2018 Acura MDX Car Insurance Quotes in 2024 – 7 Ways to Save

Having to pay for overpriced insurance coverage can dwindle your funds and require stricter spending habits.

Online insurance companies like GEICO, Progressive and Allstate constantly blast consumers with TV and radio ads and it is difficult to see through the deception and do the work needed to find the best deal.

Smart consumers take time to do rate comparisons every six months because insurance prices are adjusted regularly by insurance companies. Even if you think you had the lowest price on MDX insurance last year you can probably find a lower rate today. Block out anything you think you know about insurance coverage because we’re going to demonstrate the fastest way to reduce your cost while improving coverage.

The cheapest insurance coverage

Effectively comparing insurance coverage prices is a ton of work if you don’t know the easiest way. You can waste a lot of time driving to insurance agencies in your area, or you can utilize online quoting to get rates in a matter of minutes.

The majority of car insurance companies belong to a marketplace where prospective buyers enter their coverage request one time, and at least one company can provide price quotes based on the submitted data. This eliminates the need for quotation requests for every insurance coverage company. To find out how much you can save on insurance coverage enter your zip code here.

The only drawback to pricing coverage this way is that you can’t choose which insurance companies to get pricing from. So if you want to choose from a list of companies for rate comparison, we have assembled a list of low cost insurance coverage companies in your area. Click to enter zip code for insurance companies.

Compare rates however you want, just try to use exactly the same quote data for each quote you get. If you are comparing mixed coverages it will be next to impossible to determine which company has the best rates. Just slight variations in coverage limits could throw off the whole comparison. And when price shopping your coverage, getting more free quotes will enable you to find lower pricing. Some companies don’t provide rate quotes online, so you need to compare price estimates from the smaller companies as well.

Take advantage of these seven money-saving discounts

Car insurance companies don’t necessarily list every available discount very clearly, so the following list contains a few of the more common and also the more inconspicuous discounts that you may qualify for.

• Discounts for Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less on MDX insurance than their less cautious counterparts.
• Homeowners Savings – Owning a house can earn you a little savings because it shows financial diligence.
• Discount for Good Grades – Maintaining excellent grades can earn a discount of 20% or more. The good student discount can last well after school through age 25.
• Military Rewards – Being on active duty in the military can result in better rates.
• Auto/Life Discount – Insurance coverage companies who offer life insurance give a discounted insurance coverage rate on car insurance if you buy life insurance from them.
• Accident Forgiveness – Not really a discount, but companies like Progressive, State Farm and GEICO will let one accident slide without raising rates so long as you haven’t had any claims for a certain period of time.
• Claim-Free Discount – Insureds who avoid accidents and claims can save substantially when compared to frequent claim filers.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way. Any amount of discount will definitely reduce the amount you pay for coverage.

Popular insurance coverage companies and a partial list of their discounts include:

• Progressive may offer discounts for multi-policy, multi-vehicle, online signing, online quote discount, continuous coverage, and homeowner.
• MetLife includes discounts for accident-free, claim-free, defensive driver, good driver, and multi-policy.
• Mercury Insurance may have discounts that include age of vehicle, type of vehicle, good driver, annual mileage, and professional/association.
• Nationwide offers discounts for accident-free, business or organization, good student, defensive driving, and easy pay.
• GEICO may include discounts for federal employee, anti-theft, multi-policy, emergency military deployment, membership and employees, and good student.
• AAA discounts include good student, anti-theft, AAA membership discount, multi-policy, pay-in-full, multi-car, and education and occupation.

If you want cheap insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some discounts may not be available in your area.

Do I need special coverages?

When buying proper insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether your personal situation would benefit from professional advice.

• Does liability extend to a camper or trailer?
• Do I need PIP coverage since I have good health insurance?
• Should I buy only the required minimum liability coverage?
• When should I remove comp and collision on my 2018 Acura MDX?
• How can I get high-risk coverage after a DUI?
• Does my policy cover my teen driver if they drive my company car?
• Is borrowed equipment or tools covered if stolen or damaged?
• Should I sign the liability waiver when renting a car?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out your zip code.

Car insurance coverage specifics

Knowing the specifics of a car insurance policy can help you determine which coverages you need for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring. Shown next are the normal coverages found on most car insurance policies.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability – This can cover damage or injury you incur to a person or their property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability coverage pays for claims like loss of income, court costs, legal defense fees and attorney fees. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Acura MDX.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage – Collision insurance pays for damage to your MDX resulting from colliding 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 crashing into a building, driving through your garage door, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like hospital visits, EMT expenses and doctor visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

More quotes. Lower rates.

Throughout this article, we presented many tips how you can lower your 2018 Acura MDX insurance prices. The most important thing to understand is the more times you quote, the higher your chance of finding cheap insurance. Drivers may discover the lowest prices are with an unexpected company. Some small companies may only write in your state and offer lower rates compared to the large companies like State Farm, GEICO and Nationwide.

When searching for cheaper insurance quotes, make sure you don’t reduce needed coverages to save money. In too many instances, an insured cut collision coverage only to regret at claim time that the small savings ended up costing them much more. Your objective should be to buy enough coverage at an affordable rate, but do not skimp to save money.