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: Feb 18, 2018

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Feel like you have an expensive car insurance policy? You’re preaching to the choir because there are lots of residents who feel the same.

Popular companies such as GEICO and Progressive constantly blast consumers with advertising and it can be hard to avoid their marketing magic and do the work needed to find the best deal.

If you have car insurance now, you will be able to save some money using this information. Buying car insurance is not rocket science. But vehicle owners should learn how big insurance companies compete online and apply this information to your search.

Get cheap car insurance rates with discounts

Some companies don’t list the entire discount list very clearly, so we researched both well-publicized as well as some of the hidden credits available to you.

  • Telematics Data – Drivers who agree to allow driving data collection to study vehicle usage by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease as long as the data is positive.
  • Accident Forgiveness Coverage – but some companies like Progressive, State Farm and GEICO permit an accident without the usual rate increase with the catch being you have to be claim-free prior to being involved in the accident.
  • Smart Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. This discount can apply up to age 25.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control can stop better under adverse conditions and earn discounts up to 10%.
  • Defensive Driver Discount – Taking a course that instructs on driving safety is a good idea and can lower rates and easily pay for the cost of the class.
  • Own a Home – Owning a home may earn you a small savings due to the fact that maintaining a home is proof of financial responsibility.
  • Discount for New Cars – Putting coverage on a new car can be considerably cheaper since new vehicles are generally safer.
  • Claim-Free Discount – Insureds with no claims or accidents can earn big discounts compared to bad drivers.

You should keep in mind that most discount credits are not given the the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts will definitely lower your premiums.

Companies that have most of these discounts may include but are not limited to:

Double check with all the companies which discounts they offer. Some of the discounts discussed earlier may not be offered in your area.

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

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Shop auto insurance online

Most of the larger companies such as State Farm and Allstate make it easy to get prices for coverage direct online. Getting online quotes can be done by anyone as you just type in the amount of coverage you want as requested by the quote form. When the form is submitted, the quote system obtains reports for credit and driving violations and generates pricing information based on these and other factors. This makes it a lot easier to compare rates but the time required to go to many different websites and type in the same information is not the best way to spend an afternoon. But it’s necessary to get many rate quotes in order to find a lower rate.

The smarter way to lower your rates is to use a quote form that gets price quotes from more than one company. The form is fast, eliminates repetitive work, and makes quoting online a little more enjoyable. Immediately after submitting the form, it is rated and you are able to buy any of the quote results. If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. It can be completed in a matter of minutes and can result in significant savings.

To quickly compare rates using this form now, click here and complete the simple form. If you currently have coverage, we recommend you enter the insurance coverages as shown on your current policy. Using the same limits helps guarantee you are getting a price comparison based on the exact same insurance coverage.

The Acura MDX insurance rate equation

Lots of factors are part of the equation when you get a price on insurance. Some factors are common sense such as your driving record, although others are not quite as obvious such as your credit history or how safe your car is.The best way to find cheaper insurance is to take a look at a few of the rating criteria that help determine your insurance rates. If you understand what influences your rates, this helps enable you to make changes that will entitle you to lower premium levels.

  • Teenage driver insurance rates – Teenage drivers are proven to be inattentive and easily distracted when driving so insurance rates are higher. Mature drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets.
  • Higher physical damage deductibles are cheaper – Physical damage deductibles tell how much the insured will be required to pay if a claim is determined to be covered. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply are collision with another vehicle, fire damage, and damage caused by road hazards. The more of the claim the insured is willing to pay, the better rate you will receive on MDX insurance.
  • Where do you drive? – The more you drive annually the higher the price you pay to insure it. A lot of companies calculate rates based on how the vehicle is used. Autos that are left in the garage can be on a lower rate level than vehicles that are driven to work every day. Ask your agent if your insurance declarations sheet is showing annual mileage. Incorrect rating for your MDX may be costing you higher rates.
  • Policy add-ons can waste money – Insurance policies have a lot of additional coverages that sound like a good idea at the time if you don’t pay attention. Coverages like coverage for rental cars, better glass coverage, and membership fees are examples of these. The coverages may be enticing when talking to your agent, but if you’ve never needed them in the past remove them and pocket the money.
  • Liability protection safeguards assets – A critical coverage on your policy, liability insurance provides coverage if a court rules you are at fault for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability is cheap compared to other policy coverages, so buy as much as you can afford.
  • When should you file a claims? – Companies provide better rates to insureds who do not rely on their insurance for small claims. If you file a lot of claims you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • What’s your car’s safety rating? – Safer cars cost less to insure. Vehicles engineered for safety result in less severe injuries and reduced instances of injuries means lower claim amounts which can mean better rates for you. If your Acura MDX has at least four stars on or an “acceptable” rating on you are probably receiving a discount.

Tailor your insurance coverage to you

When buying adequate coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that For example, these questions might point out whether your personal situation will benefit from professional help.

  • Do I need higher collision deductibles?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does insurance cover tools stolen from my truck?
  • Do I need more liability coverage?
  • When does my teenage driver need to be added to my policy?
  • Should I buy additional glass protection?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

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

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Insurance coverage options for a 2014 Acura MDX

Understanding the coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages offered by insurance companies.

Liability – This protects you from injuries or damage you cause to other people or property. This insurance protects YOU against claims from 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 limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things like emergency aid, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Comprehensive (Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a broken windshield, falling objects, fire damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount a 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.

Collision coverage – This coverage will pay to fix damage to your MDX from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a parking meter, driving through your garage door, hitting a mailbox, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for bills for prosthetic devices, funeral costs, X-ray expenses and surgery. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – This protects you and your vehicle 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 Acura MDX.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Save your cold hard cash

Low-cost 2014 Acura MDX insurance can be found both online and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide internet price quotes and usually these small insurance companies prefer to sell through independent agencies.

As you prepare to switch companies, make sure you don’t buy less coverage just to save a little money. There have been many situations where someone dropped collision coverage only to regret that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

You just learned some good ideas how you can reduce 2014 Acura MDX insurance premium rates online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from the least-expected company. They may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

Even more information can be found by following these links: