Looking for cheaper auto insurance rates for your Acura MDX? There isn’t anyone who looks forward to paying for auto insurance, especially when they are aware that they could find lower prices if they just compared rates. People have multiple insurers to pick from, and even though it’s nice to have multiple companies, so many choices can make it hard to get the best deal.
It’s a great practice to shop coverage around before your next renewal because auto insurance prices are usually higher with each renewal. Just because you had the best price for MDX insurance six months ago you may be paying too much now. Forget all the misinformation about auto insurance because I’m going to teach you the only way to save on auto insurance.
Performing a rate comparison can take hours if you don’t understand the easiest way. You could spend your day discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to get rates in a matter of minutes.
Many insurance companies are enrolled in a marketplace where prospective buyers enter their policy data once, and every company can provide price quotes based on that information. This saves time by eliminating repetitive form submissions for each company you want a rate for.
To get comparison pricing now click here (opens in new window).
The only downside to pricing coverage this way is that you can’t choose the providers you will receive quotes from. So if you prefer to choose specific insurance companies to compare rates, we have a listing of car insurance companies in your area. Click to view list.
Take whichever approach you prefer, but do your best to enter exactly the same coverage limits for each comparison quote. If each company quotes different liability limits you will not be able to make an equal comparison.
Some companies do not list every policy discount very well, so we took the time to find a few of the more well known and the more hidden credits available to bring down your rates.
You can save money using discounts, but some credits don’t apply the the whole policy. Most only cut individual premiums such as comprehensive or collision. Even though it appears all the discounts add up to a free policy, it just doesn’t work that way.
Auto insurance companies that have these benefits may include but are not limited to:
When getting a coverage quote, ask every insurance company to apply every possible discount. Some of the discounts discussed earlier might not apply in every state. To locate providers that offer some of these discounts, click this link.
When it comes to buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might point out if you would benefit from an agent’s advice.
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.
Having a good grasp of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types available from auto insurance companies.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Acura MDX.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.
Collision coverages – This coverage pays for damage to your MDX caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things like rolling your car, damaging your car on a curb, hitting a mailbox, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for hospital visits, dental work, surgery and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers things like hitting a bird, vandalism, hail damage and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Liability coverages – This can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against claims such as emergency aid, structural damage, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.