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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Paying for expensive Acura MDX insurance can stress out your family’s budget and put the squeeze on your family’s finances. Getting a rate comparison is free and is an excellent way to ensure you are getting the best deal.

Numerous insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare car insurance companies and get the best coverage at the lowest cost out there.

What affects Acura MDX insurance rates?

Many different elements are used when you get your auto insurance bill. Some are obvious such as your driving record, but others are less apparent like your continuous coverage and annual miles driven.When buying insurance it’s important to understand the different types of things that help determine the price you pay for insurance. When you understand what determines base rates, this allows you to make good choices that could help you find cheaper rates.

The following are some of the most rate-impacting factors that factor into rates.

  • No insurance policy gaps is important – Driving with no insurance can get your license suspended and companies may charge more for letting your coverage have a gap. In addition to paying higher premiums, not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • File a claims and pay more – If you are the type of insured that files lots of claims you shouldn’t be surprised to get higher rates. Auto insurance companies give better rates to policyholders who are not frequent claim filers. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Women pay lower prices – Over the last 30 years, statistics show females are less aggressive when driving. Now that doesn’t mean women are better drivers. They both cause at-fault accidents in similar numbers, but the men cause more damage. Men also get ticketed for serious violations like DUI and reckless driving.
  • Prevent theft and lower prices – Choosing a vehicle that has an advanced theft prevention system can save you some money. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms all help stop your vehicle from being stolen.
  • Prices impacted by your city – Living in areas with lower population can save you money when buying insurance. Residents of big cities regularly have more aggressive driving styles and more severe claims. Less people living in that area translates into fewer accident claims in addition to fewer liability claims.

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

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Cut your car insurance rates with discounts

Car insurance is easily one of your largest bills, but you may find discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be asked for before they will apply.

  • Low Mileage Discounts – Driving fewer miles could qualify for substantially lower premium rates.
  • Telematics Devices – Insureds who allow their car insurance company to study their driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they have good driving habits.
  • Save over 55 – Seniors can possibly qualify for lower premium rates on MDX coverage.
  • Good Student Discount – Maintaining excellent grades may save you up to 25%. Most companies allow this discount up to age 25.
  • Discount for Life Insurance – Select car insurance companies reward you with a break if you buy a life policy as well.
  • New Car Discount – Putting insurance on a new car can be considerably cheaper since new vehicles have better safety ratings.
  • Bundle and Save – When you have multiple policies and place coverage with the same company you could get a discount of 10% to 20% off each policy.

Policy discounts save money, but most discounts do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, you’re out of luck.

Car insurance companies that may offer quotes with some of the above discounts may include but are not limited to:

Before you buy a policy, ask every company which discounts they offer. A few discounts might not be available to policyholders in your area. To locate insurers that offer discounts, click here to view.

Don’t be fooled by advertising claims

Consumers can’t escape the ads that claim the lowest prices by Allstate, GEICO and Progressive. All the companies advertise the message that drivers can save some big amount just by switching your coverage.

How can each company charge less that you’re paying now? It’s all in the words they use.

Insurance companies can use profiling for the type of insured that will not have excessive claims. For example, a driver they prefer should be between 30 and 50, has no driving citations, and drives a vehicle with a low ISO rating. Anyone who fits that profile will get a cheap rate quote and have a good chance to save some money.

Drivers who cannot meet this ideal profile will probably be forced to pay higher premiums which translates to business not being written. The trick companies use is to say “customers who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can confidently claim big savings.

This really emphasizes why you absolutely need to get price quotes at each policy renewal. It’s just too difficult to predict with any certainty which company will fit you best based on your risk profile.

You are unique and your car insurance should be too

When it comes to choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For instance, these questions can help discover whether your personal situation may require specific advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is there coverage for injuries to my pets?
  • Is pleasure use cheaper than using my 2017 Acura MDX to commute?
  • Does coverage extend to a rental car in a foreign country?
  • Is a blown tire covered by insurance?
  • Am I covered when driving a rental car?
  • Am I covered when using my vehicle for business?
  • Should I buy only the required minimum liability coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • At what point should I drop full coverage?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

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

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Insurance policy coverages for an Acura MDX

Having a good grasp of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on the average insurance policy.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like X-ray expenses, ambulance fees, nursing services, rehabilitation expenses and pain medications. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverages – Liability coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as funeral expenses, court costs, repair costs for stationary objects, pain and suffering and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Collision coverage – Collision insurance covers damage to your MDX from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, crashing into a building, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a deer, fire damage and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Acura MDX.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Don’t throw your cash in the trash

Discount 2017 Acura MDX insurance is possible both online and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who don’t offer online price quotes and these smaller companies provide coverage only through independent insurance agents.

In this article, we presented a lot of ways to save on 2017 Acura MDX insurance. It’s most important to understand that the more companies you get premium rates for, the higher your chance of finding cheaper auto insurance. You may even find the biggest savings come from the smaller companies. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

To read more, feel free to browse the resources below: