Cheaper 2009 Acura MDX Car Insurance Rates

If you are new to online price comparisons, you may be baffled thanks to the incredible selection local agents and online companies all advertising big savings.

Earn discounts to get lower-cost insurance rates

Insurance is neither fun to buy or cheap, but companies offer discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you quote, but less common discounts must be asked for prior to receiving the credit. If you check and find you aren’t receiving every discount you qualify for, you are throwing money away.

  • Driver’s Education for Students – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Renewal Discounts – A few insurance companies offer discounts for buying a new policy before your current policy expires. You can save around 10% with this discount.
  • Auto/Home Discount – If you can combine your homeowners and auto policy with the same insurance company you could get a discount of up to 20% off your total premium.
  • Theft Deterent – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Telematics Devices – Drivers who elect to allow companies to spy on driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they show good driving skills.
  • Senior Discount – If you’re over the age of 55, you are able to get a discount up to 10% for MDX coverage.
  • Good Student Discount – Maintaining excellent grades may save as much as 25% on a insurance quote. Most companies allow this discount until age 25.

As a footnote on discounts, most credits do not apply to the entire cost. Some only apply to individual premiums such as liability and collision coverage. So even though you would think it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

A list of insurance companies and their possible discounts are included below.

  • Progressive has savings for good student, multi-vehicle, continuous coverage, multi-policy, and online quote discount.
  • The Hartford offers premium reductions for driver training, air bag, anti-theft, vehicle fuel type, and good student.
  • Mercury Insurance may offer discounts for low natural disaster claims, professional/association, multi-car, annual mileage, and ease of repair.
  • Geico policyholders can earn discounts including daytime running lights, five-year accident-free, federal employee, emergency military deployment, defensive driver, air bags, and good student.
  • AAA offers discounts including AAA membership discount, good driver, good student, multi-car, education and occupation, and anti-theft.
  • State Farm includes discounts for driver’s education, Steer Clear safe driver discount, multiple autos, accident-free, student away at school, multiple policy, and passive restraint.

When comparing rates, check with every prospective company what discounts are available to you. A few discounts might not be available to policyholders in every state. To see providers that have a full spectrum of discounts, follow this link.

Shop insurance online

To find the cheapest insurance quotes, there are several ways to compare prices from many different insurance companies. The quickest method to compare rates consists of shopping online. This is quite simple and can be completed in just a few minutes using one of these methods.

If you are pressed for time, the simplest way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This method keeps you from doing boring form submissions for every prospective company. Filling out one form gets you price quotes instantly. Recommended for those who want to invest the least amount of time.

A slightly less efficient method to find more affordable insurance requires a visit to the website for every company you want to comare and repeat the quote process. For instance, we’ll assume you want to see prices from Allstate, Progressive and Liberty Mutual. You would need to navigate to each company’s site and type in your information over and over, which can take a lot of time.

To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just ensure you are comparing exactly the same coverages for each price quote. If you compare different deductibles it will be next to impossible to determine which company has the best rates. Just a small difference in coverages could throw off the whole comparison. Just keep in mind that having more price comparisons will improve the odds of getting lower pricing. Not every company does online quotes, so it’s important to compare quotes from them as well.

Four tips to get cheaper insurance rates

Part of the car insurance buying process is learning a few of the rating criteria that go into determining car insurance rates. If you have some idea of what controls the rates you pay, this empowers consumers to make smart changes that could help you find lower rates. Multiple criteria are used when premium rates are determined. Most are fairly basic like a motor vehicle report, but other criteria are not as apparent like your vehicle usage or your commute time.

  • Better credit means lower rates – Having a good credit rating is likely to be a major factor in calculating your premium rate. Drivers with very high credit ratings tend to file fewer claims and have better driving records than drivers with poor credit. So if your credit rating is low, you may save money insuring your 2009 Acura MDX by repairing your credit.
  • Prevent theft and save – Choosing a vehicle with a theft deterrent system can help lower your premiums. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent auto theft and help lower rates.
  • Pay more by driving carelessly – Drivers with clean records get better prices than people who have multiple driving citations. Getting just one ticket may increase your cost by twenty percent. People who have flagrant violations such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to prove financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
  • Never let your car insurance policy expire – Allowing your coverage to lapse is a fast way to trigger a rate increase. Not only will you pay higher rates, failure to provide proof of insurance may result in a license revocation or jail time.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if your situation may require specific advice.

  • Do I have coverage when using my vehicle for my home business?
  • Does having multiple vehicles earn me a discount?
  • How can I force my company to pay a claim?
  • Is my 2009 Acura MDX covered for flood damage?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is no-fault insurance?
  • I have health insurance so do I need medical payments coverage?
  • Is a blown tire covered by insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Auto insurance in the media

Big name companies like Progressive, Allstate and Geico seem to constantly run television and radio advertisements. All the ads advertise claims that drivers will save a bundle if you move your coverage to them. How does each company charge you less for car insurance? It’s all in the wording.

Many companies quote their best rates for the type of customer that will generate a profit. An example of a profitable insured may need to be married and over the age of 30, has no driving citations, and has great credit. A customer getting a price quote that hits that “sweet spot” receive the lowest rate quotes and will save a lot if they switch.

Drivers who are not a match for those criteria may be forced to pay higher rates which translates to the customer not buying. If you pay close attention to the ads, they say “customers who switch” not “everyone that quotes” save the amount stated. That is how insurance companies can make those statements. Each company has different criteria, so you really need to do a quote comparison often. You cannot predict which auto insurance company will give you lower car insurance rates than your current company.

Coverage specifics

Knowing the specifics of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverages

This coverage pays to fix your vehicle from 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 coverage protects against claims like hail damage, rock chips in glass, damage from flooding, damage from getting keyed and vandalism. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability

This coverage will cover 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 injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as loss of income, structural damage and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Auto collision coverage

Collision coverage pays for damage to your MDX resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like dental work, rehabilitation expenses, ambulance fees and X-ray expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Never pay more for less

We just presented quite a bit of information on how to get a better price on 2009 Acura MDX insurance. The key concept to understand is the more you quote insurance, the better your comparison will be. Drivers may discover the biggest savings come from an unexpected company.

When shopping online for auto insurance, do not reduce needed coverages to save money. There have been many situations where an insured cut full coverage only to regret at claim time that the savings was not a smart move. The goal is to purchase a proper amount of coverage at the best possible price while still protecting your assets.

People who switch companies do it for any number of reasons including policy non-renewal, poor customer service, an unsatisfactory settlement offer and unfair underwriting practices. Regardless of your reason, finding a new auto insurance company can be easier than you think.

More information is located at the links below