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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Price shopping your Driverscar insurance might be difficult for people who are beginners to comparing prices online. People have so many options that it can turn into a ton of work to find more affordable car insurance rates.

You should make it a habit to take a look at other company’s rates occasionally due to the fact that insurance prices change quite often. Just because you found the best price for MDX coverage at your last renewal the chances are good that you can find a lower rate quote today. Block out anything you think you know about car insurance because you’re going to get a crash course in the best way to remove unneeded coverages and save money.

Which insurance coverage is cheapest?

To find cheap prices, there are a couple of ways of comparing rate quotes from companies that offer insurance coverage in your state. By far the easiest way to compare 2003 Acura MDX insurance prices consists of shopping online. This is very easy and can be done using a couple different methods.

One of the simplest ways to get quotes is to use a rate comparison form click here to open form in new window. This form keeps you from doing a different quote for each price estimate. Completing one form gets insurance cost estimates instantly. Recommended for those who want to invest the least amount of time.

Another way to compare prices is to take the time to go to the website for every company you want to comare and fill out their own quote form. For sake of this example, we’ll assume you want to see prices from Nationwide, Esurance and Travelers. To do that, you would have to go to every website to enter your coverage information, which can take a lot of time.

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

Even if you have time, the least recommended method to comparison shop rate quotes is actually driving to and from local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you prefer the advice and guidance only provided by licensed agents. If you prefer, some companies allow you to comparison shop your insurance online and get advice from an agent in your area.

Whichever way you choose to compare rates, be certain you are entering the same coverage limits and deductibles for every quote you compare. If each company quotes different liability limits you will not be able to make a fair comparison for your Acura MDX. Just a small difference in insurance coverages or limits may result in a large different in cost. It’s important to know that getting more free quotes provides better odds of finding more affordable insurance. Not every company provides quotes online, so you also need to get prices from them, too.

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

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Get cheap insurance coverage quotes with discounts

Insurance coverage is not an enjoyable expense, but you might find some hidden discounts that many consumers don’t even know exist. A few discounts will be applied at the time you complete a quote, but lesser-known reductions have to be requested specifically prior to getting the savings.

  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates for MDX coverage than less cautious drivers.
  • Waiver for an Accident – Not a discount per se, but companies like GEICO, State Farm, and Progressive may permit one accident without raising rates if you are claim-free before the accident.
  • Renewal Discounts – Some companies provide a discount for signing up prior to your current policy expiring. You can save around 10% with this discount.
  • Clubs and Organizations – Being a member of qualifying employment or professional organizations may earn a discount on your bill.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. This discount can apply until age 25.
  • Auto/Home Discount – If you can bundle your auto and homeowners insurance and insure them with the same company you could earn a discount of nearly 15% which can help you find the cheapest auto insurance.
  • Drivers Education – Have your child enroll in driver’s education as it will make them better drivers and lower rates.
  • Distant Student – Youth drivers who live away from home at college and don’t have a car may qualify for this discount.

Don’t be surprised that most of the big mark downs will not be given the the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you could get a free insurance coverage policy, you won’t be that lucky. But any discount will definitely lower your premiums.

Some companies that have these money-saving discounts are:

When comparing rates, check with each insurance company which discounts you qualify for. Some of the earlier mentioned discounts might not be offered everywhere. To view companies that offer multiple discounts, click this link.

Tailor your insurance coverage to you

When choosing proper insurance coverage, there is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether or not you would benefit from professional advice.

  • What is the minimum liability in my state?
  • When can I cancel my policy?
  • Do I need an umbrella policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I insured when driving a different vehicle?
  • When should I not file a claim?
  • What is no-fault insurance?
  • When does my teenage driver need to be added to my policy?
  • Am I covered when delivering products for my home-based business?
  • Should I have a commercial auto policy?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

Insurance specifics

Having a good grasp of a insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage protection

Collision insurance will pay to fix damage to your MDX caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Liability coverages

Liability coverage protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against things like bail bonds, repair bills for other people’s vehicles, loss of income and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive protection

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like fire damage, a broken windshield, theft, damage from flooding and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your 2003 Acura MDX.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses like doctor visits, rehabilitation expenses and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

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

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Affordable insurance is out there

Drivers who switch companies do it for any number of reasons including poor customer service, delays in responding to claim requests, an unsatisfactory settlement offer and even questionable increases in premium. No matter why you want to switch, switching companies is easier than you think.

In this article, we covered quite a bit of information on how to save on 2003 Acura MDX insurance. The key concept to understand is the more you quote auto insurance, the better chance you’ll have of finding the cheapest auto insurance. Consumers may even find the best price on insurance is with a small local company.

Lower-priced 2003 Acura MDX insurance is available on the web in addition to many insurance agents, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who don’t offer online quoting and most of the time these small, regional companies only sell through independent insurance agencies.

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