Cheapest 2002 Acura MDX Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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Want cheaper insurance coverage rates for your Acura MDX? Finding and buying car insurance is not a task drivers fancy doing, but it’s required in every state in order to satisfy compulsory insurance requirements.

You should take the time to compare rates yearly because rates trend upward over time. If you had the best deal for MDX coverage two years ago a different company probably has better rates today. You’ll find quite a bit of inaccurate information about insurance coverage online but we’re going to give you some guaranteed methods to buy insurance coverage cheaper.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Pricing the lowest cost protection is not that difficult. Nevertheless, vehicle owners must learn how companies price online insurance and use this information to your advantage.

Discounts are available to cut your rates

Companies offering auto insurance do not list every available discount very clearly, so we took the time to find some of the more common as well as the least known savings tricks you should be using.

  • Student in College – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Life Insurance – Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% for MDX coverage with select insurance companies.
  • Accident Forgiveness – Some insurance companies will forgive one accident without raising rates if you are claim-free for a set time period.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Low Mileage Discounts – Fewer annual miles on your Acura could be rewarded with discounted rates on garaged vehicles.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for MDX coverage than their less cautious counterparts.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce specific coverage prices like medical payments or collision. So even though it sounds like it’s possible to get free car insurance, insurance companies aren’t that generous.

To see a list of insurers with the best insurance discounts, click this link.

Are car insurance companies telling the truth?

Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. All the companies make the same claim that you’ll save big after switching your policy. But how can every company make almost identical claims? This is how they do it.

Different companies are able to cherry pick for the type of customer that is profitable for them. For example, a profitable customer might be over the age of 40, has no prior claims, and has a short commute. Any new insured that hits that “sweet spot” gets the lowest rates and therefore will cut their rates substantially.

Potential insureds who fall outside the “perfect” profile must pay higher rates and this can result in the customer not buying. The ads say “drivers who switch” but not “drivers who get quotes” save that much money. That’s why companies can truthfully advertise the way they do. This illustrates why you should compare as many rates as you can. It’s not possible to predict which car insurance company will provide you with the cheapest Acura MDX insurance rates.

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Everyone needs different coverages

When it comes to buying coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different.

For example, these questions might point out if your insurance needs will benefit from professional help.

  • Do I have coverage when making deliveries for my home business?
  • Should I buy additional glass protection?
  • Should I drop comprehensive coverage on older vehicles?
  • How can I get high-risk coverage after a DUI?
  • Why is insurance for a teen driver so high?
  • Does coverage extend to a rental car in a foreign country?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form.

Insurance coverage specifics

Knowing the specifics of insurance helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Collision coverage

This covers damage to your MDX from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with a tree, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses such as prosthetic devices, chiropractic care and surgery. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability

Liability insurance can cover injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for claims such as repair costs for stationary objects, legal defense fees and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2002 Acura MDX.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from 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 coverage pays for things like hitting a deer, theft, rock chips in glass and damage from flooding. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

More quotes. Lower rates.

Drivers who switch companies do it for a number of reasons such as delays in paying claims, high prices, denial of a claim and even an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

Low-cost 2002 Acura MDX insurance is definitely available from both online companies as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

We just presented many ways to compare insurance prices online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may even discover the lowest rates come from a smaller regional carrier.

Other resources

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Frequently Asked Questions

What is the purpose of this article?

The purpose of this article is to provide information and tips on finding cheaper insurance coverage rates for a 2002 Acura MDX.

Are there discounts available to reduce insurance rates?

Yes, there are discounts available to help reduce insurance rates. However, it’s important to note that most discounts will only reduce specific coverage prices and not the overall cost of the policy.

How do car insurance companies make claims of saving money?

Car insurance companies make claims of saving money by targeting specific customer profiles that are more profitable for them. These profiles often include factors such as age, claims history, and commute distance. It’s important to compare quotes from multiple companies to find the one that offers the cheapest rates for your specific situation.

Do I need customized coverage for my Acura MDX?

Yes, insurance coverage needs can vary for each individual and vehicle. There is no one-size-fits-all policy. It’s important to consider your specific needs and consult with a licensed insurance agent to determine the right coverages, limits, and deductibles for your Acura MDX.

What are the different types of coverage mentioned in the article?

The article mentions several types of coverage, including collision coverage (covers damage from collisions), med pay and personal injury protection (provides coverage for medical expenses), liability insurance (covers injuries or damage caused to others), uninsured/underinsured motorist coverage (protects against uninsured or underinsured drivers), and comprehensive insurance (covers damage from non-collision events).

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