2020 Acura MDX Car Insurance Quotes in 2024

Saving money on Driverscar insurance can be kind of frustrating for drivers who are beginners to quoting coverage rates online. Since there are so many companies in the marketplace, it can easily become more work than you anticipated to find a cheaper company.

Smart consumers take time to compare premium rates quite often because car insurance rates are rarely the same from one policy term to another. Even if you think you had the best rate on MDX insurance on your last policy the chances are good that you can find a lower price today. Forget anything you know (or think you know) about car insurance because we’re going to show you how to quote online to save money, get proper coverage and the best rates.

Eight tips to get cheaper insurance rates

Lots of factors are used in the calculation when pricing auto insurance. Most are fairly basic such as traffic violations, although others are more obscure like your vehicle usage or how safe your car is.

• Age of drivers impacts rates – Young drivers are statistically shown to be more careless in a vehicle so they pay higher auto insurance rates. Older people are shown to be more cautious, cause fewer claims and accidents and tend to be get fewer driving tickets.
• Stay claim-free and lower prices – If you are a frequent claim filer, you shouldn’t be surprised to get higher rates. Companies award lower rates to drivers who are not frequent claim filers. Your insurance policy is designed for more catestrophic claims.
• Vehicle options impact rates – Choosing to buy a car with an alarm system can help lower your premiums. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart auto theft and help lower rates.
• Get hitched and pay less – Walking down the aisle actually saves money on your policy. Having a spouse is viewed as being more financially stable and it’s proven that married drivers tend to file fewer claims.
• Never let your auto insurance policy lapse – Not maintaining insurance is illegal and any future policy may cost more because you let your insurance lapse for non-payment. And not only will insurance be more expensive, being ticketed for driving with no insurance could earn you a steep fine or even jail time. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
• Prices may be higher where you live – Choosing to live in less populated areas of the country can save you money when buying auto insurance. Urban drivers have congested traffic and more time behind the wheel. Fewer people translates into fewer accident claims.
• Less chance of injury means lower auto insurance rates – Safer cars cost less to insure. The safest vehicles help reduce the chance of injuries in an accident and fewer serious injuries means less claims paid which can mean better rates for you. If your Acura MDX has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
• Higher auto insurance rates for tough vocations – Did you know your career choice can influence rates? Careers such as judges, police officers and dentists have the highest rates due to high stress and lengthy work days. On the other hand, jobs like professors, engineers and retirees get better rates on MDX insurance.

Compare auto insurance rates

Shopping for lower auto insurance rates can be a daunting task if you don’t know the fastest way to get free quotes. You could spend the better part of a day driving to agents in your area, or you could use the web to quickly compare rates.

Most major companies participate in a marketplace where insurance shoppers submit one quote, and every company can provide price quotes based on the submitted data. This eliminates the need for quotation requests to each individual auto insurance company.

To enter your information into the quoting system, enter your zip code here.

The single downside to doing it this way is buyers cannot specifically choose which insurance companies to receive prices from. If you would rather choose individual companies to compare prices, we have a listing of companies who write auto insurance in your area. Click to enter zip code for insurance companies.

Compare rates however you want, just ensure you’re using the same coverages and limits for each comparison quote. If you are comparing different limits and deductibles on each one you will not be able to determine which company has the best rates. Just a small difference in coverages can mean a large discrepancy in price. Keep in mind that comparing all the rates in your area gives you a better chance of getting more affordable rates.

These discounts can reduce auto insurance rates

Some providers don’t necessarily list all discounts in a way that’s easy to find, so the following is a list of some of the best known as well as some of the hidden discounts you could be receiving when you buy car insurance online.

• Discounts for Safe Drivers – Insureds who avoid accidents can save as much as half off their rates on MDX insurance than less cautious drivers.
• Paper-free Discount – A few companies will discount your bill up to fifty bucks for signing up over the internet.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
• New Vehicle Savings – Adding a new car to your policy may earn a small discount since newer vehicles are generally safer.
• Anti-theft System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

Auto insurance companies that may have some of the discounts shown above include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

It’s a good idea to ask all the companies what discounts are available to you. Some discounts listed above might not be available to policyholders everywhere. If you would like to see a list of insurers that offer multiple discounts, enter your zip code here.

When do I need an agent’s advice?

When it comes to choosing coverage for your vehicles, there really is no “perfect” insurance plan. Each situation is unique.

These are some specific questions could help you determine whether or not you may require specific advice.

• How much underlying liability do I need for an umbrella policy?
• Why do I only qualify for high-risk insurance?
• When can I cancel my policy?
• Do I have coverage when making deliveries for my home business?
• Do I pay less for low miles?
• Can I rate high risk drivers on liability-only vehicles?
• Why am I be forced to buy a membership to get insurance from some companies?
• Should I sign the liability waiver when renting a car?
• Are rock chip repairs covered?
• Can I afford to buy a different vehicle if my 2020 Acura MDX is totaled?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, fill out your zip code.

Insurance coverage breakdown

Understanding the coverages of your policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as hospital visits, rehabilitation expenses, pain medications, dental work and surgery. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage

This protects you from damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like medical expenses, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, colliding with a tree, driving through your garage door, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, falling objects and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Make an honest buck

When searching for cheaper car insurance quotes, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at the lowest possible cost.

You just read a lot of tips how to save on 2020 Acura MDX insurance. It’s most important to understand that the more companies you get rates for, the better likelihood of getting low cost car insurance. You may even discover the most savings is with some of the lesser-known companies.

Lower-priced car insurance is possible on the web and from local agencies, so you should compare both to get a complete price analysis. There are still a few companies who may not provide online rate quotes and usually these regional insurance providers only sell through independent agents.