Lower Your 2004 Acura MDX Car Insurance Rates

Looking for lower insurance coverage rates for your Acura MDX? Confused by the crazy number of insurance coverage companies? Many other drivers are as well. You have so many companies to choose from that it can be a ton of work to find better rates.

Pay less for Acura MDX insurance

Car insurance is not cheap, but discounts can save money and there are some available to help bring down the price. Larger premium reductions will be automatically applied when you purchase, but some must be specially asked for before being credited.

  • Life Insurance – Some companies give better rates if you take out life insurance from them.
  • Own a Home – Owning a house can save you money because maintaining a house is proof that your finances are in order.
  • Passive Restraints – Cars that have air bags or motorized seat belts can receive discounts of 20% or more.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class in school.
  • Organization Discounts – Belonging to a civic or occupational organization could qualify you for a break on insurance for MDX coverage.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will cut the cost of coverage.

For a list of companies who offer insurance discounts, follow this link.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For instance, these questions can help discover if you might need an agent’s assistance.

  • Does my policy pay for OEM or aftermarket parts?
  • Can my babysitter drive my car?
  • Are my friends covered when driving my car?
  • Is a blown tire covered by insurance?
  • Am I covered if I drive in a foreign country?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does coverage extend to my business vehicle?
  • What is roadside assistance coverage?
  • Are split liability limits better than a combined single limit?

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

Coverages available on your insurance policy

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, a broken windshield and hitting a deer. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for immediate expenses for doctor visits, ambulance fees, prosthetic devices, hospital visits and chiropractic care. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability coverage

This coverage provides protection from damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like loss of income, attorney fees and emergency aid. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Acura MDX.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Usually these limits are set the same as your liablity limits.

Quote often and quote early

Cheaper 2004 Acura MDX insurance can be bought both online in addition to many insurance agents, so compare prices from both to have the best rate selection. Some insurance providers do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

We just presented a lot of ways to lower your insurance rates. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the biggest savings come from an unexpected company.

When shopping online for car insurance, you should never sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage at an affordable rate.

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