2011 Acura MDX Insurance Rates – 10 Tips for Cheapest Quotes

Looking for better insurance coverage rates for your Acura MDX? Having to pay for overpriced Acura MDX insurance can drain your personal savings and force you to make sacrifices. Comparing price quotes is free and is an excellent way to cut your insurance bill.

Insurance companies such as Allstate, Progressive and GEICO promote their brand names with TV and radio ads and it can be hard to sift through the bull and take the time to shop coverage around.

If you are paying for car insurance now, you should be able to save some money using these techniques. Buying car insurance is not rocket science. But car owners do need to learn the way companies market on the web and use this information to your advantage.

Save with discounts on 2011 Acura MDX insurance

Auto insurance companies don’t always advertise all their discounts very clearly, so we break down both the well known and the more hidden ways to save on insurance coverage.

  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Multi-policy Discount – When you have multiple policies with the same company you may save at least 10% off all policies.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for reduced rates on MDX coverage.
  • Passive Restraints and Air Bags – Factory air bags can get savings of more than 20%.
  • Good Student – This discount can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • E-sign – A few companies give back up to $50 simply for signing over the internet.
  • Homeowners Discount – Simply owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.

Keep in mind that most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way.

A partial list of companies who might offer some of the above discounts include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not be offered in your area.

Tailor your coverage to you

When buying adequate coverage, there really is not a cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. For instance, these questions may help highlight whether you would benefit from an agent’s advice.

  • Am I covered if hit by an uninsured driver?
  • Does my 2011 Acura MDX qualify for pleasure use?
  • How do I buy GAP insurance?
  • What is the minimum liability in my state?
  • Am I covered when driving in Canada or Mexico?
  • How much underlying liability do I need for an umbrella policy?
  • Does liability extend to a camper or trailer?
  • Am I insured when driving a different vehicle?
  • Do I have coverage when making deliveries for my home business?
  • Is motorclub coverage worth it?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Insurance coverage considerations

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by insurance companies.

Auto liability

This protects you from damage that occurs to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like bail bonds, loss of income, structural damage, pain and suffering and emergency aid. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, rock chips in glass and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

This covers damage to your MDX caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with a tree, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses like funeral costs, pain medications, surgery and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

In Summary

Low-cost 2011 Acura MDX insurance can be found both online and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some insurance companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When buying insurance coverage, you should never skimp on coverage in order to save money. In many instances, someone dropped liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

You just read a lot of information how to compare insurance prices online. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the most savings is with the smaller companies. They may have significantly lower rates on certain market segments than their larger competitors like Allstate or State Farm.

Much more information about insurance can be found at the links below