2009 Acura MDX Insurance Quotes – 6 Tips for Best Rates

Feel like you’re a prisoner to overpriced insurance coverage? Believe me when I say there are many people just like you.

Due to the large number of online and local companies to choose from, it is hard for the average consumer to pick the lowest cost insurance company.

It’s a good habit to price shop coverage as often as possible because prices change frequently. Just because you found the lowest rate for MDX insurance two years ago you will most likely find a better premium rate today. Forget all the misinformation about insurance coverage because you’re going to learn the best way to properly buy coverages and cut your premium.

Finding the best rates is not rocket science. Basically, every vehicle owner who has to buy insurance coverage will more than likely be able to find lower rates. Although car owners need to learn the way insurance companies market on the web because it can help you find the best coverage.

Auto insurance rates and discounts

Auto insurance is not inexpensive, but you might already qualify for some discounts that you may not even be aware of. Some trigger automatically when you purchase, but occassionally some discounts must be manually applied before you get the savings.

• Student in College – who attend college more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
• Senior Citizen Rates – Drivers that qualify as senior citizens are able to get a small discount on rates for MDX insurance.
• Drivers Ed for Students – Have your child enroll and complete driver’s education in school.
• ABS and Traction Control Discounts – Cars that have anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
• Homeowners Discount – Owning a home may earn you a small savings because owning a home requires a higher level of personal finance.
• Onboard Data Collection – Insureds that choose to allow their company to analyze driving patterns by using a telematic data system such as State Farm’s In-Drive might get better premium rates if their driving habits are good.

Keep in mind that some credits don’t apply the the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that you would end up receiving a 100% discount, you aren’t that lucky.

Popular auto insurance companies and a summarized list of policyholder discounts are detailed below.

• Geico offers premium reductions for good student, air bags, federal employee, driver training, and anti-theft.
• MetLife may have discounts that include multi-policy, good student, accident-free, good driver, defensive driver, and claim-free.
• State Farm may offer discounts for accident-free, passive restraint, anti-theft, defensive driving training, safe vehicle, multiple autos, and multiple policy.
• Progressive includes discounts for homeowner, multi-vehicle, multi-policy, online signing, and continuous coverage.
• Mercury Insurance policyholders can earn discounts including annual mileage, professional/association, ease of repair, accident-free, and good driver.
• 21st Century has discounts for homeowners, good student, teen driver, early bird, and driver training.
• Allstate offers discounts including eSmart discount, auto/life discount, senior citizen, teenSMART discount, economy car, and farm vehicle.

When quoting, ask each company or agent which discounts they offer. Savings may not apply to policies everywhere. To see auto insurance companies with discount auto insurance rates, click here to view.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might point out whether you will benefit from professional help.

• Do I need an umbrella policy?
• Do I need to file an SR-22 for a DUI in my state?
• Am I covered if I break a side mirror?
• Where can I find DUI or SR-22 insurance?
• Does coverage extend to a rental car in a foreign country?
• Exactly who is provided coverage by my policy?
• Do I need higher collision deductibles?
• How many claims can I have before being cancelled?
• Do I need motorclub coverage?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Coverages available on your policy

Understanding the coverages of a auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the normal coverages offered by auto insurance companies.

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, fire damage and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses such as ambulance fees, pain medications, hospital visits and EMT expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance

Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things such as loss of income, emergency aid, medical services and court costs. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Collision coverage

This covers damage to your MDX resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like backing into a parked car, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Power to the consumer

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

Budget-friendly insurance is definitely available both online and from local agencies, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and these regional insurance providers work with independent insurance agents.

Throughout this article, we presented many ideas to get a better price on 2009 Acura MDX insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

More learning opportunities

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• Auto Insurance Learning Center (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)