Lower Your 2013 Acura MDX Car Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 26, 2024

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Want cheaper insurance rates for your Acura MDX? If shopping for insurance quotes online is new to you, chances are good that you are confused by the sheer number of companies who all claim to have the lowest rates.

Buying car insurance is not that difficult. Essentially everyone who is shopping for insurance coverage will more than likely be able to save money. But vehicle owners can benefit from knowing how the larger insurance companies compete online because it can help you find the best coverage.

The method we recommend to compare rates takes advantage of the fact all the major auto insurance companies participate in online systems to provide you with free rate quotes. All consumers are required to do is provide the companies a bit of rating information such as level of coverage desired, marital status, what your job is, and driver ages. That rating data is submitted instantly to multiple different insurance companies and you will get price comparisons instantly to find the best rate.

To check rates for your Acura MDX now, click here and enter your zip code.

Do drivers who switch really save?

Popular insurance coverage providers such as Allstate and Progressive endlessly run television and radio advertisements. They all seem to try to convey promises of big savings if you get a free insurance quote and switch to them. It sounds good, but how can they all sell you cheaper insurance coverage?

Many companies have specific characteristics for the type of driver that will be a good risk. For example, this type of insured could be between the ages of 40 and 55, has no tickets, and has a short commute. Someone who fits those characteristics receives the best premium rates and is almost guaranteed to save if they switch.

People who cannot meet these standards will probably be forced to pay more expensive rates and this can result in the driver buying from a lower-cost company. Company advertisements say “drivers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s why companies can claim big savings. This illustrates why you really should compare free insurance quotes often. Because without a comparison, you cannot know which insurance coverage company will have better car insurance rates than you’re paying now.

Smart consumers can cut insurance costs

Lots of factors are part of the calculation when you get a price on insurance. Most are fairly basic such as traffic violations, although others are not quite as obvious like your vehicle usage or how safe your car is.

Listed below are some of the most common factors used by companies to determine your premiums.

  • Multiple policies with one company – Most insurance companies afford better rates for people who have multiple policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount drivers will still want to get quotes from other companies to verify if the discount is saving money. There is a chance you can save even more by splitting coverages up.
  • Alarm systems lowers insurance rates – Buying a car that has a built-in theft deterrent system can get you a discount on your insurance. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft and help bring rates down.
  • Don’t let your policy lapse – Driving with no insurance can get you a ticket and companies may charge more for letting your insurance coverage expire. In addition to paying higher rates, the inability to provide proof of insurance may earn you fines and jail time.
  • Gender as a rate factor – The statistics show that females take fewer risks when driving. Now that doesn’t mean females are better at driving than males. Females and males have fender benders in similar percentages, but the men have accidents that have higher claims. Men also tend to have more aggressive citations like DWI (DUI) or reckless driving. Young males are most likely to cause an accident so they pay the highest premiums.
  • Small coverages can add up – There are many extra add-on coverages that can add up when buying insurance. Coverage for things like personal injury protection, accident forgiveness, and extra life insurance coverage may be wasting your money. They may seem good at first, but if they’re wasting money consider taking them off your policy.
  • Liability protection is cheap – Your insurance policy’s liability coverage will afford coverage if you are ruled to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides you with a defense in court up to the limits shown on your policy. This coverage is relatively inexpensive compared to physical damage coverage, so buy as much as you can afford.

Verify you’re getting every discount

Companies that sell car insurance do not advertise all discounts very clearly, so the list below contains both the well known as well as the least known credits available to bring down your rates.

  • Payment Discounts – By paying your policy upfront rather than paying in monthly installments you may have a lower total premium amount.
  • Drivers Education – It’s a good idea to have your young drivers enroll in driver’s education in school or through a local driver safety program.
  • Drive Safe and Save – Drivers who don’t get into accidents can save up to 40% or more on their insurance quote on MDX coverage than drivers with accident claims.
  • Senior Citizen Discount – Seniors are able to get a small decrease in premiums on MDX coverage.
  • Waiver for an Accident – but companies like Libery Mutual, GEICO and Allstate will forgive one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Discount for Good Grades – Excelling in school can earn a discount of 20% or more. The discount lasts until age 25.
  • No Claim Discounts – Insureds with no claims or accidents pay less as opposed to drivers who are more careless.
  • Telematics Data Discounts – Insureds who allow driving data collection to study their driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if their driving habits are good.
  • Military Deployment Discount – Being deployed with a military unit may lower your prices slightly.
  • Braking Control Discount – Cars and trucks equipped with ABS or steering control prevent accidents and the ABS can save up to 10%.

As a footnote on discounts, some credits don’t apply to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, it’s just not the way it works.

If you would like to view insurers that offer multiple discounts, enter your zip code here.

When should I discuss my situation with an agent?

When buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions can aid in determining if you may require specific advice.

  • Does coverage extend to a rental car in a foreign country?
  • Are my friends covered when driving my car?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when delivering products for my home-based business?
  • Am I insured when driving a different vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I afford low physical damage deductibles?
  • What is PIP insurance?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, fill out your zip code.

Car insurance 101

Having a good grasp of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from 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 pays for claims like theft, a tree branch falling on your vehicle and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, driving through your garage door, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Liability coverage – This coverage will cover damage that occurs to a person or their property by causing an accident. This coverage 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 for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as bail bonds, legal defense fees, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for nursing services, X-ray expenses and hospital visits. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

One last thing about your coverage

People switch companies for a variety of reasons including policy non-renewal, lack of trust in their agent, high prices or policy cancellation. It doesn’t matter what your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

More affordable auto insurance can be purchased from both online companies in addition to many insurance agents, so you need to shop insurance with both to have the best selection. Some insurance companies may not have online price quotes and most of the time these regional carriers work with independent insurance agencies.

When buying insurance coverage, don’t be tempted to skimp on coverage in order to save money. In many instances, an insured cut liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage at the lowest possible cost but still have enough coverage for asset protection.

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