2001 Acura MDX Insurance Quotes – 9 Ideas for Cheaper Rates

Trying to find the cheapest insurance rates for your Acura MDX? Are you sick and tired of scraping the payment together to insure your Acura every month? You are no different than many other drivers. Since consumers have many companies and agents to choose from, it’s difficult to locate the most cost effective insurer.

This information will familiarize you with how to effectively get price quotes and some tips to save money. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Drivers just need to understand how to get comparison quotes online.

How to Compare Auto Insurance Costs

Lowering your 2001 Acura MDX auto insurance rates isn’t really that difficult. The only requirement is to take the time to compare rate quotes online with multiple companies. This can be done in just a few minutes using one of these methods.

The easiest and least time consuming way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This method eliminates the need for separate quotes for every auto insurance company. A single form will get you rate comparisons from multiple low-cost companies.

A harder way to compare rate quotes is to manually visit each company website and complete a new quote form. For example, let’s assume you want to compare rates from Nationwide, Esurance and Geico. To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same coverage limits for each price quote. If you enter different deductibles then you won’t be able to determine the best price for your Acura MDX.

These nine discounts can slash insurance rates

Car insurance can cost a lot, but companies offer discounts that can drop the cost substantially. Certain discounts will be applied when you get a quote, but some may not be applied and must be manually applied before you will receive the discount. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Multiple Policy Discount – If you have multiple policies with the same company you may earn at least 10% off all policies.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for MDX coverage with select insurance companies.
  • Paperwork-free – Some insurance companies will give a small break for buying your policy on their website.
  • Military Rewards – Having a deployed family member could mean lower rates.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could save 15% off your medical payments premium.
  • Homeowners Savings – Owning a home may trigger a insurance policy discount due to the fact that maintaining a home shows financial diligence.

It’s important to note that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky. But all discounts will reduce the cost of coverage.

Insurance companies that may have these benefits include:

It’s a good idea to ask each insurance company how you can save money. Discounts may not be available in your state.

When might I need the advice of an agent?

When it comes to buying the best insurance coverage coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might point out whether your personal situation will benefit from professional help.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How can I get my company to pay me more for my totalled car?
  • How do I insure my teen driver?
  • Is motorclub coverage worth it?
  • Does my policy cover me when driving someone else’s vehicle?
  • Why do I need rental car insurance?
  • Does my 2001 Acura MDX qualify for pleasure use?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Car insurance myths debunked

Consumers constantly see and hear ads for car insurance savings by State Farm, Allstate and Geico. All the ads have a common claim about savings if you switch to their company.

But how can every company make the same claim?

All companies have a certain “appetite” for the type of driver they prefer to insure. For instance, a preferred risk might be over the age of 40, has no driving citations, and has great credit. A propective insured that hits that “sweet spot” will get the preferred rates and therefore will save when they switch companies.

Consumers who are not a match for this ideal profile will have to pay higher prices which leads to business going elsewhere. The ads say “customers that switch” not “everybody who quotes” save that much money. That is how insurance companies can make those claims.

Because of the profiling, drivers should get a wide range of price quotes. Because you never know which car insurance company will give you the biggest savings on Acura MDX insurance.

Auto insurance coverage information

Understanding the coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Acura MDX.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Collision insurance

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

Collision insurance covers claims such as damaging your car on a curb, hitting a parking meter, crashing into a ditch, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, damage from flooding, damage from getting keyed and hitting a deer. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like funeral costs, surgery, dental work, rehabilitation expenses and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for liability

This can cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

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 liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as loss of income, bail bonds, court costs and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

A fool and his money are soon parted

While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find for the lowest price while still protecting your assets.

Low-cost 2001 Acura MDX insurance is available both online as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies don’t offer online quoting and these small, regional companies work with independent agents.

To learn more, feel free to browse the resources below: