Finding affordable car insurance is hard for consumers not familiar with shopping for insurance online. People have so many options that it can be a real hassle to find lower rates.
There are several ways to shop for Acura MDX insurance, but one way is more efficient than others. You can waste hours driving to insurance companies in your area, or you could use online quoting to quickly compare rates.
Many of the larger companies participate in an industry program where prospective buyers enter their policy data once, and at least one company can give them a price determined by their information. This saves time by eliminating quotation requests for every insurance company. To enter your information into the quoting system, click here (opens in new window).
One minor caviat to comparing rates this way is buyers cannot specifically choose which insurance companies you want pricing from. So if you prefer to pick specific providers to request quotes from, we put together a list of companies who write insurance in your area. Click here to view list.
It’s your choice how you get your quotes, but ensure you’re using exactly the same deductibles and coverage limits for each price quote. If you enter different deductibles it will be next to impossible to make an equal comparison. Just a small difference in insurance coverages may cause a big price difference. Just keep in mind that more quotes gives you a better chance of getting better pricing.
When buying the best insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique.
For example, these questions might help in determining if your insurance needs would benefit from professional advice.
If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form.
Having a good grasp of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.
Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things like fire damage, theft, a tree branch falling on your vehicle and damage from flooding. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision – Collision insurance pays for damage to your MDX caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as sideswiping another vehicle, hitting a mailbox, colliding with a tree, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Acura MDX.
Since many 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 is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.
Liability insurance – This coverage provides protection from injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability coverage protects against claims such as court costs, emergency aid, funeral expenses, legal defense fees and bail bonds. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.
Medical expense insurance – Med pay and PIP coverage pay for expenses like chiropractic care, prosthetic devices and surgery. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible