View 2003 Acura MDX Car Insurance Cost

Want better auto insurance rates for your Acura MDX? Trying to find better insurance prices for an Acura MDX can turn out to be difficult, but you can use the following methods and make it easy. There is a better way to buy auto insurance and you need to know the proper way to get price quotes on a Acura and obtain the lowest possible price from local insurance agents and online providers.

Finding the best rates is easy if you know what you’re doing. If you are insured now or need a new policy, you can use these tips to shop for the lowest rates and possibly find even better coverage. Vehicle owners just need to learn the best way to shop for insurance coverage over the internet.

You may qualify for discounts

Car insurance companies don’t list every policy discount in an easy-to-find place, so we break down both the well known and the more hidden discounts you could be receiving when you buy auto insurance online.

  • Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and will qualify for a discount on a auto insurance quote.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.
  • Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on auto insurance quote in comparison with accident-prone drivers.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school or through a local driver safety program.
  • ABS Braking Discount – Vehicles that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
  • Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase life insurance.

As a sidenote, many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. So when it seems like you could get a free auto insurance policy, it’s just not the way it works.

To view insurers that offer some of these discounts, click here to view.

The quickest way to get rate comparisons is to take advantage of the fact most of the bigger providers will pay a fee to provide you with a free rate quote. All consumers are required to do is spend a couple of minutes providing details like types of safety features, the ages of drivers, an estimate of your credit level, and how much you drive. That rating data is instantly submitted to multiple top-rated companies and they respond with quotes instantly.

How insurance providers determine Acura MDX insurance rates

Many different elements are considered when you get a price on insurance. Some of the criteria are obvious such as traffic violations, but some are less apparent such as whether you are married or your financial responsibility.

  • Urban areas may pay more – Having an address in a rural area is a positive aspect when trying to find low car insurance rates. People who live in big cities have traffic congestion and more time behind the wheel. Fewer people means less chance of accidents in addition to lower liability claims
  • Having a spouse can lower prices – Walking down the aisle helps lower the price on your insurance coverage policy. Having a significant other translates into being more responsible and insurance companies like that married drivers get in fewer accidents.
  • Low coverage deductibles can be expensive – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some examples of covered claims could be colliding with a building, hail damage, and burglary. Deductibles for physical damage state the amount of money you are required to spend if the claim is covered. The larger the amount the insured has to pay upfront, the lower your rates will be on MDX coverage.
  • Liability claims can be big – A critical coverage on your policy, liability insurance will protect you when you are responsible for an accident. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Males pay higher costs – The statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes cause at-fault accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also tend to get ticketed for serious violations like DWI (DUI) or reckless driving.
  • Driver age impacts prices – More mature drivers tend to be more responsible, cause fewer claims and accidents and are safer drivers.Young drivers have been known to get distracted easily when driving therefore insurance coverage rates are much higher.

There’s no such thing as the perfect insurance coverage policy

When buying adequate coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions could help you determine whether you may require specific advice.

  • What exactly is covered by my policy?
  • If my pet gets injured in an accident are they covered?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered when driving a rental car?
  • Do I need higher collision deductibles?
  • Am I covered if my car is in a flood?
  • Am I covered if I wreck a rental car?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

The ad said I’d save $459 a year!

Consumers constantly see and hear ads for the lowest price auto insurance from the likes of Allstate, Geico and Progressive. All the ads seem to make the promise that drivers can save some big amount if you switch your policy.

Is it even possible that every company can give you a lower rate? Here is the trick they use.

All companies quote their cheapest rates for the type of driver that will not have excessive claims. For instance, this type of driver could possibly be between the ages of 30 and 45, has other policies, and has a short commute. Anyone who fits that profile will get the preferred car insurance rates and most likely will save when switching.

Consumers who are not a match for the requirements will probably have to pay higher prices with the end result being the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers that switch” not “everybody who quotes” save the amount stated. That’s why companies can advertise the savings. Because each company has a different risk profile, you really need to compare free auto insurance quotes often. It’s just too difficult to predict which insurance companies will have the lowest car insurance rates for your situation.

Specifics of your auto insurance policy

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Acura MDX.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Liability coverage

This provides protection from damages or injuries you inflict on a person or their property. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

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

Liability coverage pays for things like medical expenses, repair bills for other people’s vehicles, attorney fees, structural damage and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Collision coverage

Collision insurance pays for damage to your MDX caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like backing into a parked car, crashing into a building and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills for dental work, chiropractic care, surgery, X-ray expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance will pay to fix 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 can pay for things like vandalism, fire damage, a broken windshield, falling objects and damage from flooding. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

A fool and his money are soon parted

Cheaper car insurance is available both online and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not provide rates over the internet and most of the time these small insurance companies only sell through independent insurance agents.

Drivers leave their current company for any number of reasons including unfair underwriting practices, delays in paying claims, denial of a claim or even not issuing a premium refund. No matter why you want to switch, finding the right car insurance provider is less work than it seems.

We just covered a lot of techniques to lower your 2003 Acura MDX insurance premium rates. It’s most important to understand that the more times you quote, the better your chances of lowering your prices. You may even discover the biggest savings come from an unexpected company.

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Comments About 2003 Acura MDX Insurance

  1. Jacinta Spence

    In Little Rock, AR, Allstate auto insurance rates for my 2003 Acura MDX were good. I have several vehicles insured with them. Anyone else drop full coverage?

  2. Noriko Johnston

    I think State Farm has low rates in Pennsylvania. For me anyway.

  3. Maximo Gay

    If you have a clean record and live near Worcester, Massachusetts, check out Allstate. You might get cheaper rates. A clean driving record helps. I only have liability coverage on it.

  4. Evita Velazquez

    This is too expensive. I’m from Mobile, AL. Quoted with American Family, Sentry, and Travelers for my MDX and I’m now saving $22 a month. Insured with Mercury before. I just carry liability insurance.

  5. Maris Carlson

    Liked the article. Live in Gaithersburg, MD. Got free quotes online for a 2003 Acura MDX. Ended up at about $100 savings annually. Went with Progressive. Just go online and compare their rates.

  6. Mildred Pickett

    Is GEICO or State Farm cheaper in Chicago, IL?

  7. Denny Hess

    Just my two cents. Live in Sioux Falls, SD. Got car insurance quotes from The General, Auto-Owners, MetLife, and a couple others for my 2003 Acura MDX and I’m now saving $21 a month. I think they have home insurance too. I’m thinking about dropping full coverage though.

  8. Sharie Green

    If you have a clean record and are close to Phoenix, Arizona, check out Allstate. They seem to be cheaper. They were helpful in switching over. Full coverage costs too much.

  9. Keeley Hayes

    Too expensive. I ride a bike.

  10. Elfriede Warner

    I’m just south of Overland Park, KS. Received quotes with Western Auto Insurance, American Family, GMAC, and MetLife for my Acura and cut my rates about $90 a year. Insured with AAA before. They offer free online rate quotes.

  11. Enedina Alford

    State Farm quoted the best rates in Delaware.