Discount Acura RDX insuranceAre you tired of trying to find more affordable Acura RDX insurance in San Antonio? Did you fall for a flashy sales pitch and buy high-priced Acura RDX insurance in San Antonio? Trust us when we tell you you are not the only one feeling buyer's remorse.

A recent insurance study discovered that nearly 70% of customers have been with the same company for four years or more, and approximately 38% of consumers have never compared rate quotes at all. The average driver in Texas can save hundreds of dollars each year just by getting comparison quotes, but most undervalue the big savings they would realize if they swap their current policy for a cheaper one. Consumers have so many insurance companies to pick from, and although it's nice to be able to choose, more options can take longer to compare rates and find the lowest cost insurance.

It is always a good idea to get comparison quotes occasionally because insurance rates change quite often. Despite the fact that you may have had the best premium rates on Acura RDX insurance in San Antonio on your last policy there is a good chance you can find better prices now. Forget anything you know (or think you know) about insurance because it's time to teach you how to use online quotes to properly buy coverages and cut your premium.

Why Informed Drivers Pay Less for Acura RDX Insurance

Many different elements are used when you quote your car insurance policy. A few of the factors are predictable like an MVR report, but other criteria are not quite as obvious like where you live or your financial responsibility. Smart consumers have a good feel for some of the things that play a part in calculating the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to big savings.

Do you know your coverage deductibles? - Insurance for physical damage to your car, aka comp and collision, covers damage that occurs to your Acura. Examples of some claims that would be covered are a broken side mirror, hail damage, and rolling your vehicle. Deductibles for physical damage represent how much money you are willing to pay if you file a covered claim. The larger the amount you choose to pay out-of-pocket, the less your car insurance will be.

Poor driving habits leads to higher costs - Being a careful driver can have a huge impact on auto insurance premiums. Getting just one speeding ticket can bump up the cost substantially. Attentive drivers have lower premiums than people who have multiple driving citations. Drivers who have gotten flagrant citations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with the DMV in their state in order to legally drive.

Get better costs if you're married - Being married may save some money when shopping for car insurance. Marriage generally demonstrates drivers are more mature than a single person and insurance companies like that drivers who are married file infrequent claims.

With age comes lower premiums - Mature drivers are viewed as being more responsible, cost insurance companies less in claims, and are generally more financially stable.Youthful drivers have a tendency to get distracted easily behind the wheel therefore car insurance rates are much higher.

Bundle policies and save - Many insurers will award discounts to policyholders who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it's still a good idea to comparison shop to make sure you are getting the best deal.There is a chance you can save money by buying from different companies

Insurance loss data for Acura RDX vehicles - Insurers factor in historical loss data to determine a rate that will be profitable for them. Vehicles that statistically have a higher amount or frequency of claims will have a higher cost to insure. The next table illustrates the historical loss data for Acura RDX vehicles.

For each policy coverage type, the statistical loss for all vehicles, without regard to make or model, is equal to 100. Values that are under 100 suggest a positive loss record, while values over 100 indicate frequent claims or an increased likelihood of larger losses.

Acura RDX Insurance Claim Statistics

Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Acura RDX 4dr 2WD 64 75 57 67 67 71
Acura RDX 4dr 4WD 68 79 79 68 66 60

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Most major insurance companies provide prices directly from their websites. Comparing Acura RDX insurance rates online is quite simple because you just enter your required coverages as detailed in the form. After you submit the form the company's rating system gets your driving record and credit report and generates pricing information based on the information you submitted. This simplifies rate comparisons, and it's very important to have as many quotes as possible in order to find a lower rate.

To find out what other companies charge, compare rates now from the companies shown below. If you currently have coverage, we recommend you input the coverage information as close as possible to your current policy. This helps ensure you will be getting rate comparison quotes using the same coverage and limits.

The companies shown below can provide price comparisons in Texas. If you want cheaper auto insurance in San Antonio, we recommend you visit several of them in order to find the lowest rates.

Acura RDX Insurance Costs in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $364 $728 $438 $26 $130 $1,686 $141
RDX AWD $268 $456 $334 $20 $100 $1,178 $98
RDX Technology Package 2WD $270 $472 $324 $20 $96 $1,182 $99
RDX Technology Package AWD $208 $392 $304 $18 $92 $1,014 $85
Get Your Own Custom Quote Go

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price estimates do not factor in San Antonio location which can influence insurance rates significantly.

Age-based auto insurance rates by gender

The information below shows the comparison of Acura RDX annual premium costs for male and female drivers. The premiums assume no tickets, no at-fault accidents, full coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Insurance ads are enticing

Texas drivers can't escape the ads for the lowest price insurance by companies like State Farm, Allstate and GEICO. All the companies have a common claim that you'll save big if you just switch your insurance coverage to their company.

How can each company lower your rates? This is the trick they use.

