2017 Acura MDX Insurance Rates

Looking for the cheapest car insurance rates? Shoppers have lots of choices when shopping for the lowest priced Acura MDX insurance. You can either spend your time struggling with agents to get rate comparisons or save time using the internet to compare rates.

There are both good and bad ways to shop for car insurance and we’ll show you the best way to price shop coverage on a Acura and locate the lowest possible price either online or from local insurance agents.

Drivers save money with these discounts

Some insurers do not advertise every available discount very well, so the following is a list of some of the more common and the more hidden savings tricks you should be using when you buy insurance coverage online.

  • Government Employee Discount – Federal government employees can earn a discount up to 10% on MDX coverage with some insurance companies.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save a little off the personal injury premium cost.
  • Drivers Education – Require your teen driver to complete a driver education course in school or through a local driver safety program.
  • Driver Safety – Taking part in a course that instructs on driving safety may get you a small discount and easily recoup the cost of the course.
  • Discounts for Multiple Vehicles – Buying a policy with primary and secondary vehicles with the same insurance company can reduce the rates for all insured vehicles.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Claim-Free Discount – Drivers who don’t have accidents can earn big discounts when compared with drivers who are more careless.
  • Low Mileage – Driving fewer miles may allow you to get better insurancerates on cars that stay parked.

A little disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way.

The best insurance companies and some of their more popular discounts can be read below.

  • Farm Bureau offers discounts including youthful driver, good student, driver training, renewal discount, multi-vehicle, 55 and retired, and safe driver.
  • Liberty Mutual offers discounts for hybrid vehicle, safety features, newly retired, multi-policy, new vehicle discount, and new graduate.
  • State Farm may offer discounts for defensive driving training, multiple autos, safe vehicle, good student, driver’s education, and good driver.
  • Auto-Owners Insurance discounts include teen driver, air bags, safe vehicle, company car, safe driver, multiple vehicles, and good student.
  • Geico policyholders can earn discounts including five-year accident-free, seat belt use, federal employee, military active duty, and anti-theft.
  • SAFECO may include discounts for accident prevention training, drive less, multi-car, anti-theft, teen safe driver, anti-lock brakes, and teen safety rewards.

If you want inexpensive insurance coverage quotes, ask all companies you are considering which discounts can lower your rates. All car insurance discounts may not apply to policyholders in your area. To view insurers with the best discounts, click this link.

Finding insurance coverage

There are a lot of ways to shop for insurance coverage, and some are less time-consuming than others. You can waste a few hours (or days) talking to agents in your area, or you can utilize the web to get rates in a matter of minutes.

Most car insurance companies belong to an insurance system where prospective buyers submit their information once, and each participating company provides a quote. This saves time by eliminating quotation requests for every insurance coverage company.

To enter your information into the quoting system, click here (opens in new window).

The only downside to using this type of form is you can’t choose the companies to get pricing from. If you wish to select individual companies for rate comparison, we have a listing of the cheapest insurance coverage companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just make sure you compare nearly identical coverage information with each company. If your comparisons have different coverage information you will not be able to find the best deal for your Acura MDX.

Acura MDX insurance premiums can be more affordable

Many different elements are used in the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but other factors are not as apparent such as your credit history or your financial responsibility.When buying auto insurance it’s important to understand some of the things that help determine the level of your policy premiums. When consumers understand what influences your rates, this empowers consumers to make smart changes that could result in lower premium levels.

  • Rates increase with driving citations – Having a clean driving record has a lot to do with how much you pay for insurance. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Getting just one ticket could increase your next policy renewal to the point where it’s not affordable. Drivers unfortunate enough to have severe citations such as reckless driving or DUI may face state-mandated requirements to maintain a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.
  • Higher premiums for stressful jobs – Careers like judges, executives and accountants generally have the highest rates due to intense work situations and incredibly demanding work hours. On the flip side, jobs like actors, students and the unemployed generally pay rates lower than average on MDX coverage.
  • Better auto insurance rates on safer cars – Vehicles with good safety scores tend to have better insurance rates. Safer cars protect occupants better and fewer serious injuries translates into fewer and smaller insurance claims and thus lower rates. If your Acura is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Do you know you’re credit rating? – Your credit score factor in determining premium rates. If your credit history can use some improvement, you could be paying less to insure your 2017 Acura MDX by improving your credit score. Drivers with excellent credit scores tend to file fewer claims than drivers who have lower credit scores.
  • Teen drivers pay high premiums – Beginning drivers are statistically shown to be more careless when at the wheel of a vehicle so they pay higher auto insurance rates. Older insureds are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
  • Pleasure use or commuting – The higher the miles on your Acura each year the higher your rate. Almost all companies charge rates based upon how the vehicle is primarily used. Cars and trucks not used for work or commuting receive lower rates than vehicles that are driven to work every day. An incorrectly rated MDX is just wasting money. It’s a good idea to make sure your policy shows annual mileage, because improper ratings can cost you money.

Special considerations

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out whether you might need an agent’s assistance.

  • Should I sign the liability waiver when renting a car?
  • Am I covered if my car is in a flood?
  • Do I benefit by insuring my home with the same company?
  • What is UM/UIM insurance?
  • What happens if I owe more than my 2017 Acura MDX is worth?
  • If I drive on a suspended license am I covered?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I afford to buy a different vehicle if my 2017 Acura MDX is totaled?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance policy coverages for a 2017 Acura MDX

Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Acura MDX.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance

Liability coverage can cover injuries or damage you cause to other’s property or people. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as bail bonds, medical services, repair costs for stationary objects, legal defense fees and attorney fees. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses like nursing services, surgery, funeral costs and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Collision coverage

This coverage pays for damage to your MDX resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, rolling your car, colliding with another moving vehicle, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a broken windshield, damage from getting keyed and vandalism. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

A tidy conclusion

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. Too many times, someone sacrificed collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at the best possible price, not the least amount of coverage.

There are still a few companies who may not have online price quotes and most of the time these small insurance companies only sell through independent agents. Cheap 2017 Acura MDX insurance can be purchased both online and from local insurance agents, so you need to compare both to get a complete price analysis.

We just showed you many tips how you can save on 2017 Acura MDX insurance. The most important thing to understand is the more companies you get premium rates for, the higher your chance of finding low cost insurance coverage. You may be surprised to find that the lowest car insurance rates come from some of the lesser-known companies.

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