2018 Acura MDX Car Insurance Quotes – 9 Ideas for Cheapest Rates

Searching for cheaper auto insurance rates for your Acura MDX? I really doubt anyone gets a kick out of paying for auto insurance, in particular when the prices are way too high.

Big companies like State Farm, GEICO and Farmers Insurance continually hit you with ad campaigns and it can be hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

The method we recommend to compare insurance rates in your area is to know the trick car insurance companies pay for the opportunity to give rate comparisons. The one thing you need to do is give them rating details including your education level, if a SR-22 is needed, if the vehicle is leased, and whether you drive to work or school. The data gets sent immediately to multiple different insurance companies and they return cost estimate almost instantly.

To compare rates for your Acura MDX now, click here and find out if lower rates are available.

Lower rate quotes with these nine discounts

Car insurance is not cheap nor is it fun to buy but you may be missing some discounts that you may not even know about. A few discounts will be applied at the time of purchase, but some must be asked for prior to receiving the credit. If you check and find you aren’t receiving every discount you deserve, you could be saving more on your car insurance.

  • Seat Belts Save – Drivers who require all occupants to buckle up could save 15% on the premium charged for medical payments and/or PIP.
  • Military Deployment Discount – Being deployed in the military could trigger a small discount.
  • Professional Organizations – Being in qualifying employment or professional organizations can get you a small discount on your next car insurance statement.
  • Early Switch Discount – Select insurance companies give a discount for buying a new policy prior to your current policy expiring. You may see this discount when you get car insurance quotes online.
  • Good Students Pay Less – Excelling in school can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Include Life Insurance and Save – If the company offers life insurance, you could get better prices if you take out some life insurance in addition to your auto policy.
  • Driver Training Discounts – Completing a safe driver course may get you a small discount and also improve your driving technique.
  • Bundle and Save – If you can combine your home and auto policy with the same insurance company you could get a discount of over 10 percent off each policy depending on the company.
  • Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes are much safer to drive so you can save 10 percent or more.

Please keep in mind that most discount credits are not given the the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, it’s just not the way it works.

Larger car insurance companies and a summarized list of policyholder discounts are shown below.

  • Progressive includes discounts for continuous coverage, good student, multi-vehicle, online quote discount, multi-policy, and homeowner.
  • Farmers Insurance may include discounts for switch companies, electronic funds transfer, business and professional, mature driver, multi-car, and early shopping.
  • Farm Bureau offers discounts for youthful driver, multi-vehicle, 55 and retired, multi-policy, driver training, renewal discount, and good student.
  • State Farm has savings for passive restraint, defensive driving training, Steer Clear safe driver discount, driver’s education, and safe vehicle.
  • GEICO discounts include emergency military deployment, seat belt use, five-year accident-free, membership and employees, defensive driver, and multi-policy.
  • SAFECO offers premium reductions for anti-theft, bundle discounts, multi-car, anti-lock brakes, drive less, and accident prevention training.
  • Liberty Mutual policyholders can earn discounts including new graduate, good student, new vehicle discount, teen driver discount, and preferred payment discount.

If you need cheap car insurance quotes, ask each company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply in your area. For a list of companies with the best car insurance discounts, follow this link.

What is the best auto insurance coverage?

When choosing adequate coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

  • Am I covered if hit by an uninsured driver?
  • What happens if I owe more than my 2018 Acura MDX is worth?
  • Does car insurance cover theft of personal property?
  • Do I need roadside assistance coverage?
  • Am I covered when delivering products for my home-based business?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered by my spouse’s policy after a separation?
  • How can I get high-risk coverage after a DUI?
  • Should I bundle my homeowners policy with my auto?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverage specifics

Knowing the specifics of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

Collision insurance

This coverage pays for damage to your MDX resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a mailbox, hitting a parking meter, colliding with a tree, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2018 Acura MDX.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills for things like chiropractic care, X-ray expenses, doctor visits and pain medications. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, damage from a tornado or hurricane, hitting a bird, falling objects and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages

Liability coverage can cover damage that occurs to people or other property. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as loss of income, bail bonds and legal defense fees. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

A penny saved is a penny earned

When shopping online for insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

Cost effective 2018 Acura MDX insurance can be found on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers do not offer the ability to get quotes online and usually these smaller companies prefer to sell through independent insurance agencies.

In this article, we presented a lot of tips how to save on 2018 Acura MDX insurance. The key concept to understand is the more quotes you get, the better likelihood of getting cheaper car insurance. Consumers could even find that the best prices are with some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.

Additional insurance information is available below:

Comments About 2018 Acura MDX Insurance

  1. Mafalda Reese

    Just a quick comment on my experience. Went with GEICO for my MDX and saved around $510 a year. It was easy to get rates.

  2. Ellis Strickland

    Corporate greed I’m telling you. Found cheapest coverage with Erie for my 2018 Acura MDX and am saving around $400 a year. Left Sentry to switch. BTW speeding tickets are not good. Can still barely afford it.

  3. Margarette Alvarez

    I’m in the south part of Houston, TX. Can’t remember who all I quoted but I ended up saving about $50 each month.

  4. Bonnie Stevens

    Located in San Diego, CA. Got quotes from GEICO, The General, and Encompass for my MDX and saved $384 a year. Teenage drivers are expensive! I used their online quote form to compare rates.