2011 Acura MDX Insurance Quotes – 6 Policy Discounts

Looking for cheaper insurance rates for your Acura MDX? If you’ve never shopped for insurance quotes online, most likely you are confused by the diversity of insurance companies competing for your business.

Discount car insurance quotes

Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Certain credits will be shown at the time of quoting, but some may not be applied and must be asked about before you get the savings.

  • No Charge for an Accident – Not really a discount, but some insurance companies will let one accident slide before hitting you with a surcharge so long as you are claim-free for a set time period.
  • No Claims – Drivers who don’t have accidents get the best car insurance rates in comparison with drivers who are more careless.
  • Paperless Signup – Certain larger companies provide a small discount for completing your application on your computer.
  • Save with More Vehicles Insured – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Telematics Data Discounts – Insureds that choose to allow companies to spy on driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they exhibit good driving behavior.
  • Military Deployment Discount – Being deployed with a military unit may lower your prices slightly.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, company stockholders wouldn’t be very happy. But all discounts will definitely reduce your overall premium however.

Popular car insurance companies and a partial list of their discounts are detailed below.

  • AAA may have discounts that include good student, anti-theft, education and occupation, multi-car, and AAA membership discount.
  • Progressive may include discounts for multi-policy, continuous coverage, homeowner, multi-vehicle, online quote discount, good student, and online signing.
  • State Farm discounts include passive restraint, driver’s education, anti-theft, student away at school, multiple autos, and Steer Clear safe driver discount.
  • Esurance may offer discounts for homeowner, multi-car, safety device, paid-in-full, online shopper, emergency road assistance, and online quote.
  • Nationwide policyholders can earn discounts including family plan, defensive driving, Farm Bureau membership, easy pay, good student, and accident-free.

It’s a good idea to ask all companies you are considering which discounts can lower your rates. All car insurance discounts may not apply to policies in your area.

The fastest way that we advise to compare car insurance company rates is to know the trick car insurance companies actually pay money for the chance to compare rate quotes. The only thing you need to do is give them rating details including whether you drive to work or school, driver ages, whether you are married, and your job. Your rating data is instantly provided to multiple car insurance providers and you should receive rate quotes very quickly.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For example, these questions can aid in determining if you might need professional guidance.

  • Am I getting all the discounts available?
  • Should I waive the damage coverage when renting a car?
  • Do I benefit by insuring my home with the same company?
  • How do I insure my teen driver?
  • Do I need rental car coverage?
  • Can I get a multi-policy discount?
  • If my 2011 Acura MDX is totaled, can I afford another vehicle?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Insurance ads are enticing

Respected companies like 21st Century, Allstate and State Farm consistently run television, radio, and online ads. All the companies have a common claim that drivers can save some big amount just by moving your insurance coverage to their company. How can each company claim to save you money? Just pay attention to how they say it.

Different companies give the best rates for the type of customer that earns them the highest profit. For instance, a profitable customer could be between the ages of 30 and 50, has no claims, and has great credit. A driver who meets those qualifications receives the best prices and most likely will save some money.

Potential insureds who do not meet those standards will be charged a higher rate with the end result being business not being written. The trick is to say “drivers that switch” but not “everyone who gets a quote” save money. This is how companies can truthfully make the claims of big savings. Because of this risk profiling, drivers must compare many company’s car insurance rates. It is impossible to guess which company will provide the lowest rates.

Insurance coverage basics

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision – Collision coverage pays for damage to your MDX resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like driving through your garage door, backing into a parked car and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability auto insurance – This can cover damages or injuries you inflict on people or other property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things such as repair costs for stationary objects, funeral expenses, legal defense fees, medical expenses and medical services. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive (Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, a broken windshield, vandalism and damage from getting keyed. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers – This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Acura MDX.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like doctor visits, nursing services, X-ray expenses, rehabilitation expenses and dental work. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

In Summary

Drivers who switch companies do it for a number of reasons such as not issuing a premium refund, lack of trust in their agent, poor customer service and even high rates after DUI convictions. Regardless of your reason for switching companies, finding a new insurance coverage company is pretty easy and you might even save some money in the process.

When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. Too many times, someone dropped liability coverage limits to discover at claim time that they should have had better coverage. The aim is to purchase a proper amount of coverage for the lowest price, but do not sacrifice coverage to save money.

We covered a lot of techniques to reduce 2011 Acura MDX insurance rates online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. Drivers may discover the lowest priced insurance coverage comes from a smaller regional carrier.

For more information, feel free to visit the resources below: