in Toledo, so you should compare both to have the best selection. Some companies do not provide the ability to get quotes online and most of the time these smaller companies prefer to sell through independent agents.

Insureds who switch companies do it for any number of reasons including policy cancellation, unfair underwriting practices, extreme rates for teen drivers or even delays in paying claims. It doesn't matter why you want to switch switching companies can be less work than you think.

You just learned some good ideas how you can save on Acura MDX insurance in Toledo. The key concept to understand is the more providers you compare, the better chance you'll have of finding low cost Toledo car insurance quotes. You may even discover the best price on insurance is with some of the lesser-known companies.

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