Cheap 2015 Acura MDX Insurance Quotes 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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Looking for lower insurance coverage rates for your Acura MDX? Feel like you’re a prisoner to high-priced insurance coverage? Say no more because there are many consumers feeling the pinch from expensive insurance coverage.

Big-name insurance companies like Progressive, State Farm and GEICO promote their brand names with TV and radio ads and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this information. Buying car insurance is not that difficult. Nevertheless, consumers must comprehend how big insurance companies price online insurance and use this information to your advantage.

The best way we recommend to get rate comparisons is to know the trick all the major auto insurance companies provide online access to quote your coverage. All you need to do is provide details such as whether the vehicles are used for commuting, if you lease or own, the year, make and model of vehicles, and if your license is active. The rating information gets sent immediately to insurance carriers in your area and they respond with quotes immediately.

If you would like to compare rates now, click here and enter your coverage details.

Save money with these discounts

Auto insurance is neither fun to buy or cheap, but you can get discounts that can drop the cost substantially. Most are applied when you get a quote, but a few need to be asked about prior to getting the savings. If they aren’t giving you every credit available, you could be saving more on your auto insurance.

  • Military Deployment Discount – Having an actively deployed family member could qualify you for better premium rates.
  • Defensive Driver – Successfully completing a defensive driver class may get you a small discount and also improve your driving technique.
  • Switch and Save Discount – A few auto insurance companies offer discounts for buying a policy before your current expiration date. It could save around 10% when you buy auto insurance online.
  • Homeowners Discount – Just being a homeowner may trigger a policy discount on auto insurance because owning a home means you have a higher level of financial diligence.
  • Claim Free – Insureds who avoid accidents and claims can earn big discounts when compared with accident-prone drivers.
  • Discount for Good Grades – Getting good grades could provide a savings of up to 20% or more. Most companies allow this discount up to age 25.
  • Discount for Low Mileage – Fewer annual miles on your Acura can qualify you for cheaper auto insurance rates.
  • College Student – College-age children who live away from home to go to college without a vehicle on campus may be able to be covered for less.
  • ABS Brakes – Vehicles that have anti-lock braking systems can avoid accidents and the ABS can save up to 10%.

Just know that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, you aren’t that lucky.

The best auto insurance companies and a summarized list of policyholder discounts can be found below.

  • American Family policyholders can earn discounts including mySafetyValet, defensive driver, multi-vehicle, bundled insurance, and air bags.
  • Farm Bureau may have discounts that include good student, renewal discount, multi-vehicle, safe driver, youthful driver, and multi-policy.
  • State Farm has savings for multiple autos, driver’s education, good driver, student away at school, Drive Safe & Save, good student, and Steer Clear safe driver discount.
  • Travelers offers discounts for good student, continuous insurance, IntelliDrive, save driver, multi-car, payment discounts, and student away at school.
  • The Hartford offers discounts including bundle, defensive driver, good student, vehicle fuel type, and anti-theft.
  • GEICO includes discounts for seat belt use, good student, driver training, military active duty, air bags, daytime running lights, and membership and employees.
  • Progressive has discounts for online quote discount, multi-vehicle, homeowner, continuous coverage, and good student.

If you want cheaper auto insurance quotes, ask each insurance company to give you their best rates. All car insurance discounts may not be offered in your area. To find insurers with the best discounts, enter your zip code here.

Car insurance can be complex

When buying the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions might point out if your situation would benefit from an agent’s advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Is my 2015 Acura MDX covered for smoke damage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is the ISO rating for a 2015 Acura MDX?
  • Am I getting all the discounts available?
  • How can I get high-risk coverage after a DUI?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Car insurance 101

Understanding the coverages of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on the average car insurance policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Acura MDX.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liability limits.

Collision coverage

Collision coverage covers damage to your MDX caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with another moving vehicle, driving through your garage door, backing into a parked car, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like surgery, prosthetic devices and nursing services. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability auto insurance

This provides protection from damage that occurs to other people or property. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like funeral expenses, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Comprehensive car insurance

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

Comprehensive coverage protects against things such as a broken windshield, damage from flooding, fire damage, theft and hitting a bird. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

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