Insurance companies can use profiling for the type of insured that will add to their bottom line. A good example of a profitable risk profile may be between the ages of 30 and 50, has other policies, and insures a new vehicle. A customer that hits that "sweet spot" will qualify for the lowest prices in San Antonio and therefore will save a lot on San Antonio Acura RDX insurance if they switch.

Insureds who do not fit these criteria will be charged higher premium rates with the end result being the customer buying from a different company. The wording the ads use say "drivers that switch" but not "everyone who gets a quote" can get the lowest rates when switching. That's why companies can truthfully make claims like that.

This really emphasizes why you need to do a quote comparison often. It is just not possible to predict which insurance companies will have the lowest rates for your situation.

Why you need vehicle insurance in Texas

Despite the high cost, insuring your vehicle serves an important purpose.

The benefits of buying insurance definitely exceed the cost, specifically if you ever have a liability claim. Unknowingly, the average driver is overpaying more than $800 each year so it's important to compare rates at least once a year to make sure the price is not too high.

Car insurance policy discounts for Acura RDX insurance in San Antonio

Car insurance companies don't always publicize every discount they offer very well, so the next list breaks down some of the more common in addition to some of the lesser obvious ways to save on car insurance. If they aren't giving you every credit you qualify for, you are just wasting money.Cheaper car insurance with discounts

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most cut individual premiums such as liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.

A few popular companies and a partial list of their discounts are shown below.

If you need low cost San Antonio auto insurance quotes, ask every insurance company the best way to save money. Discounts might not be available to policyholders in your area. To view car insurance companies who offer discounts in San Antonio, click here.

Shop online but buy locally

Some people still prefer to talk to an insurance agent and there is nothing wrong with that. Insurance agents can help you build your policy and help file insurance claims. One of the best bonuses of getting online price quotes is that drivers can save money and get the lowest rates but still work with a licensed agent. Buying from and supporting local agencies is important particularly in San Antonio.

Insurance agency in San AntonioAfter completing this form (opens in new window), your insurance data is sent to companies in San Antonio who will gladly provide quotes for your coverage. It makes it easy because there is no need to do any legwork because quoted prices will be sent instantly to you. If you wish to get a price quote from one company in particular, feel free to jump over to their website and complete a quote there.

What type of San Antonio car insurance agent is right for you?

If you are searching for a local insurance agency, there are two types of agencies and how they work. Auto insurance agents in San Antonio can be described as either exclusive or independent (non-exclusive). Both sell auto insurance policies, but it's good to learn the difference between them since it can affect the selection process.

Independent Insurance Agents

Agents in the independent channel do not work for one specific company so as a result can place your coverage through lots of different companies and possibly get better coverage at lower prices. If they quote lower rates, an independent agent can move your coverage without you having to go to a different agency.

If you are comparing auto insurance prices, you will want to include at a minimum one independent agency to get the best comparison.

Shown below is a small list of independent insurance agencies in San Antonio who can help you get free price quotes.

Garcia Insurance Agency
1255 SW Military Dr - San Antonio, TX 78221 - (210) 593-8935 - View Map

Mesquite Insurance Agency
501 W Quincy St - San Antonio, TX 78212 - (210) 472-3034 - View Map

1954 SW Military Dr - San Antonio, TX 78221 - (210) 927-2277 - View Map

More insurance agents

Exclusive Insurance Agents

Exclusive agents work for only one company such as Farmers Insurance or State Farm. They usually cannot shop your coverage around so keep that in mind. These agents receive a lot of sales training on their company's products and that allows them to sell at a higher price point.

The following are San Antonio exclusive agents willing to provide comparison quotes.

3103 SE Military Dr #102 - San Antonio, TX 78223 - (210) 333-1030 - View Map

8910 Bandera Rd #110 - San Antonio, TX 78250 - (210) 673-2391 - View Map

11726 Ste 102A, I-35 - San Antonio, TX 78233 - (210) 514-1120 - View Map

More insurance agents

Picking a insurance agency should depend on more than just a low price. The questions below may impact your decision as well.

There's no such thing as the perfect auto insurance policy

When it comes to choosing the right insurance coverage for your personal vehicles, there really isn't a one size fits all plan. Your needs are not the same as everyone else's and your auto insurance should be unique as well.Safe vehicles cost less to insure These are some specific questions could help you determine whether or not you may require specific advice.

If you can't answer these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It's fast, doesn't cost anything and you can get the answers you need.

Get the best coverage at the most affordable price

Affordable Acura RDX insurance in San Antonio is attainable both online and from local insurance agents, so you need to quote San Antonio auto insurance with both in order to have the best chance of saving money. Some companies may not have online price quotes and most of the time these smaller companies only sell coverage through independent insurance agents.

You just read a lot of tips how to reduce Acura RDX insurance auto insurance rates online in San Antonio. The key concept to understand is the more companies you get premium rates for, the higher the chance of saving money. You may even be surprised to find that the lowest priced car insurance comes from a smaller regional carrier. These smaller insurers can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.

Much more information about car insurance in Texas is located on the following sites: