Cheaper 2014 Acura MDX Insurance Quotes

Want lower insurance coverage rates for your Acura MDX? Trying to find low-cost insurance for your Acura MDX can turn out to be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to shop for insurance coverage and you need to know the proper way to compare rates on a Acura and find the lowest price either online or from local insurance agents.

Affordable car insurance rate quotes

Getting a low cost price on 2014 Acura MDX insurance isn’t really that difficult. You just have to take a few minutes getting comparison quotes from some recommended companies. It is quite easy and can be accomplished in several different ways.

  1. The best way to find low rates is a comparison rater form like this one (opens in new window). This form eliminates the need for separate quote forms for each company. One form submission will return price quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  2. A slightly less efficient method to find better pricing is to manually visit each company’s website and repeat the quote process. For example, let’s say you want to see prices from State Farm, Liberty Mutual and American Family. You would have to visit each site to enter the same coverage data repeatedly, which is why first method is reommended.

    For a list of links to companies insuring cars in your area, click here.

  3. The hardest way of comparing rate quotes is to spend time driving to all the different insurance agencies. Quoting and buying insurance online reduces the need to sit down with an agent unless you’re the type of person who wants the peace of mind of a local agent. Some companies do allow you to compare online quotes and still use a local agent.

Whichever way you use, make sure you are using the exact same coverage data with each company. If you have higher or lower deductibles it will be impossible to determine the lowest rate for your Acura MDX.

Do I need special coverages?

When it comes to choosing adequate coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions may help highlight if your situation could use an agent’s help.

  • Is rental equipment covered for theft or damage?
  • Am I covered if I wreck a rental car?
  • What companies insure drivers after a DUI or DWI?
  • Is my nanny covered when driving my vehicle?
  • Do I need higher collision deductibles?
  • Why does it cost so much to insure a teen driver?
  • Am I covered when driving someone else’s vehicle?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Information about specific coverages

Understanding the coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, theft, hitting a bird, vandalism and fire damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Acura MDX.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision coverage protection

Collision coverage pays for damage to your MDX resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sustaining damage from a pot hole, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Auto liability

Liability coverage can cover injuries or damage you cause to a person or their property. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like repair costs for stationary objects, emergency aid and medical expenses. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like prosthetic devices, rehabilitation expenses and dental work. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay