Compare 2002 Acura MDX Insurance Rates

Shoppers have options when shopping for affordable Acura MDX insurance. You can either spend your time contacting agents to compare prices or leverage the internet to get rate quotes. There is a right way and a wrong way to compare insurance rates and we’ll show you the quickest way to compare rates for a Acura and get the lowest possible price.

If you have a policy now or are looking for a new policy, you will benefit by learning to find the best rates and still get good coverage. This article will tell you how car insurance quotes work. Consumers just need to know the most effective way to shop for car insurance on the web.

Parts of the Acura MDX rate equation

Smart consumers have a good feel for the different types of things that help determine the price you pay for insurance. Having a good understanding of what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

The following are some of the factors insurance companies consider when setting rates.

  • How’s your driving record? – Your driving record has a lot to do with how much you pay for insurance. Careful drivers have lower premiums than people who have multiple driving citations. Even a single citation can boost insurance rates forty percent or more. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
  • Where you live – Residing in a rural area is a positive aspect when talking about insurance. Urban drivers have more traffic problems and a longer drive to work. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Being married is a good thing – Getting married can actually save you money on your insurance policy. It usually means you are more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Mature drivers pay less – Older drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations. Teen drivers tend to be more careless behind the wheel and because of this, their insurance rates are much higher.
  • Liability coverage is peace of mind – Liability insurance provides coverage if a court rules you are at fault for damages from an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • Keep rates low by being claim-free – If you file claims often, you can look forward to higher rates. Auto insurance companies generally give lower rates to insureds who do not file claims often. Insurance coverage is intended for larger claims.
  • Drive less and save money – The more you drive in a year’s time the more you will pay for insurance. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars that are left in the garage qualify for better rates compared to those used for work or business. Having the wrong rating on your MDX can result in significantly higher rates. Verify your insurance policy is rated on the correct driver usage.
  • Rates may be lower depending on your job – Careers like real estate brokers, architects and stock brokers tend to pay the highest rates due to high stress and lengthy work days. On the other hand, occupations like scientists, students and the unemployed have the lowest average rates on MDX insurance.

Free Car Insurance Quotes

Finding cheaper 2002 Acura MDX car insurance prices can be relatively painless. Drivers just need to take the time comparing rates provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. Probably the best way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This method eliminates the need for boring form submissions for each company you want a rate for. One simple form will get you price quotes from car insurance companies with the best prices. Just one form and you’re done.
  2. A slightly less efficient method to compare prices consists of visiting each company website and complete a new quote form. For sake of this example, let’s assume you want to compare Allstate, GEICO and American Family. To get each rate you have to visit each site to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  3. The hardest method to get comparison rates is to spend your day driving to insurance agents’ offices. Shopping for car insurance online eliminates the need for an insurance agent unless you want the trained guidance that only a license agent can provide. Drivers can compare online quotes and get advice from an agent in your area. We’ll cover that shortly.

It’s up to you which method you use, but make darn sure you compare exactly the same coverages and limits on every quote you get. If you use different deductibles it’s not possible to make a fair comparison for your Acura MDX.

How much can you save with discounts?

Car insurance companies do not advertise every available discount very well, so we took the time to find both well-publicized and the more hidden insurance savings. If you don’t get every credit available, you’re just leaving money on the table.

  • College Student – Kids in college who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Homeowners Discount – Being a homeowner can help you save on insurance because of the fact that having a home demonstrates responsibility.
  • One Accident Forgiven – Some insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current policy expires. The savings is around 10%.
  • Safety Course Discount – Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.

Keep in mind that many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, it just doesn’t work that way.

To see a list of providers with discount insurance rates, click here to view.

How much car insurance do I need?

When it comes to choosing adequate coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions could help you determine if your insurance needs might need professional guidance.

  • Is my teenager covered with friends in the car?
  • What if I don’t agree with a claim settlement offer?
  • What is the minimum liability in my state?
  • Will I lose any money if I cancel my policy before it expires?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I missing any policy discounts?
  • Is my cargo covered for damage or theft?
  • When should I drop full coverage on my 2002 Acura MDX?
  • What is high-risk coverage and where do I buy it?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Car insurance coverage options for a 2002 Acura MDX

Having a good grasp of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills like rehabilitation expenses, X-ray expenses, chiropractic care and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle 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 a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Liability auto insurance

This coverage protects you from damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like medical services, emergency aid, legal defense fees and loss of income. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a bird, hitting a deer and hail damage. The highest amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

This will pay to fix damage to your MDX from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

More quotes. Lower rates.

Cheap 2002 Acura MDX insurance can be purchased from both online companies and with local insurance agents, so you should compare both to have the best selection. A few companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

Consumers switch companies for any number of reasons including delays in paying claims, questionable increases in premium, not issuing a premium refund or unfair underwriting practices. No matter why you want to switch, choosing a new insurance company is less work than it seems.

Throughout this article, we presented many tips how you can save on insurance. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. You may even find the lowest rates come from a smaller regional carrier.

For more information, feel free to visit the following helpful articles: