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: Dec 2, 2017

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Want cheaper insurance coverage rates for your Acura MDX? I can’t think of a single person who looks forward to paying for insurance coverage, especially when they are aware that their premiums are too high.

Big-name insurance companies like State Farm, Progressive and GEICO all promote huge savings with TV and radio ads and it is difficult to see through the deception and effectively compare rates to find the best deal.

Smart consumers take time to get comparison quotes every six months since prices are usually higher with each renewal. Even if you got the best price for MDX insurance at your last renewal you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re going to learn how to quote online to find lower rates on insurance coverage.

If you are paying for car insurance now, you will be able to cut costs considerably using these methods. Buying car insurance is not that difficult. But vehicle owners do need to learn the methods companies use to determine prices and apply this information to your search.

Save money with discounts

Buying insurance coverage is not cheap, but there may be some discounts that you may not know about. Some trigger automatically at the time of quoting, but lesser-known reductions have to be inquired about before you will receive the discount.

  • Anti-lock Brakes – Cars that have anti-lock braking systems have fewer accidents and earn discounts up to 10%.
  • Onboard Data Collection – Drivers who elect to allow driving data submission to monitor driving manner remotely such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if their driving habits are good.
  • Discount for Good Grades – Being a good student can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Driver Education Discount – Have your child complete a driver education course if offered at their school.
  • Use Seat Belts – Drivers who require all vehicle occupants to fasten their seat belts can save 10% or more off the medical payments premium.

As a footnote on discounts, some of the credits will not apply the the whole policy. Most only cut the cost of specific coverages such as comp or med pay. Just because you may think you could get a free insurance coverage policy, you’re out of luck. But any discount will lower the cost of your policy.

Large insurance coverage companies and a partial list of their discounts are detailed below.

  • Farm Bureau offers discounts for good student, renewal discount, driver training, multi-vehicle, 55 and retired, and youthful driver.
  • MetLife offers discounts including defensive driver, good student, accident-free, claim-free, multi-policy, and good driver.
  • Progressive may have discounts that include online signing, online quote discount, multi-vehicle, good student, homeowner, continuous coverage, and multi-policy.
  • AAA may offer discounts for education and occupation, anti-theft, multi-policy, multi-car, good driver, and good student.
  • American Family discounts include bundled insurance, air bags, accident-free, defensive driver, TimeAway discount, and good student.
  • GEICO has savings for driver training, daytime running lights, air bags, emergency military deployment, anti-theft, military active duty, and multi-vehicle.
  • State Farm offers premium reductions for accident-free, good student, multiple policy, multiple autos, good driver, Steer Clear safe driver discount, and defensive driving training.

If you want affordable insurance quotes, ask each insurance company which discounts you qualify for. All car insurance discounts may not apply everywhere. To find companies that offer the discounts shown above, click here.

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

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What is the best auto insurance coverage?

When it comes to choosing coverage, there really is no “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions may help highlight if you may require specific advice.

  • Am I getting all the discounts available?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my teen driver covered when they drive my company car?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I rate my 2006 Acura MDX as pleasure use or commute?
  • Do I need an umbrella policy?
  • Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Insurance ads are enticing

Well-known insurance companies like State Farm, Allstate and GEICO endlessly run television, radio, and online ads. They all seem to have a common claim about saving some big amount just by switching to their company. Is it even possible that every company can save you money?

Companies are able to cherry pick for the type of driver that earns them a profit. An example of a profitable insured could be a female over age 40, insures multiple vehicles, and drives a car with an anti-theft system. Any person who fits those characteristics will get the preferred premium rates and have a good chance to cut their rates if they switch.

Drivers who don’t qualify for the requirements may be required to pay a higher premium which results in the customer buying from a different company. The wording the ads use say “customers who switch” but not “everyone who gets a quote” save that much. That is how companies can truthfully make those claims.

This really illustrates why drivers should do a price quote comparison at every renewal. You cannot predict the company that will give you the biggest savings.

Auto insurance coverages

Understanding the coverages of a auto insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average auto insurance policy.

Medical expense insurance – Med pay and PIP coverage kick in for short-term medical expenses like doctor visits, dental work, chiropractic care and nursing services. They are used in conjunction with a health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Acura MDX.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are set the same as your liablity limits.

Auto liability – This coverage can cover damages or injuries you inflict on people or other property. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as court costs, attorney fees, medical expenses and bail bonds. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Comprehensive (Other than Collision) – This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, fire damage and falling objects. The most 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.

Collision coverages – Collision coverage will pay to fix damage to your MDX resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a mailbox, damaging your car on a curb, crashing into a ditch, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

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

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A penny earned…

We just showed you a lot of information how to reduce 2006 Acura MDX insurance rates online. It’s most important to understand that the more you quote insurance, the higher your chance of finding affordable insurance. Consumers could even find that the most savings is with some of the smallest insurance companies. Some small companies may only write in your state and offer lower car insurance rates compared to the large companies like State Farm and Allstate.

When searching for cheap insurance quotes, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed liability coverage limits only to discover later that it was a big error on their part. The goal is to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.

For more information, take a look at the following helpful articles: