Cheapest 2016 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 6, 2023

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Looking for the cheapest auto insurance rates for your Acura MDX? Finding the cheapest insurance for a new or used Acura MDX can be a lot of work, but you can use these tips to make it easier. There is a better way to compare auto insurance rates and we’ll show you the best way to price shop coverage for a Acura and locate the cheapest rates from local insurance agents and online providers.

Compare Insurance Coverage Costs

Comparing insurance coverage rates can take time and effort if you don’t utilize the most efficient way to do it. You can waste hours driving to local insurance agents in your area, or you could save time and use online quoting to get the quickest rates.

Many companies participate in a marketplace where insurance shoppers send in one quote, and every company can provide price quotes. This prevents consumers from doing quotation requests for each company.

To participate in this free quote system, click here to start a free quote.

The single downside to pricing coverage this way is you can’t choose which providers you want pricing from. If you prefer to choose individual companies to compare, we have a listing of insurance coverage companies in your area. View list of insurance companies.

It’s up to you which method you use, but ensure you are comparing exactly the same coverage limits and deductibles with each company. If you enter different values for each quote you can’t possibly determine the best price for your Acura MDX.

Tailor your coverage to you

When buying coverage, there isn’t really a one size fits all plan. Every situation is different.

Here are some questions about coverages that can aid in determining if your situation could use an agent’s help.

  • Should I sign the liability waiver when renting a car?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered by my spouse’s policy after a separation?
  • What if I owe more than I can insure my car for?
  • What is the minimum liability in my state?
  • Am I better off with higher deductibles on my 2016 Acura MDX?
  • Is my nanny covered when driving my vehicle?
  • Who is covered by my policy?
  • I have a DUI can I still get coverage?
  • Does coverage extend to my business vehicle?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

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Specifics of your auto insurance policy

Understanding the coverages of a auto insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Auto collision coverage

This will pay to fix damage to your MDX resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like hospital visits, ambulance fees, prosthetic devices and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive auto insurance

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, theft and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability

This protects you from damage that occurs to a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like emergency aid, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find the cheapest insurance for a 2016 Acura MDX?

To find the cheapest insurance for a 2016 Acura MDX, there are several steps you can take. Start by comparing quotes from different insurance providers to see which one offers the best rates for your specific vehicle. You can use online comparison tools or contact insurance agents directly. Additionally, consider raising your deductibles or opting for a higher level of coverage, as these factors can affect your premium. It’s also advisable to maintain a clean driving record and inquire about any available discounts or savings programs that the insurance company may offer.

What factors affect the cost of insurance for a 2016 Acura MDX?

Several factors influence the cost of insurance for a 2016 Acura MDX. These include your driving record, age, location, credit score, the level of coverage you choose, and the deductible amount. Additionally, insurance companies consider the vehicle’s make, model, year, safety features, and the likelihood of theft or accidents associated with that particular model. Keep in mind that rates may vary between insurance providers, so it’s always recommended to shop around for the best deal.

Are there any specific safety features on the 2016 Acura MDX that can lower insurance costs?

Yes, certain safety features on the 2016 Acura MDX may help lower insurance costs. The vehicle comes equipped with standard safety features such as anti-lock brakes, stability control, traction control, and multiple airbags. Additionally, it may have optional advanced safety features like forward collision warning, lane departure warning, and adaptive cruise control. Insurance providers often offer discounts for vehicles equipped with these safety features as they can help reduce the risk of accidents and injuries.

Does the Acura MDX’s reputation for reliability affect insurance rates?

While the Acura MDX’s reputation for reliability may not have a direct impact on insurance rates, it can indirectly influence them. Insurance companies generally consider the repair and replacement costs of a vehicle when determining insurance rates. A vehicle known for its reliability may have lower repair costs, which can translate into potentially lower insurance rates. However, it’s important to note that insurance rates are influenced by various other factors as well, such as the vehicle’s safety features, theft rates, and overall claim history.

Can I save money on insurance for a 2016 Acura MDX by taking a defensive driving course?

Yes, taking a defensive driving course can often help you save money on insurance for a 2016 Acura MDX. Many insurance companies offer discounts to drivers who complete an approved defensive driving course. These courses provide valuable knowledge and skills that can make you a safer driver, reducing the risk of accidents. Contact your insurance provider to inquire about available discounts and approved course providers in your area.

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