Compare 2014 Acura MDX Insurance Quotes

Trying to find better car insurance rates for your Acura MDX? Pricey Acura MDX insurance can dwindle your bank account and possibly require you to analyze your spending habits. Doing a rate comparison is recommended to tighten up your finances.

Because you have many companies to choose from, it’s nearly impossible to find a more affordable company.

Car insurance discounts help cut rates

Companies offering auto insurance don’t always list the complete list of policy discounts very clearly, so we break down some of the best known as well as the least known ways to save on car insurance.

• Online Discount – Some of the larger companies will discount your bill up to fifty bucks for buying your policy on the web.
• Student Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education if offered at their school.
• Drive Safe and Save – Drivers without accidents can pay as much as 50% less on MDX insurance than drivers with accidents.
• Pay Now and Pay Less – By making one initial payment instead of monthly or quarterly installments you can actually save on your bill.
• Discounts for New Vehicles – Buying a new car model is cheaper compared to insuring an older model.
• Active Service Discounts – Being deployed with a military unit could be rewarded with lower car insurance rates.
• Include Life Insurance and Save – Not all car insurance companies offer life insurance, but some may give you lower prices if you buy some life insurance in addition to your auto policy.
• Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 25 to 30%.
• Drive Less and Save – Keeping the miles down on your Acura could qualify for lower prices on the low mileage vehicles.

It’s important to note that many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you can get free auto insurance, companies wouldn’t make money that way. But all discounts should definitely cut your overall premium however.

A list of car insurance companies and a selection of discounts are included below.

• Progressive may have discounts that include continuous coverage, multi-vehicle, online signing, homeowner, and good student.
• Farmers Insurance may include discounts for good student, early shopping, distant student, bundle discounts, and mature driver.
• Farm Bureau has discounts for renewal discount, youthful driver, driver training, multi-vehicle, and 55 and retired.
• State Farm offers premium reductions for student away at school, multiple autos, accident-free, good student, Drive Safe & Save, safe vehicle, and Steer Clear safe driver discount.
• Geico includes discounts for daytime running lights, good student, membership and employees, multi-policy, multi-vehicle, emergency military deployment, and anti-lock brakes.
• SAFECO may offer discounts for accident prevention training, multi-car, drive less, homeowner, bundle discounts, safe driver, and anti-lock brakes.
• Liberty Mutual policyholders can earn discounts including newly retired, safety features, newly married, teen driver discount, multi-car, new move discount, and new graduate.

If you are trying to find the cheapest insurance coverage quotes, ask every insurance company what discounts are available to you. Some credits might not be available to policyholders in every state.

Which is the best insurance?

When it comes to buying the best insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your insurance needs will benefit from professional help.

• Is my teen driver covered when they drive my company car?
• What should my uninsured motorist coverage limits be in my state?
• Do I need to file an SR-22 for a DUI in my state?
• Is my trailer covered?
• Can I rent a car in Mexico?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Are all vehicle passengers covered by medical payments coverage?
• How do I insure my teen driver?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Don’t be fooled by advertising claims

Consumers can’t escape the ads that promise big savings from the likes of Allstate and Progressive. They all convey the message that drivers can save some big amount if you move to them.

How is it plausible that every one can save you money?

Car insurance companies quote the lowest rates for the type of insured that will generate a profit. A good example of a desirable risk should be married and over the age of 30, carries full coverage, and has great credit. Someone who fits that profile will get low rates as well as save when they switch companies.

People who are not a match for these stringent criteria will get higher premium rates and the customer buying from a different company. The ads state “people who switch” not “everyone that quotes” can save as much as they claim. That is how insurance companies can make claims that they all have the best prices. This illustrates why you absolutely need to do a quote comparison often. Because you cannot predict the company that will have the lowest premium rates for your situation.

Car insurance coverage considerations

Knowing the specifics of car insurance aids in choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average car insurance policy.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills for prosthetic devices, doctor visits, dental work and nursing services. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, damage from a tornado or hurricane and hitting a bird. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage protects you from damage that occurs to people or other property in an accident. It 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, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as funeral expenses, pain and suffering, emergency aid and court costs. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Collision protection

This coverage covers damage to your MDX resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, scraping a guard rail, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Feed the piggy bank

You just read many ideas to reduce 2014 Acura MDX insurance rates online. It’s most important to understand that the more price quotes you have, the better likelihood of getting inexpensive insurance coverage. Consumers may even find the lowest rates are with some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, Geico and Nationwide.

While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. In many instances, drivers have reduced collision coverage and learned later they didn’t purchase enough coverage. The aim is to buy the best coverage you can find for the lowest price.

Cost effective 2014 Acura MDX insurance can be found both online and from local insurance agents, so you need to quote insurance coverage with both to get a complete price analysis. There are still a few companies who may not have rate quotes online and usually these smaller companies only sell through independent insurance agencies.

Additional detailed information is available in these articles:

• Collision Insurance Coverage (Nationwide)
• Child Safety Seats (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Eight Auto Insurance Myths (Insurance Information Insitute)