View 2013 Acura MDX Car Insurance Rates

Sick and tired of scraping nickels together to pay your auto insurance bill each month? You are in the same boat as many other drivers.

Due to the increasing number of different company options, it’s nearly impossible to pick a lower cost insurance company.

Low cost car insurance prices

There are a variety of methods to compare car insurance prices but one way is less time-consuming than others. You could waste a few hours talking to local insurance agents in your area, or you can utilize online quoting to quickly compare rates.

Most of the best insurance companies participate in a marketplace that enables customers to only type in their quote data once, and every company provides a quote determined by their information. This saves time by eliminating quote forms to every company.

To compare pricing click here to open in new window.

The only drawback to doing it this way is you cannot specify which companies you want pricing from. If you prefer to choose from a list of companies to receive pricing from, we have assembled a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make darn sure you compare nearly identical quote data for every company. If you use different limits and deductibles on each one it’s not possible to determine which rate is truly the best. Having just a slight variation in insurance coverages could throw off the whole comparison. And when comparison shopping, getting more free quotes helps you find better pricing. Not every company does prices over the internet, so it’s important to compare rates from them, too.

Save a ton with these insurance coverage discounts

Some companies don’t list the complete list of policy discounts in an easy-to-find place, so the following list contains both well-publicized and the harder-to-find discounts you could be receiving when you buy car insurance online.

• No Charge for an Accident – Not really a discount, but some companies like Allstate and Progressive allow you one accident before your rates go up so long as you haven’t had any claims for a set time period.
• Discount for Low Mileage – Low mileage vehicles could earn cheaper rates.
• Telematics Data Discounts – People who choose to allow driving data collection to look at when and where they use their vehicle remotely such as State Farm’s In-Drive could save a few bucks if they have good driving habits.
• Senior Citizen Rates – Drivers that qualify as senior citizens may be able to get a small discount on rates on MDX coverage.
• Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a car insurance quote.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it will make them better drivers and lower rates.
• Organization Discounts – Belonging to a civic or occupational organization could earn you a nice discount when getting a car insurance quote.
• Sign Early and Save – Some companies reward drivers for renewing your policy before your current policy expires. This can save 10% or more.
• Distant Student Discount – Older children who attend college more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
• Pay Upfront and Save – By paying your policy upfront rather than spreading payments over time you could save up to 5%.

Keep in mind that most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think you can get free auto insurance, insurance companies wouldn’t stay in business.

A list of companies and their possible discounts are outlined below.

• 21st Century includes discounts for theft prevention, 55 and older, student driver, automatic seat belts, driver training, homeowners, and anti-lock brakes.
• State Farm has discounts for good student, good driver, anti-theft, multiple autos, multiple policy, student away at school, and safe vehicle.
• AAA discounts include anti-theft, education and occupation, pay-in-full, AAA membership discount, and multi-policy.
• Liberty Mutual may offer discounts for new move discount, multi-policy, exclusive group savings, teen driver discount, newly married, and new graduate.
• Progressive policyholders can earn discounts including continuous coverage, homeowner, online quote discount, online signing, and multi-policy.

Before you buy a policy, ask each company the best way to save money. Some discounts may not apply to policies in every state. If you would like to see a list of companies with significant discounts, click here.

Components of your Acura MDX insurance costs

Many things are considered when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but others are more obscure like your vehicle usage or how safe your car is.

• Your credit rating is important – Credit score is a big factor in calculating your auto insurance rates. If your credit rating is lower than you’d like, you could be paying less to insure your 2013 Acura MDX if you improve your credit rating. Consumers who have good credit tend to file fewer claims than those with lower credit ratings.
• Your spouse saves you money – Being married can get you a discount compared to being single. It generally demonstrates drivers are more mature and insurance companies like that married drivers tend to file fewer claims.
• Cheaper rates with high physical damage deductibles – The deductibles state the amount of money you are required to spend out-of-pocket before a claim is paid by your company. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered would be rearending another vehicle, damage caused by hail, and damage from wind. The more money the insured has to pay upfront, the lower your rates will be on MDX coverage.
• Reserve policy claims for larger damages – If you are the type of insured that files lots of claims don’t be surprised to see higher premiums or even policy non-renewal. Car insurance companies generally give lower rates to people who do not rely on their insurance for small claims. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
• With age comes responsibility – More experienced drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.Beginning drivers tend to be less responsible in a vehicle and because of this, their auto insurance rates are much higher.
• Bundle policies to earn discounts – Most major insurance companies will give discounts to policyholders that have more than one policy such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even with this discount applied, consumers should still compare other insurance prices to help ensure you have the lowest rates. You may still be able to save even more than the discount by insuring with multiple companies.
• Vocation stress can affect rates – Did you know your occupation can influence how much you pay for auto insurance? Occupations like fire fightersairline pilots and miners generally pay the highest rates due to intense work-related stress and long work days. On the flip side, careers like scientists, athletes and performers pay lower than average rates on MDX coverage.
• Can a thief steal your car? – Selecting a car model that has an advanced theft prevention system can save you some money. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft.

Insurance coverage can get complicated

When it comes to choosing the best insurance coverage coverage, there really is not a “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether you might need professional guidance.

• What is medical payments coverage?
• Will my insurance pay for OEM parts?
• Do I really need UM/UIM coverage?
• Do I have coverage when pulling a U-Haul trailer?
• What can I do if my company denied a claim?
• Can my teen driver be rated on a liability-only vehicle?
• Do all my vehicles need collision coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Don’t listen to company ads

Progressive, Allstate and Geico continually stream ads on television and other media. They all make the same claim about saving some big amount if you move your insurance coverage policy to them. How does each company offer drivers better rates? Here is how they do it.

Insurance coverage companies have a certain “appetite” for the type of driver that earns them the highest profit. A good example of this type of driver may be a mature driver, has never had a claim, and has a short commute. Any new insured who fits those characteristics will probably get cheap car insurance rates and will most likely cut their rates substantially.

People who may not quite match these stringent criteria may be required to pay more expensive rates and this results in the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” save that much money. That’s the way companies can state the savings.

Each company has different criteria, so drivers should get car insurance quotes from several different companies. Because you cannot predict which insurance coverage company will provide the lowest car insurance rates.

Information about specific coverages

Understanding the coverages of auto insurance helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types offered by auto insurance companies.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, rock chips in glass, damage from a tornado or hurricane and vandalism. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages

This can cover damage or injury you incur to other’s property or people that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

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. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like court costs, funeral expenses, medical expenses, medical services and structural damage. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for pain medications, rehabilitation expenses, dental work and chiropractic care. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage covers damage to your MDX resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, backing into a parked car, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2013 Acura MDX.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

More comparisons equals lower rates

When shopping online for auto insurance, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped liability coverage limits and discovered at claim time that they should have had better coverage. The goal is to get the best coverage possible for the lowest price.

We covered many ideas to reduce 2013 Acura MDX insurance rates online. The key thing to remember is the more times you quote, the higher your chance of finding cheap car insurance. You may even discover the best rates are with some of the smallest insurance companies. These companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as State Farm and Allstate.

Other information

• Older Drivers FAQ (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• State Car Insurance Guides (Geico)
• Airbag FAQ (iihs.org)