2009 Acura MDX Insurance Rates – 7 Tips to Save

Trying to find cheaper auto insurance rates for your Acura MDX? No one likes having to buy auto insurance, especially when they are paying too much. Since consumers have many online and local companies to choose from, it’s difficult to choose the cheapest insurer.

You need to do rate comparisons at least once a year because insurance rates trend upward over time. Just because you found the lowest rates on MDX coverage a few years ago there is a good chance you can find better rates now. There is a lot of bad advice regarding auto insurance online, so we’re going to give you some great ways to stop overpaying for insurance.

Shopping for affordable coverage is simple if you know the tricks. If you have insurance now or need a new policy, you can learn to find the best rates while maximizing coverage. Consumers only need an understanding of the proper methods to compare price quotes online.

How to reduce 2009 Acura MDX insurance rates

Insurance can cost an arm and a leg, but companies offer discounts to help offset the cost. Certain discounts will be applied when you purchase, but some may not be applied and must be manually applied prior to receiving the credit. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Low Mileage – Fewer annual miles on your Acura can earn a substantially lower rate.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a small decrease in premiums on MDX coverage.
  • One Accident Forgiven – Certain companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • E-sign – Some insurance companies will give a small break for buying a policy and signing up online.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, insurance coverage companies aren’t that generous. But any discount will reduce the cost of coverage.

Companies that possibly offer these benefits may include but are not limited to:

Before buying, ask each insurance company which discounts they offer. Discounts might not be offered in your area.

Don’t listen to company ads

Drivers can’t get away from ads for the lowest price auto insurance from companies such as Allstate, GEICO and Progressive. They all seem to say the same thing of big savings if you change your policy.

How can each company say the same thing?

Different companies can use profiling for the type of driver that makes them money. For example, a profitable customer might be profiled as over the age of 50, has no tickets, and drives newer vehicles. Any new insured that hits that “sweet spot” will qualify for the lowest rates and therefore will save when they switch companies.

Consumers who fall outside the “perfect” profile will have to pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can confidently advertise the way they do.

Because of the profiling, it is so important to get as many quotes as possible. It’s impossible to know the company that will provide you with the cheapest Acura MDX insurance rates.

Tailor your coverage to you

When choosing coverage, there isn’t really a one size fits all plan. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help you determine whether or not you might need an agent’s assistance.

  • Can I rate high risk drivers on liability-only vehicles?
  • What if I don’t agree with a claim settlement offer?
  • Do I need more liability coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I better off with higher deductibles on my 2009 Acura MDX?
  • When would I need rental car insurance?
  • Is pleasure use cheaper than using my 2009 Acura MDX to commute?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage options for an Acura MDX

Understanding the coverages of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like doctor visits, pain medications, dental work and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

UM/UIM Coverage

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability insurance

Liability coverage can cover damage that occurs to people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like funeral expenses, loss of income, emergency aid, court costs and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, vandalism and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

Collision coverage covers damage to your MDX resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Summing up your auto insurance search

Cheaper 2009 Acura MDX insurance is definitely available both online in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. Your focus should be to find the BEST coverage at the best price, not the least amount of coverage.

Even more information is available by following these links: