How long have you put off shopping around for cheaper Acura MDX insurance in Columbia? If you are new to getting Columbia auto insurance quotes online, most likely you are baffled thanks to the incredible selection local agents and online companies offering coverage in Columbia.
Amazingly, the vast majority of consumers have remained with the same auto insurance company for at least the last four years, and nearly the majority have never compared rate quotes at all. Consumers in Columbia can save nearly 55% each year by just comparing quotes, but they just don't understand the actual amount they would save if they moved their coverage to a different company.
It's smart to get comparison quotes occasionally since prices are rarely the same from one policy term to another. Even if you think you had the best price on Acura MDX insurance in Columbia at your last renewal a different company probably has better rate quotes today. Don't believe everything you read about MDX insurance on the web, but in just a couple of minutes you can learn some great ideas on how to save money.
Best companies for competitive Acura MDX insurance in South Carolina
The companies in the list below are ready to provide comparison quotes in Columbia, SC. If more than one company is shown, it's a good idea that you visit two to three different companies to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|MDX with Tech Package 4WD||$176||$322||$386||$22||$116||$1,022||$85|
|MDX with Tech/Entertainment 4WD||$318||$612||$386||$22||$116||$1,454||$121|
|MDX Advance 4WD||$198||$322||$348||$20||$104||$992||$83|
|MDX Advance/Entertainment 4WD||$318||$612||$358||$22||$108||$1,418||$118|
|Get Your Own Custom Quote Go|
Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Information does not factor in specific location which can change premiums substantially.
How accidents and violations affect rates
The example below shows how traffic citations and at-fault collisions raise Acura MDX auto insurance costs for each age group. The costs are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.
Policy deductible comparison
The example below demonstrates how deductibles and can impact Acura MDX insurance premiums for different ages of insureds. The data is based on a married male driver, full coverage, and no other discounts are factored in.
Earn discounts on Columbia insurance
Insurance is not inexpensive, but there could be significant discounts that you may not even be aware of. Certain credits will be shown at the time of quoting, but a few must be requested specifically before you will receive the discount. If you don't get every credit available, you are just wasting money.
- Columbia Homeowners Discount - Just owning your own home can earn you a little savings because owning a home is proof of financial responsibility.
- Switch and Save Discount - Some larger companies provide a discount for switching policies prior to your current MDX insurance policy expiration. The savings is around 10%.
- No Charge for an Accident - This one isn't a discount, but companies like Progressive, State Farm and GEICO permit an accident before they charge you more for coverage if you are claim-free prior to being involved in the accident.
- Pay Upfront and Save - If you pay your bill all at once instead of paying each month you could save 5% or more.
- Service Members Pay Less - Being deployed in the military could mean lower premium rates.
Please keep in mind that most discounts do not apply to the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think you would end up receiving a 100% discount, it just doesn't work that way.
Some of the insurance companies that may offer policyholders some of the discounts shown above possibly include:
It's a good idea to ask each insurance company which credits you are entitled to. A few discounts may not apply to policies everywhere. To locate insurers who offer online Acura MDX insurance quotes in South Carolina, click here.
Auto insurance agents near you
Many drivers still like to sit down and talk to an agent and there is nothing wrong with that. The best thing about comparing auto insurance online is that you can obtain cheap auto insurance quotes and still have an agent to talk to.
To help locate an agent, after submitting this short form, the coverage information is transmitted to local insurance agents in Columbia that provide free Columbia auto insurance quotes for your coverage. You won't need to leave your house since rate quotes are delivered instantly to you. You can most likely find cheaper rates without having to waste a lot of time. If for some reason you want to get a rate quote for a specific company, you just need to find their quoting web page and fill out their quote form.
Picking an insurance company needs to be determined by more than just the quoted price. Agents should be asked these questions:
- Is the quote a firm price?
- Do they have designations such as AIC, CPCU, or CIC?
- Does the company have a solid financial rating?
