Insurance rates Acura MDX in IndianapolisAre you looking for the cheapest insurance rates in Indianapolis, IN? Indianapolis buyers have a choice when searching for the best price on Acura MDX insurance. They can either spend hours contacting agents trying to get quotes or use the internet to compare rates. There are both good and bad ways to buy insurance so we're going to tell you the quickest way to price shop coverage on a Acura and find the lowest price either online or from Indianapolis insurance agents.

Finding the cheapest car insurance coverage in Indianapolis is not that difficult. If you have a policy now, you will most likely be able to get lower rates using this strategy. Comparison shoppers just have to learn the fastest way to buy car insurance instantly.

Car insurance providers offering competitive rate quotes in Indiana

The companies in the list below have been selected to offer comparison quotes in Indianapolis, IN. If multiple providers are shown, we recommend you compare several of them to get the best price comparison.

Acura MDX Insurance Cost Estimates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $234 $358 $294 $18 $88 $992 $83
MDX with Tech Package 4WD $212 $366 $270 $16 $80 $944 $79
MDX with Tech/Entertainment 4WD $188 $334 $380 $22 $114 $1,038 $87
MDX Advance 4WD $212 $392 $364 $22 $110 $1,100 $92
MDX Advance/Entertainment 4WD $262 $504 $318 $18 $94 $1,196 $100
Get Your Own Custom Quote Go

Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in zip code location which can raise or lower coverage prices considerably.

Choosing deductibles

One of the most common car insurance questions is how low should you set your deductibles. The rates below determine the differences in price between low and high physical damage deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

Acura MDX insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $304 $436 $280 $16 $84 $1,145 $95
MDX with Tech Package 4WD $304 $514 $280 $16 $84 $1,223 $102
MDX with Tech/Entertainment 4WD $304 $514 $280 $16 $84 $1,223 $102
MDX Advance 4WD $304 $514 $280 $16 $84 $1,223 $102
MDX Advance/Entertainment 4WD $304 $514 $280 $16 $84 $1,223 $102
Get Your Own Custom Quote Go
Acura MDX insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MDX 4WD $222 $294 $280 $16 $84 $896 $75
MDX with Tech Package 4WD $222 $348 $280 $16 $84 $950 $79
MDX with Tech/Entertainment 4WD $222 $348 $280 $16 $84 $950 $79
MDX Advance 4WD $222 $348 $280 $16 $84 $950 $79
MDX Advance/Entertainment 4WD $222 $348 $280 $16 $84 $950 $79
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Prices do not factor in vehicle garaging location which can impact coverage rates significantly.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $23 more each month or $276 annually than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 17 months between claims, you would probably come out ahead if you choose the higher deductible.

Deductible analysis

The chart below demonstrates how deductible levels and can increase or decrease Acura MDX insurance costs for different age groups of insureds. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

How careless driving impacts car insurance rates

The information below shows how violations and at-fault collisions impact Acura MDX yearly insurance costs for each age group. The rate quotes are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

Save a ton by taking advantage of these eight discounts

Some insurance providers don't necessarily list all available discounts in an easy-to-find place, so here is a list a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy Indianapolis car insurance online. If you don't get every credit available, you're just leaving money on the table.

You should keep in mind that most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability and collision coverage. Just because you may think adding up those discounts means a free policy, companies don't profit that way.

Some of the larger companies that may offer many of the previously listed discounts include:

When quoting, ask each company or agent which discounts they offer. Some credits might not be offered in your state. To locate insurance companies that offer some of these discounts in Indiana, click here to view.

How much auto insurance do I need?

Always remember that when buying the right insurance coverage, there is no best way to insure your cars. Everyone's situation is a little different.

For instance, these questions can help discover whether your personal situation might need an agent's assistance.

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

When do I need to have guidance from an agent?

Some people still like to have an agent's advice and that can be a great decision Insurance agents can answer important questions and help file insurance claims. An additional benefit of comparing insurance prices online is you may find the lowest rates but still work with a licensed agent.

Insurance agents in IndianapolisTo find an agent, once you fill out this form (opens in new window), your insurance coverage information is emailed to insurance agents in Indianapolis who will return price quotes for your business. It simplifies rate comparisons since you won't have to drive around due to the fact that quote results will go instantly to you. If you want to quote rates from a particular provider, you would need to search and find their rate quote page and complete a quote there.

Picking a company needs to be determined by more than just the quoted price. Get answers to these questions too.

If you want to buy auto insurance from a good Indianapolis insurance agent, you should know the different types of agents and how they can service your needs differently. Auto insurance agents in Indianapolis are either independent agents or exclusive agents depending on their employer. Either type can write auto insurance policies, but it's worth mentioning how they are different since it can affect the kind of agent you use.

Exclusive Agents

Agents of this type can only quote rates from one company and some examples include Farmers Insurance or State Farm. They are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive insurance agents are usually quite knowledgeable on their company's products which can be an advantage. Consumers frequently purchase coverage from exclusives primarily because of the prominent brand name rather than having the cheapest rates.

Below is a list of exclusive agents in Indianapolis who may provide you with price quotes.

More insurance agents

Independent Auto Insurance Agents

Independent agencies are not restricted to one company so they have the ability to put coverage with multiple insurance companies and get the cheapest rates. If they quote lower rates, the business is moved internally and you stay with the same agent.

If you need cheaper auto insurance rates, you definitely need to include at a minimum one independent agency in order to compare the most rates. Many can place coverage with companies that do not advertise much which can save you money.

The following are independent agencies in Indianapolis willing to provide rate quotes.

More insurance agents

Will you really save $491 on insurance?

Consumers can't get away from all the ads that promise big savings for switching from the likes of GEICO, State Farm and Progressive. All the ads have a common claim about savings if you move your insurance coverage to their company.

That's great but how can every company offer drivers better rates? This is the trick they use.

All the different companies have underwriting criteria for the type of driver they prefer to insure. One example of a profitable insured should be married and over the age of 30, is a homeowner, and drives a safe vehicle. Any customer that fits those parameters receives the best rates in Indianapolis and will probably pay quite a bit less when switching companies.

Potential customers who may not quite match these stringent criteria will see a more expensive rate and this can result in the customer not buying. The trick is to say "customers that switch" but not "everyone who gets a quote" save that much money. That's the way companies can claim big savings. Because every company is different, you really need to get as many free Indianapolis car insurance quotes as possible. It is impossible to guess the company that will provide the lowest Acura MDX insurance in Indianapolis.

What auto insurance coverages do you need?

Having a good grasp of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as nursing services, ambulance fees, surgery, doctor visits and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverage

Collision insurance pays for damage to your MDX resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a building, hitting a mailbox, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible on your MDX to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Acura MDX.

Since a lot of drivers carry very low liability coverage limits (25/50/10), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability car insurance

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from legal claims by others. Liability doesn't cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/10 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $10,000.

Liability can pay for claims such as repair bills for other people's vehicles, court costs, loss of income, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford. Indiana state minimum liability requirements are 25/50/10 but it's recommended drivers buy more liability than the minimum.

Comprehensive auto insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, a broken windshield and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

One last thing to lower rates

When you buy Indianapolis car insurance online, it's very important that you do not buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. Your objective should be to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.

Cheap Acura MDX insurance in Indianapolis is attainable from both online companies in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not offer the ability to get a quote online and these smaller providers only sell through independent agencies.

Consumers who switch companies do it for a variety of reasons including being labeled a high risk driver, not issuing a premium refund, policy cancellation and denial of a claim. It doesn't matter why you want to switch finding a new company can be less work than you think.

More learning opportunities