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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Searching for cheaper insurance rates for your Acura MDX? No one in their right mind likes paying for insurance, especially knowing they could find lower prices if they just compared rates.

Drivers have multiple car insurance companies to buy insurance from, and although it’s a good thing to have a choice, more choices can make it harder to locate the cheapest rates.

Why you might pay lower rates

Multiple criteria are used when you get a price on insurance. Some factors are common sense such as your driving record, but some are more obscure such as your marital status or your vehicle rating.

  • Younger drivers pay higher premiums – Older insureds are viewed as being more responsible, cost insurance companies less in claims and get fewer tickets.Teenage drivers are statistically shown to get distracted easily behind the wheel and because of this, their auto insurance rates are much higher.
  • Remove unneeded extra policy coverages – Policies have extra bells and whistles that sound like a good idea at the time if you aren’t careful. Insurance for personal injury protection, towing, and extra life insurance coverage are some examples. These may sound like a good investment initially, but your money might be better spent on other coverage so eliminate them to save money.
  • Your spouse saves you money – Your spouse may save some money on your policy. Having a spouse demonstrates that you tend to be less irresponsible and insurance companies like that being married results in fewer claims.
  • Is your vehicle theft-ready? – Selecting a car model with an alarm system can help lower your rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent car theft.
  • Bump up coverage deductibles to lower rates – Protection for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Acura. Examples of covered claims would be running into the backend of another car, hitting a deer, and burglary. Comp and collision deductibles define how much you are required to spend in the event of a claim. The more of the claim you are required to pay out-of-pocket, the less money you will pay for auto insurance for MDX coverage.
  • Drivers with excellent credit save on auto insurance – A driver’s credit rating is a large factor in determining premium rates. If your credit score could use some work, you could potentially save money when insuring your 2004 Acura MDX by improving your credit score. Drivers with excellent credit tend to be more responsible and file fewer claims than drivers who have lower ratings.

The most recommended method to compare rates takes advantage of the fact most of the bigger providers participate in a system to compare their rates. To start a quote, the only thing you need to do is give them rating details like if your license is active, your occupation, how much education you have, and if you require a SR-22. Your rating data is instantly submitted to many highly-rated insurers and they return cost estimate immediately.

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

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Do you qualify for discounts?

Companies that sell car insurance don’t list every available discount in an easy-to-find place, so we researched some of the best known in addition to some of the lesser obvious discounts that you may qualify for.

  • Discounts for Cautious Drivers – Drivers who don’t get into accidents can save up to 40% or more on their auto insurance quote for MDX coverage than drivers with accident claims.
  • Mature Driver Discount – If you qualify as a senior citizen, you may receive lower premium rates for MDX coverage.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.
  • Own a Home and Save – Just owning your own home can help you save on car insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
  • No Accidents – Drivers who stay claim-free pay less compared to drivers with a long claim history.
  • Low Mileage – Low mileage vehicles could be rewarded with substantially lower rates.
  • Payment Discounts – By paying your entire bill at once instead of paying each month you can actually save on your bill.
  • More Vehicles More Savings – Insuring all your vehicles with one company could earn a price break for each car.
  • Discounts for New Vehicles – Buying a new car instead of a used car may earn a small discount due to better safety requirements for newer models.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business. But any discount will reduce the premium cost.

A partial list of companies who might offer many of the previously listed discounts are:

If you want affordable auto insurance quotes, ask all companies you are considering how many discounts you can get. Some credits may not apply to policies in every state. To see a list of insurers that offer multiple discounts, click here.

Don’t assume everyone needs the same insurance coverage

When buying coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions could help you determine whether or not you might need professional guidance.

  • What if I total my 2004 Acura MDX and owe more than it’s worth?
  • Should I put collision coverage on all my vehicles?
  • What is the minimum liability in my state?
  • What vehicles should carry emergency assistance coverage?
  • Does car insurance cover theft of personal property?
  • If my pet gets injured in an accident are they covered?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.

Learn about auto insurance coverages for an Acura MDX

Knowing the specifics of auto insurance aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most auto insurance policies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like prosthetic devices, EMT expenses, dental work, surgery and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

This coverage will pay to fix damage to your MDX from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, backing into a parked car, scraping a guard rail, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Auto liability

This provides protection from damages or injuries you inflict on a person or their property in an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things like medical expenses, loss of income, legal defense fees and emergency aid. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive protection

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, fire damage, vandalism and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

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

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You can do this!

In this article, we covered a lot of techniques to save on 2004 Acura MDX insurance. It’s most important to understand that the more times you quote, the better likelihood of getting affordable auto insurance. Drivers may discover the lowest premium rates come from the least-expected company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

Low-cost 2004 Acura MDX insurance can be sourced both online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who do not provide rate quotes online and many times these regional carriers only sell through independent insurance agents.

As you prepare to switch companies, never reduce needed coverages to save money. There are many occasions where an insured cut liability coverage limits and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at the best possible price while still protecting your assets.

Additional detailed information can be found in the articles below: