Compare 2004 Acura MDX Insurance Quotes

Do you think you bought an overpriced car insurance policy? Believe me, many drivers have buyer’s remorse. Lots of insurers contend for your business, so it’s not easy to compare every insurer to find the lowest cost out there.

It’s a good habit to quote other rates before your next renewal because insurance prices are rarely the same from one policy term to another. If you had the best rates on MDX insurance at your last renewal the chances are good that you can find a lower rate quote today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the fastest way to eliminate unnecessary coverages and save money.

Compare auto insurance rates

Cutting your auto insurance rates is not a difficult process. You just have to take the time comparing rate quotes to find the company with inexpensive insurance quotes. Shoppers can get rates in several different ways.

1. The single most time-saving way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This quick form saves time by eliminating multiple quote forms for each company you want a rate for. Just one form will get you price quotes from several companies.
2. A different way to compare rate quotes is to take the time to go to the website of each company and go through the quote process again. For example, we’ll pretend you want to see prices from USAA, Liberty Mutual and Progressive. To get each rate you have to go to every website and type in your information over and over, which can get rather old. For a handy list of car insurance company links in your area, click here.
3. The least efficient method to comparison shop rate quotes is to spend time driving to insurance agencies in your area. The internet reduces the need to sit down with an agent unless you have a complicated situation and need the peace of mind of a local agency. You can, however, comparison shop online but purchase the actual policy in an agency.

Whichever way you use, double check that you are using the same coverage information on every quote you get. If each company quotes unequal deductibles or liability limits then you won’t be able to determine which rate is truly the best.

Discounts for affordable car insurance rates

Some companies do not list every available discount in a way that’s easy to find, so we break down some of the best known and also the lesser-known credits available to bring down your rates. If you are not receiving all the discounts possible, you are paying more than you should be.

• Life Insurance Discount – Larger insurance companies have a discounted rate on car insurance if you buy a life insurance policy as well.
• Drive Less and Save – Low mileage vehicles can earn lower rates on the low mileage vehicles.
• Anti-lock Brake System – Cars equipped with ABS or steering control are much safer to drive so you can save 10 percent or more.
• New Car Discount – Putting car insurance coverage on a new car can cost up to 25% less since new vehicles are generally safer.
• Sign Early and Save – Select companies give a discount for switching to them prior to the expiration date on your current policy. You can save around 10% with this discount.

Discounts save money, but please remember that many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A few of the larger companies and a summarized list of policyholder discounts are included below.

• Farmers Insurance offers discounts for youthful driver, multi-car, mature driver, switch companies, alternative fuel, and electronic funds transfer.
• Esurance discounts include defensive driver, renters, claim free, multi-policy, paid-in-full, anti-theft, and emergency road assistance.
• State Farm has savings for multiple policy, accident-free, driver’s education, anti-theft, student away at school, good driver, and passive restraint.
• Geico offers premium reductions for five-year accident-free, anti-theft, good student, emergency military deployment, air bags, multi-vehicle, and daytime running lights.
• Allstate includes discounts for resident student, teenSMART discount, good student, senior citizen, multi-policy, defensive driver, and EZ pay plan discount.

If you need low cost insurance quotes, ask all the companies to apply every possible discount. Some credits may not apply to policies in your area. For a list of companies that have a full spectrum of discounts, follow this link.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.

• Why do I need rental car insurance?
• I don’t drive much so do I pay less?
• How high should my medical payments coverage be?
• Am I covered when pulling a rental trailer?
• Does insurance cover damages from a DUI accident?
• Is business equipment covered while in my vehicle?
• Should I drop comprehensive coverage on older vehicles?
• Can my teen driver be rated on a liability-only vehicle?
• Do all my vehicles need collision coverage?
• Why is insurance for a teen driver so high?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverages for a 2004 Acura MDX

Having a good grasp of a insurance policy can help you determine appropriate coverage for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, rock chips in glass and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

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

Collision can pay for claims like rolling your car, sideswiping another vehicle, crashing into a ditch, damaging your car on a curb and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Auto liability insurance

This coverage protects you from damages or injuries you inflict on people or other property that is your fault. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like legal defense fees, pain and suffering and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your 2004 Acura MDX.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills for things like dental work, hospital visits and nursing services. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage