2013 Acura MDX Insurance Quotes – 10 Tips to Save

Finding better rates for insurance coverage is difficult for consumers not familiar with comparison shopping online. Drivers have so many options available that it can quickly become a challenge to locate the lowest price.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. Shopping for more affordable auto insurance is simple if you know the tricks. Nevertheless, vehicle owners do need to understand how companies price online insurance because it can help you find the best coverage.

Don’t miss out on these ten money-saving discounts

Car insurance is not cheap, but you can get discounts that can drop the cost substantially. Certain discounts will be applied when you purchase, but some may not be applied and must be specifically requested before you get the savings.

  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more on MDX coverage than drivers with accidents.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can get savings of 20% or more.
  • Low Mileage – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Federal Employees – Simply working for the federal government may qualify you for a discount on MDX coverage with select insurance companies.
  • Homeowners Pay Less – Owning a house may earn you a small savings because owning a home demonstrates responsibility.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you could get a discount of approximately 10% to 15%.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up prior to your current policy expiration. The savings is around 10%.

It’s important to understand that most credits do not apply the the whole policy. Some only reduce specific coverage prices like medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will reduce your premiums.

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

Double check with each company how you can save money. All car insurance discounts may not be available in every state.

Do I need special coverages?

When it comes to buying the right insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is unique.

For example, these questions might help in determining whether your personal situation will benefit from professional help.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Are there companies who specialize in insuring high-risk drivers?
  • What should my uninsured motorist coverage limits be in my state?
  • Is upholstery damage covered by car insurance?
  • Am I covered when delivering products for my home-based business?
  • When should I buy a commercial auto policy?
  • Am I covered if I crash into my own garage door?
  • Can I rent a car in Mexico?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Car insurance coverage basics

Learning about specific coverages of car insurance can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Acura MDX.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, damage from a tornado or hurricane, damage from flooding and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for liability

This provides protection from injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair costs for stationary objects, attorney fees, legal defense fees and court costs. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Coverage for collisions

This pays for damage to your MDX caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a mailbox, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills such as hospital visits, doctor visits, dental work, ambulance fees and funeral costs. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Better coverage you can count on

We just covered a lot of information how to get a better price on 2013 Acura MDX insurance. The key concept to understand is the more you quote, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the lesser-known companies.

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. There are many occasions where someone dropped physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Affordable insurance is available online and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

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