2014 Acura MDX Insurance Quotes

Drivers have options when trying to find low-cost Acura MDX insurance. They can either waste time contacting agents to compare prices or leverage the internet to compare rates.

There is a better way to shop for auto insurance and you need to know the quickest way to price shop coverage on a Acura and get the best price possible from local insurance agents and online providers.

How to compare free insurance coverage rate quotes

Getting a cheaper price on 2014 Acura MDX insurance isn’t really that difficult. Consumers just need to take a few minutes comparing rate quotes online with multiple companies. Insurance prices can be quoted in a couple of different ways.

  1. The most efficient method to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do boring form submissions for each company you want a rate for. Just one form gets prices estimates from multiple low-cost companies. Just one form and you’re done.
  2. A harder way to find lower rates is to take the time to go to the website for each individual company and request a quote. For example, we’ll pretend you want to compare prices for Farmers, State Farm and Liberty Mutual. To find out each rate you need to spend time going to each site individually and punch in your information repeatedly, which is not fast way to get rate quotes. For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but make absolute certain that you use the same coverage limits on every quote you get. If you use higher or lower deductibles you will not be able to make a fair rate comparison.

Use discounts on auto insurance

Companies do not advertise all their discounts in an easy-to-find place, so the list below contains both the well known as well as the least known discounts you could be receiving when you buy car insurance online. If you don’t get every credit you qualify for, you may be paying too high a price.

  • Driver’s Ed – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Discount for Home Ownership – Owning a home can earn you a little savings since home ownership demonstrates responsibility.
  • Low Mileage – Fewer annual miles on your Acura could qualify for lower auto insurancerates on the low mileage vehicles.
  • Driving Data Discount – Insureds that choose to allow companies to spy on their driving habits by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they have good driving habits.
  • College Student – Older children who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle can receive lower rates.

Keep in mind that most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way.

A list of auto insurance companies and a selection of discounts are outlined below.

  • American Family policyholders can earn discounts including early bird, air bags, accident-free, bundled insurance, good driver, and good student.
  • Farm Bureau discounts include 55 and retired, youthful driver, multi-vehicle, driver training, multi-policy, and good student.
  • State Farm may include discounts for accident-free, passive restraint, defensive driving training, multiple autos, good student, and Steer Clear safe driver discount.
  • Travelers offers discounts including IntelliDrive, hybrid/electric vehicle, multi-policy, good student, and payment discounts.
  • The Hartford has savings for defensive driver, good student, driver training, air bag, and vehicle fuel type.
  • Geico may have discounts that include seat belt use, membership and employees, multi-vehicle, five-year accident-free, and military active duty.
  • Progressive offers premium reductions for multi-vehicle, multi-policy, online signing, online quote discount, and continuous coverage.

Double check with each company the best way to save money. Depending on the company, some discounts might not apply in your area.

What impacts Acura MDX insurance premiums?

An important part of buying insurance is that you know some of the things that come into play when calculating insurance rates. When you understand what determines base rates, this enables informed choices that may result in big savings. Many different elements are used when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but others are less apparent such as whether you are married or your financial responsibility.

  • Does car insurance cost less for women? – Over the last 30 years, statistics show that men are more aggressive behind the wheel. However, don’t assume that females are better at driving than males. They both tend to get into accidents in similar percentages, but men tend to have higher claims. Men also tend to get cited for more serious violations like reckless driving and DUI. Male teenagers generally have the highest accident percentage and thus pay the highest rates.
  • Save money by having multiple policies – Many insurance companies afford discounts to insureds that purchase more than one policy such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even if you already get this discount, consumers should still compare other company rates to confirm you are receiving the best rates possible. You may still find better rates by insuring with multiple companies.
  • Big city or small town – Choosing to live in areas with lower population is a positive aspect when it comes to insurance. People who live in big cities have to deal with traffic congestion and more severe claims. Fewer drivers and short commutes corresponds to lower accident rates as well as less vandalism and auto theft.
  • Safer occupants lowers premiums – Cars with five star safety ratings tend to have better insurance rates. Vehicles engineered for safety reduce occupant injuries and any reduction in injury severity means less money paid by your insurance company which can mean better rates for you.
  • Driving citations mean higher rates – How you drive has a big impact on rates. Attentive drivers pay less for auto insurance than people who have multiple driving citations. Having a single moving violation can increase rates by as much as twenty percent. Drivers with serious violations such as DUI or willful reckless driving might be required by their state to file a SR-22 with the DMV in their state in order to prevent their license from being revoked.
  • Drive less and save – The higher the mileage driven in a year’s time the more you’ll pay to insure it. The majority of insurers charge to insure your cars based upon how you use the vehicle. Autos that sit idle most of the time qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your insurance policy states the proper vehicle usage. An improperly rated MDX may be costing you higher rates.
  • Optional features that lower prices – Owning a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft and help bring rates down.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining whether your personal situation would benefit from an agent’s advice.

  • Am I better off with higher deductibles on my 2014 Acura MDX?
  • Is rental equipment covered for theft or damage?
  • Are my tools covered if they get stolen from my vehicle?
  • When does my teenage driver need to be added to my policy?
  • Am I insured when driving a different vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Is my teen driver covered when they drive my company car?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

But they said I’d save $406 a year!

Consumers can’t get away from all the ads that claim the best prices by companies like State Farm and Allstate. They all advertise claims that drivers can save some big amount just by moving your coverage.

How does every insurance company save you money? It’s all in how they say it.

All the different companies provide the lowest rates for the right customer that earns them the highest profit. One example of a desirable insured may be over the age of 45, owns their home, and chooses high deductibles. A driver that meets those criteria will get low premium rates and will probably save money with a new company.

Drivers who don’t meet these criteria will probably be forced to pay a higher premium which translates to the customer buying from a different company. The ad wording is “drivers who switch” not “everyone that quotes” save that much. That is how companies can truthfully make those claims.

Because of the profiling, you really should compare as many free car insurance quotes as you can. It’s not possible to predict which company will be your best fit.

Detailed coverages of your car insurance policy

Learning about specific coverages of car insurance aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Liability auto insurance – Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as bail bonds, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive (Other than Collision) – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, damage from flooding, hitting a bird and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Acura MDX.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Medical expense insurance – Med pay and PIP coverage pay for bills such as nursing services, pain medications, prosthetic devices, X-ray expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision – 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 and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, hitting a mailbox, colliding with another moving vehicle, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage on a shoestring budget

Cheaper 2014 Acura MDX insurance can be sourced both online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. Some companies may not provide rate quotes online and most of the time these regional insurance providers only sell coverage through independent insurance agents.

When shopping online for auto insurance, never skimp on critical coverages to save a buck or two. Too many times, an insured dropped uninsured motorist or liability limits and discovered at claim time that it was a big mistake. Your objective should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

You just read many ways to reduce 2014 Acura MDX insurance prices online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding the cheapest car insurance. You may be surprised to find that the most savings is with a lesser-known regional company.

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