2023 Acura MDX Car Insurance Quotes in 2024 – 5 Ways to Save

Have you finally had enough of scraping the payment together to make your car insurance payment? Your situation is no different than many other drivers.

Big companies like Allstate and Progressive constantly blast consumers with ad campaigns and it is difficult to see past the geckos and flying pigs and take the time to shop coverage around.

It’s important to do rate comparisons once or twice a year since insurance prices are variable and change quite frequently. If you had the lowest price for MDX coverage six months ago you can probably find a better rate now. Forget all the misinformation about car insurance because you’re about to find out the proper way to buy cheaper car insurance.

Five discounts for lower-cost auto insurance rates

Companies don’t necessarily list all their discounts in an easy-to-find place, so we researched both well-publicized as well as some of the hidden discounts that you may qualify for.

• Mature Driver Discount – Drivers that qualify as senior citizens may receive reduced rates for MDX coverage.
• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20 to 30 percent.
• Smart Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. Most companies allow this discount up to age 25.
• Discount for Life Insurance – Companies who offer life insurance give a lower price if you buy life insurance from them.
• Theft Deterrent Discount – Cars with anti-theft systems are stolen less frequently and will save you 10% or more.

Don’t be shocked that most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as medical payments or collision. Despite the fact that it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.

To see a list of insurers with discount rates, enter your zip code here.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique so your insurance should reflect that For example, these questions can help discover whether or not you might need professional guidance.

• Do I really need UM/UIM coverage?
• Does my personal policy cover me when driving out-of-state?
• Does my insurance cover a custom paint job?
• Does my car insurance cover rental cars?
• What is high-risk coverage and where do I buy it?
• Am I better off with higher deductibles on my 2023 Acura MDX?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and enter your zip code.

Specifics of your car insurance policy

Knowing the specifics of your car insurance policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages found on most car insurance policies.

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

Collision insurance covers things such as hitting a parking meter, backing into a parked car, hitting a mailbox, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability coverage – Liability insurance will cover injuries or damage you cause to people or other property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as medical expenses, repair bills for other people’s vehicles, loss of income and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Acura MDX.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, rock chips in glass and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses such as prosthetic devices, hospital visits, nursing services, pain medications and chiropractic care. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Save your cold hard cash

In this article, we covered many ideas to compare 2023 Acura MDX insurance prices online. The key thing to remember is the more you quote car insurance, the higher your chance of finding cheap car insurance. Drivers may discover the lowest prices come from an unexpected company. They may only write in your state and offer lower rates than the large multi-state companies such as GEICO and State Farm.

While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an insured cut physical damage coverage and learned later that the small savings ended up costing them much more. Your objective should be to purchase a proper amount of coverage at an affordable rate, but do not sacrifice coverage to save money.