Car insurance costs for 2013 Acura MDXs may depend on a driver's age, state, and insurance carrier; opting out of full coverage could reduce expenses.
The Insurance Institute for Highway Safety (IIHS) gives the MDX top marks in safety ratings, which may help drivers save on rates from various providers. Each factor may be assessed differently when making decisions.
Liability Coverage
The Acura MDX is an elite luxury SUV known for its advanced safety features. In fact, the Insurance Institute for Highway Safety gave this Acura SUV high ratings during crash tests conducted by them and other institutes. Because of this rating, the MDX typically enjoys lower car insurance premiums compared to similar midsize luxury SUVs; however, its higher premium may make insuring this particular SUV more costly than insuring regular sedans.
On average, insuring an MDX with standard coverage typically costs approximately $1,468 annually; however, costs can differ depending on a variety of factors including driver age, state of residence, driving record history and credit score.
To ensure you obtain accurate rates, it's advisable to compare quotes from multiple insurance companies. An easy way of doing this is entering your ZIP code and answering some quick questions - then select the policy which best meets your needs and budget.
Liability coverage for an MDX covers repairs or replacement costs related to accidents caused by you, as well as injuries sustained as a result of being involved. Most states mandate liability insurance; standard coverage costs about $372 annually on an MDX.
Additionally to liability car insurance coverage, there are also other types of car insurance policies you can purchase to safeguard the value of your MDX, such as collision and uninsured/underinsured motorist coverage. While prices can differ depending on insurer and policy type, these may be worth the added cost if the financial impact of an accident concerns you.
If you have an excellent driving history and maintain a clean record, low-cost liability coverage should not be an issue for your MDX. However, if violations exist on your record it's wise to shop around and find the most cost effective car insurance rates suited specifically to your vehicle and lifestyle needs as well as considering factors like mileage driven annually as well as state minimum liability requirements when searching for coverage.
As you compare car insurance rates, be sure to also compare the costs for various features offered by each provider. Some providers may provide extra features like roadside assistance or free towing services while some even offer discounts for drivers with excellent credit histories, safe driving records or multiple vehicles.
Collision Coverage
Acura MDX drivers may opt to get collision coverage, which pays out in the event their car is damaged in an accident. Leasing and financing arrangements often require such coverage - its standard cost per year being approximately $372.
Driver age can have a profound effect on the cost of MDX insurance premiums, with younger drivers often paying more. This is likely because young drivers have more accidents than their elder counterparts and this increases the likelihood that an insurer must cover claims payouts from claims filed by these younger drivers.
Driving history can have an incredible effect on the cost of MDX insurance premiums, such as traffic violations or DUIs on your record causing premiums to increase compared with those who maintain an excellent driving history.
Your MDX's make and model will also have an effect on its insurance costs, since various vehicles pose different levels of theft risk - this factor alone could significantly alter premium costs for that specific model.
Searching around for the best MDX insurance deals is one way to save money. Use online comparison tools to see what other companies are charging and find out about any discounts that might apply to you.
AnswerFinancial offers liability only coverage for as little as $36 monthly; other affordable providers include Workmens Mercury MetLife Gainsco and Gainsco. However, these average prices depend on your location driving history and other factors - to obtain more accurate quotes enter your ZIP code below for a more precise quote and find your ideal policy provider!
Comprehensive Coverage
The 2013 Acura MDX is a three-row luxury SUV capable of seating seven. Standard features of this model include leather upholstery; heated front seats; an 8-speaker surround-sound system; satellite radio service and a backup camera - plus remote engine start system and automatic-dimming rearview mirror for convenience. Furthermore, government crash tests have given good ratings to both frontal and side crash protection on this model.
Car insurance rates for an Acura MDX vary considerably by state and insurer. Drivers can save money by limiting comprehensive and collision coverage usage, driving safely, raising their credit score, and taking advantage of discounts available. Unfortunately, no single policy provides optimal rates; therefore it's essential that consumers shop around regularly for the best available policies and rates.
One of the key influences on auto insurance rates for an Acura MDX are factors like its driver's age and gender, type of coverage chosen and deductible amount. Men generally pay more because of their increased risk of accidents or speeding tickets compared with female drivers; its being an SUV also increases this premium rate, given its greater likelihood of involvement in an accident compared to smaller vehicles.
Where a driver lives is also an influential factor. Because insurance is regulated at the state level, rates can differ drastically by region - typically rural areas tend to offer lower premiums than densely populated ones.
Safety features of vehicles can have an enormous impact on rates. A driver with poor crash test ratings could see their premiums increase up to $2,174 annually; fortunately, however, the MDX's crash-test results make finding affordable coverage easy for this vehicle.
To obtain a quote for your MDX, enter its zip code into our free tool above. From there, you'll be able to compare rates from top insurers and select the plan that is perfect for you.
Uninsured/Underinsured Motorist Coverage
Acura MDX car insurance costs can depend on many variables, including its model and trim level, driving history, location and other aspects. As luxury vehicles tend to command higher insurance premiums than more standard models like Honda Civic or BMW 5 Series sedans; models like the NSX or Type S may incur even higher rates due to their high performance features; type of coverage also has an effect - for instance dropping full coverage could save money; bundling home/renters insurance can reduce premium costs further or some companies offer discounts for safe driving or good credit ratings!
Save money when insuring your Acura MDX by opting for liability-only car insurance coverage. Liability policies typically cover damage you cause to other cars and their occupants in an accident; they do not pay for repairs to your own car. Standard liability coverage costs $372 annually for the MDX; additionally, collision coverage may be necessary depending on whether you lease or finance it.
Your age and driving history play an important part in setting auto insurance rates; but mileage driven can have an even larger effect. Drivers who cover less miles often have lower accident risk, leading to reduced premium costs for insurance policies with smaller deductibles - an option you have with Acura MDX insurance as well.
One study discovered that drivers who took the time to research and compare car insurance rates saved an average of $865 each year by doing this research and comparison. Other ways of saving include keeping a clean driving record, bundling policies together and adding safety features like anti-lock brakes or air bags. It is wise to shop regularly as rates can change frequently - online tools allow you to view what rates are available in your area while agents provide more details based on individual situations.