Lower Your 2018 Acura MDX Insurance Quotes

Nobody looks forward to buying insurance, especially when they know the cost is too high.

Drivers have many car insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, more choices can make it harder to find a good deal.

Lower rates by qualifying for discounts

Some insurers don’t list all possible discounts in an easy-to-find place, so the list below gives a summary of both well-publicized and the harder-to-find discounts that you can inquire about if you buy car insurance online. If they aren’t giving you every credit possible, you are not getting the best rate possible.

  • Safety Restraint Discount – Drivers who require all vehicle occupants to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Fewer Miles Equal More Savings – Driving less could earn slightly better premium rates than normal.
  • Drive Safe and Save – Insureds who avoid accidents may receive a discount up to 45% for MDX insurance than drivers with accidents.
  • Organization Discounts – Joining a professional or civic organization may earn a discount when shopping for auto insurance.
  • Early Switch Discount – A few larger companies give discounts for buying a new policy prior to the expiration date on your current policy. This discount can save up to 10%.
  • Accident Free – Claim-free drivers pay much less in comparison with frequent claim filers.
  • Anti-lock Brakes – Vehicles with ABS braking systems or traction control have fewer accidents and will save you 10% or more.

Remember that many deductions do not apply to the entire cost. A few only apply to individual premiums such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, you’re out of luck. Any amount of discount will help reduce the cost of your policy.

A few of the larger companies and a summarized list of policyholder discounts can be read below.

  • State Farm discounts include accident-free, student away at school, Drive Safe & Save, passive restraint, driver’s education, and good driver.
  • Liberty Mutual policyholders can earn discounts including new graduate, exclusive group savings, teen driver discount, safety features, preferred payment discount, and newly retired.
  • American Family includes discounts for good driver, early bird, Steer into Savings, mySafetyValet, bundled insurance, good student, and multi-vehicle.
  • Progressive offers premium reductions for online signing, continuous coverage, online quote discount, multi-policy, homeowner, multi-vehicle, and good student.
  • Farmers Insurance may include discounts for bundle discounts, teen driver, switch companies, homeowner, business and professional, and early shopping.
  • Auto-Owners Insurance offers discounts for multiple vehicles, anti-theft, safe vehicle, student away at school, group or association, and paid in full.
  • SAFECO offers discounts including homeowner, teen safety rewards, bundle discounts, multi-car, drive less, safe driver, and accident prevention training.

It’s a good idea to ask every prospective company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policies in your area. To view insurers that offer some of these discounts, follow this link.

Free car insurance price quotes

Shopping for lower car insurance rates can be exhausting if you don’t utilize the most efficient way. You can waste a lot of time discussing policy coverages with agents in your area, or you could save time and use online quotes to get the quickest rates.

Many of the larger companies belong to a marketplace that allows shoppers to submit one quote, and every company then gives them pricing. This prevents consumers from doing quotation requests to each company.

To participate in this free quote system, click to open in new window.

The only drawback to comparing rates this way is you cannot specify which companies to receive prices from. If you would rather choose specific providers to compare prices, we have assembled a list of low cost car insurance companies in your area. Click here to view list.

The approach you take is up to you, just ensure you are comparing nearly identical coverage limits with every price quote. If you have mixed coverages you will not be able to make a fair comparison for your Acura MDX. Just slight variations in coverages could mean much higher rates. And when quoting car insurance, remember that comparing more quotes provides better odds of finding better pricing.

Auto insurance is unique, just like you

When choosing the best auto insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether you might need professional guidance.

  • Am I covered if hit by an uninsured driver?
  • Do I need replacement cost coverage on my 2018 Acura MDX?
  • When does my teenage driver need to be added to my policy?
  • Why does it cost so much to insure a teen driver?
  • What is the minimum liability in my state?
  • At what point should I drop full coverage?
  • Can I afford low physical damage deductibles?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Auto insurance coverage information

Having a good grasp of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from car insurance companies.

Comprehensive car insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, fire damage, hail damage, theft and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage pays for damage to your MDX from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2018 Acura MDX.

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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as prosthetic devices, EMT expenses, surgery, nursing services and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability auto insurance

Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as pain and suffering, attorney fees, court costs and emergency aid. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Quote often and quote early

Some companies may not have the ability to get a quote online and most of the time these regional carriers only sell coverage through independent agencies. Discount 2018 Acura MDX insurance can be sourced on the web as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture.

While you’re price shopping online, never skimp on critical coverages to save a buck or two. There have been many cases where someone dropped uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage for the lowest price while still protecting your assets.

In this article, we presented a lot of techniques to lower your 2018 Acura MDX insurance car insurance rates. The key thing to remember is the more you quote car insurance, the better your chances of lowering your premium rates. Consumers may even find the biggest savings come from a smaller regional carrier. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, Geico and Nationwide.

More detailed insurance coverage information is available in the articles below: