2003 Acura MDX Insurance Rates – 5 Tips to Save

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Feb 28, 2020

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Finding lower rates for insurance coverage can seem to be nearly impossible for beginners to comparing rates online. You have so many choices that it can quickly become a lot of work to find the best price.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. Pricing cheaper auto insurance is quite easy. Although consumers need to have an understanding of how big insurance companies determine prices and use this information to your advantage.

The quickest method to compare policy rates utilizes the fact most insurance companies participate in a system to give you rate quotes. To start a quote, the only thing you need to do is provide a little information including the make and model of your vehicles, types of safety features, your general credit rating, and whether or not you need a SR-22. Your information is instantly submitted to many different companies and you get price estimates instantly.

Lower rates by qualifying for these five discounts

Car insurance can cost a lot, buy you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but some must be asked about before you will receive the discount.

  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Auto/Life Discount – Some companies give better rates if you take out a life insurance policy as well.
  • Senior Citizens – If you’re over the age of 55, you may receive reduced rates for MDX insurance.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will reduce your premiums.

To see a list of providers who offer insurance discounts, click this link.

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Car insurance is unique, just like you

When it comes to buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • Should I rate my 2003 Acura MDX as pleasure use or commute?
  • Do I need motorclub coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Should I get collision insurance on every vehicle?
  • Does insurance cover damages from a DUI accident?
  • What if I don’t agree with a claim settlement offer?
  • Am I getting all the discounts available?
  • How do I insure my teen driver?
  • Am I covered if my car is in a flood?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Insurance policy specifics

Learning about specific coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, sideswiping another vehicle, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, damage from a tornado or hurricane and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Acura MDX.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Auto liability

Liability insurance can cover injuries or damage you cause to other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as funeral expenses, structural damage, medical services, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Med pay and PIP coverage kick in for bills like surgery, EMT expenses, X-ray expenses, pain medications and dental work. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Best coverage at the best price

We covered a lot of tips how to lower your 2003 Acura MDX insurance rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising.

Affordable insurance is definitely available online as well as from independent agentsinsurance , so you should compare both in order to have the best chance of saving money. Some insurance coverage companies don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

Consumers change insurance companies for any number of reasons including high prices, policy non-renewal, delays in responding to claim requests or delays in paying claims. Whatever your reason, finding a new company is actually quite simple.

To read more, link through to the articles below:

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