Save on 2019 Acura MDX Insurance Quotes in 2024

If you are new to getting insurance quotes online, chances are good that you are overwhelmed due to the large selection of insurance providers that all promise the best rates.

Informed decisions result in lower insurance rates

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that help determine your car insurance rates. When you know what positively or negatively determines base rates, this enables you to make decisions that will entitle you to lower premium levels. Many different elements are considered when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, although others are less apparent like where you live and annual miles driven.

• Physical damage deductibles – The deductibles are how much the insured will be required to pay if a claim is determined to be covered. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some coverage claims are colliding with a stationary object, collision with a deer, and damage caused by road hazards. The more you have to pay, the less your company will charge you for insurance on MDX coverage.
• Males pay higher premiums – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both genders tend to get into fender benders in similar numbers, but the males have accidents that have higher claims. Men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 generally have the highest accident percentage and thus pay the highest rates.
• You might want pay the minor policy claims yourself – Companies provide most affordable rates to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the large, substantial claims.
• Prevent car insurance policy lapses – Driving with no insurance can get your license suspended and you will pay a penalty because you let your insurance expire. Not only will you pay more, failure to provide proof of insurance can result in a steep fine or even jail time.
• Youthful drivers cost more – Older insureds are more responsible, cost insurance companies less in claims , and usually have better credit. Beginning drivers have a tendency to be less responsible with other occupants in the car so they pay higher car insurance rates.
• Traffic violations can be expensive – Good drivers receive lower rates as compared to careless drivers. Even a single speeding ticket or other violation can increase rates by as much as twenty percent. Drivers who have careless citations like DWI, reckless driving or hit and run convictions may face state-mandated requirements to maintain a SR-22 with their state’s licensing department in order to prevent a license revocation.
• Rental and towing coverage may not be needed – There are quite a few additional coverages that you can get tricked into buying on your car insurance policy. Things like vanishing deductibles, towing, and Farm Bureau memberships are examples of these. These may sound like a good investment when buying your policy, but now you might not need them so eliminate the coverages to reduce your premium.
• Safety ratings are a factor – Cars with five star safety ratings get lower rates. Safer cars help reduce the chance of injuries in an accident and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your Acura MDX scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.

How to compare free insurance coverage rate quotes

To find the best insurance coverage quotes, there are several ways of comparing rate quotes from many available insurance coverage companies in your state. The fastest way to comparison shop involves getting comparison quotes online. This can be accomplished in a couple of different ways.

The easiest and least time consuming way to get the best comparison quotes would be an industry-wide quote request form. This style of form eliminates the need for separate quotes for each company you want a rate for. One quote request gets rate comparisons from many national carriers. It’s the quickest way to get rates.

A different way to compare prices is to take the time to go to the website for each individual company to request a price quote. For sake of this example, let’s assume you need rates from Allstate, Liberty Mutual and Travelers. To get each rate you have to spend time on each company’s site to enter the same coverage data repeatedly, which can get old fast.

You can use whichever method you prefer to find lower rates, just make sure you are using apples-to-apples deductibles and coverage limits for each comparison quote. If you are comparing higher or lower deductibles you can’t possibly make a fair comparison for your Acura MDX. Just a small difference in limits could mean much higher rates. Just remember that getting more free quotes helps increase your odds of locating a lower rate. Not every company provides rate quotes online, so it’s important to compare prices from the smaller companies as well.

Car insurance savings promises

Well-known car insurance companies like State Farm, Allstate and GEICO consistently run ads on television and other media. All the companies have a common claim that you can save if you change your policy. How is it plausible that every one can sell you cheaper insurance coverage? It’s all in the wording.

Different companies have a certain “appetite” for the type of driver that earns them the highest profit. For instance, this type of risk profile may be over age 30, has no tickets, and drives newer vehicles. Anyone who matches that profile will qualify for the lowest auto insurance rates and will probably save money with a new company.

Potential insureds who do not match these criteria will have to pay a higher rate which translates to the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everybody who quotes” save that much when switching. That is how insurance companies can confidently claim big savings.

Because every company is different, you really should compare as many free insurance quotes as you can. It is just not possible to predict with any certainty which company will have better rates than you’re paying now.

Insurance discounts help reduce rates

Companies don’t always list every discount they offer in an easy-to-find place, so here is a list both the well known and the harder-to-find discounts that you can inquire about if you buy insurance online.

• Passenger Safety Discount – Vehicles with factory air bags may qualify for discounts up to 30%.
• Good Student – This discount can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
• Discount for Life Insurance – Some insurance carriers give better premium rates if you take out a life insurance policy as well.
• Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
• Defensive Driving Course – Taking a course that instructs on driving safety could earn you a small percentage discount and make you a better driver.

One thing to note about discounts is that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way. But all discounts will lower the cost of your policy.

To view insurance companies who offer free insurance quotes, enter your zip code here.

Which is the best insurance coverage?

When buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.

• Am I covered if I crash into my own garage door?
• Should I sign the liability waiver when renting a car?
• What are the best liability limits?
• Will I be non-renewed for getting a DUI or other conviction?
• Does insurance cover damages from a DUI accident?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I have newly-acquired coverage?
• Why do I only qualify for high-risk insurance?
• Is my camper covered by my car insurance policy?
• How much can I save by bundling my policies?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete your zip code.

Insurance coverages 101

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision coverage – This covers damage to your MDX from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, driving through your garage door, sustaining damage from a pot hole, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, falling objects, hitting a bird, hail damage and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance – This coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like repair costs for stationary objects, loss of income and bail bonds. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Acura MDX.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance – Med pay and PIP coverage reimburse you for expenses such as doctor visits, surgery, chiropractic care and dental work. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Buy Smart and Save

People change insurance companies for many reasons like poor customer service, questionable increases in premium, not issuing a premium refund or high prices. Regardless of your reason for switching companies, finding a great new company is pretty simple and you could end up saving a buck or two.

Cost effective 2019 Acura MDX insurance can be purchased from both online companies and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies may not offer the ability to get a quote online and these regional carriers provide coverage only through independent agents.

As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. In many cases, drivers have reduced liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at the best possible price, not the least amount of coverage.