2013 Acura MDX Car Insurance Rates – 10 Tips to Save

Drivers have lots of choices when trying to find affordable Acura MDX insurance. They can either spend hours contacting agents getting price quotes or save time using the internet to find the lowest rates. There are both good and bad ways to shop for insurance coverage and you need to know the quickest way to price shop coverage for your Acura and locate the lowest price either online or from local insurance agents.

It’s a good idea to do price comparisons once or twice a year due to the fact that insurance prices fluctuate regularly. Just because you had the lowest rates for MDX insurance last year the chances are good that you can find a lower rate quote today. Block out anything you think you know about insurance coverage because we’re going to demonstrate the best way to find better coverage at a better price.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you should be able to reduce your rates substantially using this information. Vehicle owners just need to know the best way to get comparison quotes online.

Get affordable insurance coverage with discounts

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that many consumers don’t even know exist. Many discounts should be triggered at the time you complete a quote, but occassionally some discounts must be inquired about in order for you to get them.

  • Save over 55 – Seniors could receive reduced rates for MDX insurance.
  • Home Ownership Discount – Just being a homeowner can get you a discount because it shows financial diligence.
  • Military Deployment Discount – Being on active duty in the military could mean lower premium rates.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage could be rewarded with lower prices due to less chance of an accident.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • College Student – College-age children living away from home attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and will save you 10% or more.
  • Telematics Discount – Insureds that choose to allow driving data collection to track their driving habits remotely such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they have good driving habits.
  • Accident Forgiveness – This one isn’t a discount, but a few companies such as Progressive and Allstate allow you one accident without raising rates so long as you are claim-free for a set time period.
  • Claim Free – Claim-free drivers can save substantially when compared with drivers with a long claim history.

One thing to note about discounts is that most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as comp or med pay. So even though it sounds like you could get a free insurance coverage policy, you’re out of luck.

A few popular companies and a partial list of their discounts are detailed below.

  • 21st Century offers premium reductions for driver training, anti-lock brakes, early bird, 55 and older, theft prevention, teen driver, and defensive driver.
  • Progressive may include discounts for multi-vehicle, good student, homeowner, online quote discount, online signing, and continuous coverage.
  • State Farm offers discounts including anti-theft, multiple policy, good driver, accident-free, and safe vehicle.
  • Nationwide may offer discounts for business or organization, accident-free, good student, family plan, easy pay, Farm Bureau membership, and anti-theft.
  • Esurance offers discounts for emergency road assistance, multi-policy, good student, anti-lock brakes, defensive driver, and claim free.
  • The Hartford may have discounts that include air bag, anti-theft, vehicle fuel type, bundle, driver training, defensive driver, and good student.

When comparing rates, check with each insurance company to apply every possible discount. All car insurance discounts may not be offered in your area. To view insurance companies who offer insurance coverage discounts, click here to view.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions might help in determining whether you might need an agent’s assistance.

  • Am I getting all the discounts available?
  • What is the difference between comprehensive and collision coverage?
  • Where can I find DUI or SR-22 insurance?
  • Is my ex-spouse still covered by my policy?
  • Is motorclub coverage worth it?
  • Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Car insurance coverage specifics

Understanding the coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for collisions

Collision insurance pays for damage to your MDX resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a building, colliding with a tree, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for EMT expenses, ambulance fees, hospital visits, dental work and surgery. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability

This provides protection from damage or injury you incur to people or other property. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as court costs, loss of income, funeral expenses and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, damage from flooding, damage from getting keyed and hitting a bird. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Acura MDX.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Never pay more for less

People change insurance companies for any number of reasons including policy non-renewal, policy cancellation, delays in responding to claim requests and even high rates after DUI convictions. It doesn’t matter why you want to switch finding a new company is pretty easy and you might even save some money in the process.

In this article, we covered many ideas to reduce 2013 Acura MDX insurance prices online. It’s most important to understand that the more times you quote, the higher your chance of finding cheap car insurance. Consumers may even find the most savings is with some of the lesser-known companies.

As you shop your coverage around, never buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice comprehensive coverage or liability limits only to discover later that they should have had better coverage. The aim is to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.

Additional insurance coverage information is located below: