View 2014 Acura MDX Insurance Rates

Sick and tired of not being able to afford to insure your Acura every month? You are in the same boat as many other drivers.

You have so many auto insurance companies to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to compare company pricing.

Finding affordable car insurance coverage is not that difficult. Just about anyone who is shopping for car insurance stands a good chance to be able to cut their insurance bill. Nevertheless, drivers benefit from understanding how companies compete online because it can help you find the best coverage.

Compare Insurance Coverage Today

Most companies provide price estimates on the web. Getting quotes is fairly simple as you simply type in the coverage amounts you desire into the quote form. Once entered, their system sends out for reports for credit and driving violations and returns a price based on these and other factors. This helps simplify price comparisons, but having to visit a lot of sites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to perform this step if you want to find the best price on insurance coverage.

There is an easier way!

A quicker way to find lower prices uses one simple form that obtains quotes from multiple companies. It’s a real time-saver, reduces the work, and makes quoting online much simpler. After sending your information, it gets priced with multiple companies and you can pick any of the quote results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. This process only takes a few minutes and you will know how your current rates stack up.

To quickly use this form to compare rates, click here and submit the form. To compare your current rates, we recommend you type in deductibles and limits just like they are on your policy. This ensures you’re receiving a rate comparison based on identical coverages.

Lower rates by qualifying for discounts

Properly insuring your vehicles can get expensive, but you may find discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but some must be asked for before they will apply.

  • Auto/Life Discount – Larger companies have a discount if you purchase auto and life insurance together.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% for MDX insurance depending on your company.
  • Sign Online – A few companies give back up to $50 for buying your policy online.
  • Low Mileage Discounts – Keeping the miles down on your Acura can earn better rates on cars that stay parked.
  • Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiring. The savings is around 10%.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will help reduce your premiums.

For a list of insurers who offer auto insurance discounts, click here to view.

Car insurance is unique, just like you

When buying adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. For example, these questions could help you determine if you might need professional guidance.

  • Why is insurance for a teen driver so high?
  • Will my rates increase for filing one claim?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if hit by an uninsured driver?
  • Do I need PIP coverage since I have good health insurance?
  • How much liability do I need to cover my assets?
  • Do I have coverage if my license is suspended?
  • Is my nanny covered when driving my vehicle?
  • When should I drop full coverage on my 2014 Acura MDX?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Some factors that can determine what Acura MDX insurance costs

It’s important that you understand the rating factors that help determine your insurance coverage rates. Having a good understanding of what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

  • Where you live can impact rates – Choosing to live in less populated areas can be a good thing when buying insurance coverage. Fewer people means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas tend to have much more traffic to deal with and much longer commute distances. Longer commute distances can result in more accidents.
  • Keep rates low by being claim-free – Insurance companies provide cheaper rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Auto insurance is designed for major claims that would cause financial hardship.
  • Do you need those extra coverages? – There are a lot of extra bells and whistles that you can buy when buying insurance coverage. Insurance for vanishing deductibles, towing coverage and additional equipment coverage are some examples. These coverages may sound good initially, but now you might not need them so eliminate the coverages to reduce your premium.
  • Battle of the sexes – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Men and women cause accidents at about the same rate, but the males tend to have more serious accidents. They also get cited for more serious violations such as DWI and reckless driving.

Auto insurance coverages and their meanings

Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on most auto insurance policies.

Liability auto insurance

This protects you from damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like pain and suffering, legal defense fees, repair bills for other people’s vehicles, loss of income and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, a tree branch falling on your vehicle, falling objects and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

This will pay to fix damage to your MDX resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a mailbox, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like hospital visits, surgery and EMT expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Acura MDX.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Saving money makes a lot of cents

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. In many cases, an insured dropped uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. Your goal should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

We’ve covered some good ideas how you can save on 2014 Acura MDX insurance. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a small local company. Regional companies can often provide lower rates in certain areas compared to the large companies like Progressive or Geico.

To learn more, feel free to visit the following helpful articles: