Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Trying to find lower insurance rates for your Acura MDX? Did you come to the realization that you have an overpriced insurance policy? Trust us when we tell you many drivers have buyer’s remorse.

Online insurance companies like State Farm, Farmers Insurance, GEICO and Allstate continually bombard you with catchy ads and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

It is always a good idea to do price comparisons before your next renewal because insurance prices are constantly changing. Despite the fact that you may have had the best price for MDX coverage six months ago you will most likely find a better rate today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the right way to save money, get proper deductibles and limits, all at the lowest rate.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using this strategy. Choosing the best insurance company for you is quite easy. But vehicle owners do need to know how insurance companies market insurance on the web and use this information to your advantage.

How to shop insurance coverage online

To get the cheapest insurance coverage quotes, there a variety of ways to get quotes from all the different companies. The recommended way to find the lowest Acura MDX rates is to get quotes online. This is very easy and can be done by using one of the methods below.

  • The fastest and easiest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This style of form saves time by eliminating repetitive form submissions for each price estimate. In just a few minutes this one form compares rates from insurance coverage companies with the best prices.
  • A less efficient way to find more affordable insurance is to take the time to go to the website of each company and request a quote. For example, let’s assume you want to see prices from Farmers, State Farm and Travelers. You would have to go to every website and punch in your information repeatedly, which is why the first method is quicker. For a list of companies in your area, click here.

Whichever way you choose to compare rates, try to use the exact same deductibles and coverage limits for each price quote. If you have different deductibles it will be very difficult to determine which company has the best rates. Slightly different limits could skew the results. It’s important to know that comparing a wide range of rates will increase your chances of finding the best rates. Some regional insurers cannot provide prices over the internet, so it’s necessary to compare price estimates from the smaller companies as well.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Auto insurance savings promises

Popular auto insurance providers such as Progressive, Allstate and GEICO continually stream television, radio, and online ads. They all convey the message that you can save if you switch your policy. How is it possible that every company can charge less that you’re paying now? Just pay attention to how they say it.

Insurance providers provide the lowest rates for the type of driver that will generate a profit. For example, a desirable risk may need to be over the age of 45, is a homeowner, and drives a lower-performance vehicle. A customer getting a price quote that fits those parameters will qualify for the lowest prices and as a result will probably save when they switch companies.

Potential insureds who do not meet these criteria will be charged higher premium rates with the end result being the customer buying from someone else. The ads say “customers who switch” not “everyone who quotes” save that much when switching. That is how companies can truthfully make it sound like they have such great prices.

This really illustrates why it is so important to quote coverage with many companies. It is impossible to predict which company will fit you best based on your risk profile.

Verify you’re getting every discount

Companies don’t always list the complete list of policy discounts very clearly, so the next list breaks down some of the best known and the harder-to-find discounts that you may qualify for.

  • Onboard Data Collection – People who choose to allow driving data collection to spy on vehicle usage through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they are good drivers.
  • E-sign – A handful of companies give back up to $50 for completing your application on their website.
  • Pay Early and Save – By paying your policy upfront instead of monthly or quarterly installments you may have a lower total premium amount.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Discount for Good Grades – Maintaining excellent grades could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen with less frequency and will qualify for a discount on a insurance coverage quote.
  • First Accident Forgiveness – This isn’t a discount exactly, but some insurance companies will let one accident slide before raising your premiums so long as you are claim-free prior to the accident.
  • Discounts for New Vehicles – Buying insurance coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Senior Discount – If you’re over the age of 55, you may be able to get reduced rates for MDX coverage.

As is typical with insurance, many deductions do not apply to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, it’s just not the way it works.

To see a list of providers with discount insurance rates, click here.

When should I discuss my situation with an agent?

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out if your insurance needs will benefit from professional help.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I have coverage if my license is suspended?
  • Why is insurance for a teen driver so high?
  • Can my babysitter drive my car?
  • I have a DUI can I still get coverage?
  • Do I pay less for low miles?
  • Should I have a commercial auto policy?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Specific coverages for an Acura MDX

Having a good grasp of a auto insurance policy helps when choosing the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages available from auto insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, rock chips in glass and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a building, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Acura MDX.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability car insurance

This can cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as legal defense fees, pain and suffering and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses such as doctor visits, funeral costs, rehabilitation expenses, surgery and prosthetic devices. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Power to the consumer

When buying insurance coverage, never buy less coverage just to save a little money. There are many occasions where an accident victim reduced full coverage to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.

Some companies may not have online rate quotes and most of the time these regional insurance providers work with local independent agents. Budget-conscious 2002 Acura MDX insurance is attainable both online and from local insurance agents, so compare prices from both in order to have the best price selection to choose from.

Additional information can be read at the links below