- Does the company use OEM repair parts?
- How experienced are they in personal risk management?
- Will you work with the agent or an assistant?
- Do they have 24-hour customer assistance?
If you would like to find a reliable insurance agency, it helps to know the two types of agencies and how they function. Auto insurance agents in Columbia are classified as either exclusive or independent.
Agents in the exclusive channel normally can only provide a single company's rates and examples are Farmers Insurance, State Farm, or Allstate. These agents are not able to place coverage with different providers so you need to shop around if the rates are high. Exclusive agents are highly trained on their products and sales techniques which can be an advantage. Consumers often use the same exclusive agent partially due to high brand loyalty rather than low price.
Shown below are Columbia exclusive insurance agencies who can help you get comparison quotes.
- Wayne Thierrien - State Farm Insurance Agent
9016 Farrow Rd Ste A - Columbia, SC 29203 - (803) 736-5999 - View Map
- Amy Masincupp - State Farm Insurance Agent
612 St Andrews Rd #4 - Columbia, SC 29210 - (803) 772-5554 - View Map
- Jimmy Gilbert Jr - State Farm Insurance Agent
1303 Assembly St Ste A - Columbia, SC 29201 - (803) 799-3077 - View Map
Independent Auto Insurance Agencies
Independent agents do not write with just one company and that gives them the ability to insure through lots of different companies and find you cheaper rates. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency. When shopping rates, it's a good idea to include several independent agencies in order to compare the most rates. Most independent agents also contract with different regional companies that can offer cheaper rates than bigger companies.
The following are independent insurance agencies in Columbia that are able to give rate quotes.
- David M Gilston Insurance Agency
455 St Andrews Rd # A2 - Columbia, SC 29210 - (803) 772-3122 - View Map
- Giles Insurance Agency
2442 Devine St - Columbia, SC 29205 - (803) 728-3318 - View Map
- Nationwide Insurance - Clark Farley Ins Agency Inc
8313 Two Notch Rd - Columbia, SC 29223 - (803) 788-4211 - View Map
If you get positive feedback for all questions you ask as well as an affordable premium quote, it's a good possibility that you have found an insurance agency that can adequately provide auto insurance.
Truth in insurance advertising
Well-known insurance companies like 21st Century, Allstate and State Farm seem to constantly run ads on TV and radio. All the companies tend to make the same promise that you can save if you get a free Columbia auto insurance quote and switch your insurance policy to them. It sounds good, but how can they all have lower policy pricing? Here is how they do it.
Insurance providers give the best rates for the type of driver that will be a good risk. For example, a driver they prefer may need to be a mature driver, carries full coverage, and drives newer vehicles. A customer who matches those parameters will qualify for the lowest premium rates in Columbia and as a result will probably cut their Acura MDX insurance rates if they switch.
Insureds who fall short of these criteria may be required to pay a higher rate with the end result being the prospect going elsewhere. The trick is to say "drivers that switch" but not "all drivers who get quotes" save that much. That's why insurance companies can advertise the savings. Because of this risk profiling, you really need to get a wide range of price quotes. It's not possible to predict which insurance company will fit you best based on your risk profile.
Quote often and quote early
We just showed you a lot of techniques to shop for Acura MDX insurance online. It's most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a small mutual company.
There are still a few companies who don't offer the ability to get quotes online and these regional carriers only sell through independent agents. Cheaper auto insurance in Columbia can be purchased both online and from local insurance agents, and you should compare rates from both to have the best selection.
When getting Columbia auto insurance quotes online, you should never skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage at the best price while still protecting your assets.
More information can be found on the following sites:
- Auto Insurance Basics (Insurance Information Institute)
- What is the Best Car Insurance in Simpsonville, SC? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Active Military in South Carolina? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Honda Accord in South Carolina? (FAQ)
- Who Has the Cheapest Car Insurance for Unemployed Drivers in South Carolina? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)