2007 Acura MDX Insurance Quotes – 7 Tricks for Cheapest Rates

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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: May 11, 2022

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Saving money on insurance can be nearly impossible for people who are new to comparison shopping online. People have so many options available that it can be a real hassle to locate the lowest price.

The most recommended method to get rate comparisons is to take advantage of the fact most insurance companies pay for the opportunity to provide you with a free rate quote. To begin a comparison, all you need to do is give them rating details including how you use your vehicles, the make and model of your vehicles, if the vehicle is leased, and level of coverage desired. The rating information is instantly provided to many of the top insurers and they return cost estimate instantly to find the best rate.

To compare multiple company rates now, click here and complete the quick form.

Pay less for 2007 Acura MDX insurance

Insurance can be prohibitively expensive, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be manually applied in order for you to get them.

  • Club Memberships – Being a member of certain professional organizations is a good way to get lower rates when buying auto insurance on MDX coverage.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Homeowners Discount – Owning a house may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Low Mileage – Driving fewer miles can earn discounted rates on garaged vehicles.
  • E-sign – Some insurance companies give back up to $50 just for signing your application online.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% on MDX coverage with certain companies.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will bring down your overall premium however.

For a list of insurers with the best auto insurance discounts, click here.

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Tailor your coverage to you

When it comes to buying the best insurance coverage, there is no cookie cutter policy. Each situation is unique.

For instance, these questions can aid in determining whether you might need professional guidance.

  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when driving a rental car?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I make deliveries for my home business?
  • When should I drop full coverage on my 2007 Acura MDX?
  • Do I pay less if my vehicle is kept in my garage?
  • What is no-fault insurance?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Car insurance policy coverages for a 2007 Acura MDX

Knowing the specifics of car insurance can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Auto collision coverage

Collision coverage covers damage to your MDX from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a building, colliding with a tree, backing into a parked car, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, damage from getting keyed, damage from a tornado or hurricane and theft. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance

This coverage provides protection from damages or injuries you inflict on other people or property. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical expenses, structural damage, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like doctor visits, X-ray expenses, rehabilitation expenses, surgery and chiropractic care. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Save your cold hard cash

You just learned a lot of tips how to reduce 2007 Acura MDX insurance prices online. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may even discover the most savings is with a small local company.

People leave their current company for any number of reasons including delays in paying claims, high rates after DUI convictions, not issuing a premium refund or high prices. No matter why you want to switch, finding a new company is not as hard as you think.

Cheaper insurance can be bought on the web and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some companies do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

Additional auto insurance information can be read at these links:

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