2013 Acura MDX Car Insurance Rates

Trying to find the cheapest insurance coverage rates for your Acura MDX? Finding cheaper premium rates for Driversinsurance coverage is always very difficult for people new to quoting coverage prices online. With dozens of insurers to choose from, it can easily turn into a challenge to locate the lowest price.

The purpose of this post is to help you learn the best way to quote coverages. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. But consumers need to learn how big insurance companies market on the web and use this information to your advantage.

Compare insurance rate quotes

To get affordable car insurance quotes, there a variety of ways to compare rate quotes from insurance companies in your area. The best way to find affordable 2013 Acura MDX insurance rates consists of obtaining rate quotes online. This is very easy and can be done in a couple minutes as outlined below.

1. One of the best ways to find low rates would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for a different quote to each individual insurance company. Taking the time to complete one form gets rate comparisons from multiple companies.It’s the quickest way to get rates.
2. A slightly less efficient method to obtain and compare quotes online is spending the time to visit each company website and request a quote. For example, let’s assume you want to get rates from Nationwide, Progressive and Farmers. To find out each rate you need to take the time to go to each site and repeatedly enter your information, which is why first method is reommended. For a list of links to insurance companies in your area, click here.
3. If you have time to kill, the last way to shop rates is driving to all the different insurance agencies. Doing it all online makes this process obsolete unless you have a complicated situation and need the advice and guidance that you can only get from talking to an agent. You can, however, get prices online but have a local agent actually write the policy.

It’s your choice how you get your quotes, but double check that you are using equivalent coverage data on every quote. If you are comparing different coverage information it’s not possible to make a fair comparison for your Acura MDX. Just slight variations in coverage limits could skew the results. And when comparison shopping, comparing more rates from different companies increases the change that you will find a lower rate than you’re paying now.

Drivers can save with these rate-reducing discounts

Car insurance companies don’t always advertise every possible discount in an easy-to-find place, so we break down both well-publicized and the more hidden credits that may apply to you.

• Passive Restraints – Factory options such as air bags or motorized seat belts can qualify for discounts up to 30%.
• Paperless Signup – Some of the larger companies provide a small discount for buying a policy and signing up on the internet.
• Memberships – Being a member of specific professional or occupational memberships or organizations is a simple method to lower premiums on your next auto insurance statement.
• Anti-theft Discount – Cars that have factory anti-theft systems are less likely to be stolen and will qualify for a discount on a car insurance quote.
• Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control are much safer to drive and therefore earn up to a 10% discount.
• Payment Method – By making one initial payment as opposed to paying monthly you could save 5% or more.
• Multiple Policy Discount – If you can combine your home and auto policy with one company you could earn a discount of nearly 15% which can help you find affordable car insurance.

Don’t be surprised that most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, auto insurance companies aren’t that generous.

A few popular companies and their possible discounts can be read below.

• 21st Century offers discounts including teen driver, good student, automatic seat belts, homeowners, and driver training.
• State Farm may include discounts for Drive Safe & Save, accident-free, passive restraint, multiple autos, and Steer Clear safe driver discount.
• AAA may offer discounts for anti-theft, multi-car, AAA membership discount, multi-policy, pay-in-full, good student, and education and occupation.
• Liberty Mutual has discounts for new vehicle discount, new graduate, preferred payment discount, teen driver discount, exclusive group savings, new move discount, and good student.
• Progressive may have discounts that include good student, online quote discount, online signing, multi-vehicle, and multi-policy.

Double check with all the companies what discounts are available to you. All car insurance discounts may not apply to policyholders everywhere. To see insurance companies that can offer you the previously mentioned discounts, click this link.

Do I need special coverages?

When buying coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

• Is my custom paint covered by insurance?
• When would I need additional glass coverage?
• Should I get collision insurance on every vehicle?
• Does my policy cover my teen driver if they drive my company car?
• Do I get a pro-rated refund if I cancel my policy early?
• When would I need rental car insurance?
• How do I file an SR-22 for a DUI in my state?
• Is business equipment covered while in my vehicle?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.

The coverage is in the details

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive coverages – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, falling objects, vandalism, hail damage and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverage – Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things like pain and suffering, court costs, repair costs for stationary objects, legal defense fees and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as surgery, pain medications, prosthetic devices and X-ray expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, scraping a guard rail and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage – This gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.