Cheapest 2002 Acura MDX Insurance Rates in 2023
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Feb 28, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Want cheaper insurance coverage rates for your Acura MDX? Finding and buying car insurance is not a task drivers fancy doing, but it’s required in every state in order to satisfy compulsory insurance requirements.
You should take the time to compare rates yearly because rates trend upward over time. If you had the best deal for MDX coverage two years ago a different company probably has better rates today. You’ll find quite a bit of inaccurate information about insurance coverage online but we’re going to give you some guaranteed methods to buy insurance coverage cheaper.
If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Pricing the lowest cost protection is not that difficult. Nevertheless, vehicle owners must learn how companies price online insurance and use this information to your advantage.
Discounts are available to cut your rates
Companies offering auto insurance do not list every available discount very clearly, so we took the time to find some of the more common as well as the least known savings tricks you should be using.
- Student in College – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
- Life Insurance – Select insurance companies reward you with a break if you buy auto and life insurance together.
- Seat Belt Usage – Requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
- Federal Employees – Simply working for the federal government can earn a discount up to 10% for MDX coverage with select insurance companies.
- Accident Forgiveness – Some insurance companies will forgive one accident without raising rates if you are claim-free for a set time period.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
- Low Mileage Discounts – Fewer annual miles on your Acura could be rewarded with discounted rates on garaged vehicles.
- Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for MDX coverage than their less cautious counterparts.
Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce specific coverage prices like medical payments or collision. So even though it sounds like it’s possible to get free car insurance, insurance companies aren’t that generous.
To see a list of insurers with the best insurance discounts, click this link.
Are car insurance companies telling the truth?
Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. All the companies make the same claim that you’ll save big after switching your policy. But how can every company make almost identical claims? This is how they do it.
Different companies are able to cherry pick for the type of customer that is profitable for them. For example, a profitable customer might be over the age of 40, has no prior claims, and has a short commute. Any new insured that hits that “sweet spot” gets the lowest rates and therefore will cut their rates substantially.
Potential insureds who fall outside the “perfect” profile must pay higher rates and this can result in the customer not buying. The ads say “drivers who switch” but not “drivers who get quotes” save that much money. That’s why companies can truthfully advertise the way they do. This illustrates why you should compare as many rates as you can. It’s not possible to predict which car insurance company will provide you with the cheapest Acura MDX insurance rates.
Free Auto Insurance Comparison
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Everyone needs different coverages
When it comes to buying coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different.
For example, these questions might point out if your insurance needs will benefit from professional help.
- Do I have coverage when making deliveries for my home business?
- Should I buy additional glass protection?
- Should I drop comprehensive coverage on older vehicles?
- How can I get high-risk coverage after a DUI?
- Why is insurance for a teen driver so high?
- Does coverage extend to a rental car in a foreign country?
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form.
Insurance coverage specifics
Knowing the specifics of insurance helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.
This covers damage to your MDX from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like colliding with a tree, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP kick in for immediate expenses such as prosthetic devices, chiropractic care and surgery. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
Liability insurance can cover injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.
Liability can pay for claims such as repair costs for stationary objects, legal defense fees and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2002 Acura MDX.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like hitting a deer, theft, rock chips in glass and damage from flooding. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
More quotes. Lower rates.
Drivers who switch companies do it for a number of reasons such as delays in paying claims, high prices, denial of a claim and even an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.
Low-cost 2002 Acura MDX insurance is definitely available from both online companies as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.
We just presented many ways to compare insurance prices online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may even discover the lowest rates come from a smaller regional carrier.
- Credit and Insurance Scores (Insurance Information Insitute)
- Top Signs Your Brakes are Giving Out (State Farm)
- Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
- How to Avoid Staged Accidents (State Farm)
Frequently Asked Questions
- Find Cheaper Named Operator Policy Car Insurance Rates in 2023
- Will Geico Insure a Car Not in My Name? 2023
- What Is Covered in a Jeep Powertrain Warranty? 2023
- Cheapest Jeep Insurance Rates in 2023
- Do Trucks Cost More to Insure? 2023
- How Long Does a Dui Stay on Your Record? 2023
- Does the Porsche Club of America Offer Car Insurance? 2023
- View All Coverage Questions
Popular Rate Quotes
- Honda Accord Insurance
- Ford Edge Insurance
- Honda Civic Insurance
- Chevrolet Silverado Insurance
- Ford F-150 Insurance
- Toyota Corolla Insurance
- Kia Forte Insurance
- Dodge Ram Insurance
- Honda CR-V Insurance
Compare Rates and Save
Find companies with the cheapest rates in your area