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: Nov 27, 2018

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Searching for better auto insurance rates for your Acura MDX? Purchasing lower-cost auto insurance can be impossible for price shopping online. With so many agents and online companies, how can drivers have time to compare the different rates to find cheaper auto insurance rates?

This information will introduce you to how car insurance quotes work. If you currently have car insurance, you will be able to reduce your rates substantially using this information. Although drivers need to have an understanding of how big insurance companies market insurance on the web and take advantage of how the system works.

Compare auto insurance rate quotes online

To get cheap insurance coverage quotes, there a variety of ways to compare rate quotes from many auto insurance companies in your state. The easiest way to find the lowest 2013 Acura MDX rates is simply to get online rate quotes. This can be done by using one of the methods below.

  • Hands down the most simple method to get quotes is a comparison rater form like this one (opens in new window). This method saves time by eliminating separate quote forms for each company. Just one form gets you price quotes from several companies. Recommended for those who want to invest the least amount of time.
  • A harder way to find more affordable insurance consists of visiting the website for every company you want to comare to complete their respective quote request forms. For examples sake, we’ll pretend you want to view quotes from Nationwide, Allstate and Progressive. To get each rate you have to go to every website to input your insurance information, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.

Take whichever approach you prefer, but be sure you’re using apples-to-apples deductibles and coverage limits on every price quote you get. If you are comparing different coverage information it will be very difficult to determine which rate is truly the best. Just a small difference in limits may cause a big price difference. And when comparison shopping, comparing more rates from different companies helps increase your odds of locating a lower rate than you’re paying now.

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

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Take advantage of every auto insurance discount

Companies do not list every discount very clearly, so we break down both well-publicized and the harder-to-find credits that you can use to lower your rates.

  • Discounts for New Vehicles – Adding a new car to your policy can get you a discount compared to insuring an older model.
  • E-sign Discounts – Certain companies will provide an incentive simply for signing over the internet.
  • Club Memberships – Being in a professional or civic organization could trigger savings on your bill.
  • Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
  • Service Members Pay Less – Having an actively deployed family member could trigger a small discount.
  • Early Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you could save 5% or more.
  • Defensive Driver Discounts – Participating in a defensive driving class can save you 5% or more and also improve your driving technique.
  • Telematics Discount – Insureds that choose to allow driving data collection to monitor driving patterns by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot might see lower rates as long as they are good drivers.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
  • Anti-theft Discount – Cars optioned with advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a insurance coverage quote.

It’s important to understand that most credits do not apply the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, you’re out of luck.

Companies and a selection of discounts can be read below.

  • GEICO has savings for anti-lock brakes, good student, defensive driver, air bags, military active duty, membership and employees, and emergency military deployment.
  • MetLife offers discounts for claim-free, defensive driver, good driver, good student, multi-policy, and accident-free.
  • Progressive may have discounts that include multi-vehicle, online signing, online quote discount, good student, multi-policy, and continuous coverage.
  • Travelers may offer discounts for early quote, home ownership, good student, multi-policy, and student away at school.
  • SAFECO may include discounts for teen safe driver, bundle discounts, anti-lock brakes, accident prevention training, multi-car, and safe driver.
  • AAA includes discounts for pay-in-full, good driver, multi-car, education and occupation, multi-policy, and AAA membership discount.

When quoting, ask each company which discounts they offer. Some discounts might not apply in every state. To see companies with discount auto insurance rates, click this link.

Why your insurance rates might be higher

It’s important that you understand some of the factors that go into determining the price you pay for car insurance. If you understand what determines premiums, this enables you to make decisions that can help you get cheaper rates. Multiple criteria are part of the equation when premium rates are determined. Some factors are common sense like a motor vehicle report, but other criteria are not quite as obvious such as your marital status and annual miles driven.

  • Mature drivers are lower risk – Beginning drivers have been known to be less responsible when behind the wheel and because of this, their car insurance rates are much higher. Having to add a beginning driver onto a policy can break the bank. Older, more experienced drivers are more responsible, cause fewer claims and accidents and are safer drivers.
  • High coverage deductibles save money – Physical damage deductibles define how much you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, also called ‘full coverage’, covers damage that occurs to your car. Some coverage claims are a windshield broken by a bird, vandalism, or theft of your vehicle. The more money you are required to pay out-of-pocket, the less money you will pay for car insurance on MDX coverage.
  • Save money with theft deterrents – Driving a car with anti-theft technology or alarm system can help bring down rates. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder auto theft and help lower rates.
  • Lower rates with a multi-policy discount – Most insurance companies afford better rates to people who have multiple policies with them in the form of a multi-policy discount. The discount can add up to anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s always a smart idea to check prices from other companies to ensure the best deal.
  • Only buy coverage you need – Insurance policies have a lot of optional add-on coverages that can add up if you aren’t careful. Coverage for things like vanishing deductibles, towing, and membership fees may be costing you every month. These coverages may sound good when deciding what coverages you need, but if you don’t need them remove them and pocket the money.
  • Stressful job may mean higher rates – Careers such as military generals, business owners and miners have the highest average rates because of intense work situations and incredibly demanding work hours. Conversely, jobs like farmers, historians and homemakers have lower than average premiums on MDX coverage.
  • Never let your car insurance policy lapse – Driving any period of time without insurance is not a good idea and as a result your rates will increase for letting your insurance coverage expire. In addition to paying higher premiums, not being able to provide proof of insurance can result in fines or a revoked license. You will then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department.

How to know if you need help

When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Who is covered when they drive my 2013 Acura MDX?
  • Are split liability limits better than a combined single limit?
  • What is medical payments coverage?
  • Why does it cost so much to insure a teen driver?
  • I have health insurance so do I need medical payments coverage?
  • When should I remove comp and collision on my 2013 Acura MDX?
  • How much liability insurance is required?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form.

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

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Car insurance coverages for an Acura MDX

Learning about specific coverages of a insurance policy can be of help when determining the best coverages for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Liability insurance – This coverage will cover injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which stand for 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. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as legal defense fees, funeral expenses, repair costs for stationary objects, attorney fees and emergency aid. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like prosthetic devices, dental work, surgery, hospital visits and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Collision – This coverage pays for damage to your MDX caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally these limits are set the same as your liablity limits.

Comprehensive coverage – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, hail damage and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Save for a rainy day

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, someone sacrificed liability limits or collision coverage only to discover later they didn’t have enough coverage. Your goal is to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.

In this article, we presented many tips how you can save on 2013 Acura MDX insurance. The key concept to understand is the more you quote insurance coverage, the better your comparison will be. Drivers may discover the best price on insurance is with a small mutual company.

More affordable insurance can be sourced online in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not provide online rate quotes and usually these small, regional companies sell through independent insurance agencies.

More tips and info about insurance is located at these sites: