Compare 2010 Acura MDX Insurance Quotes

Want cheaper insurance rates for your Acura MDX? No one in their right mind likes having to buy insurance, especially knowing their premiums are too high.

Companies like State Farm, Geico and Farmers Insurance continually bombard you with catchy ads and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

If you have car insurance now, you will most likely be able to cut costs considerably using these techniques. Finding affordable coverage is quite easy. Nevertheless, vehicle owners should learn the way insurance companies price online insurance and take advantage of how the system works.

What determines your Acura MDX insurance premium

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that could result in big savings.

Listed below are some of the factors auto insurance companies consider when setting premiums.

  • What are your deductibles? – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Acura. Some instances where coverage would apply are collision with another vehicle, damage from fire, and burglary. The deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The more you are required to pay out-of-pocket, the less your auto insurance will be for MDX coverage.
  • Protect yourself with liability coverage – The liability section of your policy will protect you when a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
  • Car features impact rates – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • Do you qualify for a multi-policy discount? – Most insurance companies provide better rates to people who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible. You may still be able to find better rates by buying insurance from more than one company.
  • Proper usage rating affects rates – The more miles you rack up on your Acura every year the higher your rate. Most companies apply a rate determined by how the vehicle is used. Cars that are left in the garage receive lower rates than those used for commuting. Verify your auto insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money. If your policy improperly rates your MDX can cost quite a bit.
  • Don’t cancel a policy without a new one in place – Allowing your coverage to lapse is a quick way to trigger a rate increase. Not only will rates go up, failure to provide proof of insurance might get you a license revocation or jail time.

More discounts equal less premium

Car insurance companies don’t necessarily list all available discounts in a way that’s easy to find, so we researched some of the more common and the harder-to-find discounts you could be receiving.

  • Driver Safety – Completing a course in driver safety could cut 5% off your bill if you qualify.
  • Drive Less and Save – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Accident Forgiveness – Certain companies will forgive one accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for MDX coverage than less cautious drivers.

Drivers should understand that most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way.

For a list of providers who offer auto insurance discounts, click here to view.

Slick advertising tricks that work

Insurance providers like Allstate, Geico and Progressive regularly use ads on television and other media. They all have a common claim that you can save if you move to their company. How does each company claim to save you money? It’s all in the numbers.

All the different companies can use profiling for the right customer they prefer to insure. For instance, a desirable insured might be profiled as a mature driver, insures multiple vehicles, and has a high credit rating. A propective insured that hits that “sweet spot” receives the best rates and therefore will save a lot of money.

Potential customers who don’t qualify for these standards must pay higher prices which leads to the customer not buying. The ads say “people who switch” but not “drivers who get quotes” save that much. This is how companies can claim big savings. This illustrates why you should get as many comparisons as possible. You cannot predict which insurance companies will fit your personal profile best.

It’s not one size fits all

When choosing adequate coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions may help highlight whether your personal situation might need professional guidance.

  • Should I have combined single limit or split liability limits?
  • What is the difference between comprehensive and collision coverage?
  • Am I insured when driving a different vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • Can my teen drive my company car?
  • When would I need additional glass coverage?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Insurance coverage breakdown

Understanding the coverages of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages offered by insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, vandalism, hitting a bird, hitting a deer and damage from flooding. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

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

Collision insurance covers claims like colliding with another moving vehicle, hitting a mailbox, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses for prosthetic devices, surgery, rehabilitation expenses and nursing services. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability insurance

Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like pain and suffering, legal defense fees and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2010 Acura MDX.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

A tidy conclusion

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. There have been many situations where an insured cut liability coverage limits and discovered at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage for the lowest price.

In this article, we covered a lot of ways to lower your 2010 Acura MDX insurance rates. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with a smaller regional carrier. They may only write in your state and offer lower rates than the large multi-state companies such as Geico and State Farm.

Additional insurance coverage information is available at the links below