2015 Acura MDX Car Insurance Cost – 7 Ways to Save

Want the cheapest auto insurance rates for your Acura MDX? Sick and tired of paying out the nose to insure your Acura every month? Your situation is no different than the majority of other car owners. There are many car insurance companies to insure vehicles with, and although it’s a good thing to have a choice, having more insurers makes it harder to find the best rates for your vehicles.

Buying car insurance is easy if you know what you’re doing. If you are insured now or need a new policy, you can use these tips to reduce the price you pay while maintaining coverages. Consumers only need an understanding of the most efficient way to compare prices on the web.

Cut prices on Acura MDX insurance

Companies offering auto insurance don’t list all their discounts in a way that’s easy to find, so here is a list both the well known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off on MDX coverage depending on your company.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Club Memberships – Participating in certain professional organizations could trigger savings when shopping for insurance on MDX coverage.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Discount for New Cars – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Claim Free – Drivers with accident-free driving histories pay less as compared to drivers who are more careless.
  • Student in College – Children who live away from home and do not have a car can be insured at a reduced rate.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, you’re out of luck.

A partial list of companies that possibly offer these benefits include:

Double check with each company how you can save money. Discounts might not apply in your area.

Tailor your coverage to you

When it comes to choosing the best insurance coverage coverage, there really is not a single plan that fits everyone. Every situation is different so this has to be addressed. Here are some questions about coverages that may help you determine if you may require specific advice.

  • Do I need more liability coverage?
  • Should I buy full coverage?
  • I don’t drive much so do I pay less?
  • Do I need roadside assistance coverage?
  • How can I find cheaper teen driver insurance?
  • What is an SR-22 filing?
  • Will I lose any money if I cancel my policy before it expires?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage basics

Knowing the specifics of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on most car insurance policies.

Uninsured or underinsured coverage – This coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Acura MDX.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive protection – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, falling objects, hitting a bird, vandalism and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for chiropractic care, X-ray expenses, funeral costs and surgery. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability – Liability coverage can cover damage that occurs to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like bail bonds, court costs, repair costs for stationary objects, attorney fees and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, colliding with a tree, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

A penny earned…

Cheap 2015 Acura MDX insurance is available both online and with local insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not offer online quoting and most of the time these small, regional companies sell through independent agents.

We covered many tips how you can save on insurance. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Consumers could even find that the best prices are with the smaller companies. They may only write in your state and offer lower rates than the large multi-state companies such as Allstate, Geico and Progressive.

More tips and info about car insurance is located by following these links: