Best Insurance for an Acura RDX in San Antonio

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Insurance for Acura RDXWould you like to find lower-priced Acura RDX insurance in San Antonio? If you are new to getting San Antonio auto insurance quotes online, most likely you are confused due to the large number of online insurance companies and websites that all promise the best rates for Acura RDX insurance in San Antonio.

It's easy to assume that auto insurance companies don't want customers comparing rates. Drivers who compare rates once a year will probably switch companies because the odds are good of finding lower rate quotes. A recent survey revealed that consumers who routinely compared quotes saved over $72 a month as compared to drivers who don't regularly compare prices.

If finding the lowest price for Acura RDX insurance in San Antonio is why you're reading this, then having some knowledge of how to get free comparison quotes and analyze car insurance can make the process less intimidating.

Acura RDX insurance quotes comparison

When looking for low cost San Antonio auto insurance quotes, there are a couple ways of comparing price quotes from auto insurance companies in your area. The easiest way by far to compare rates is to perform an online rate comparison.

It's important to know that more quotes helps increase your odds of locating the best offered rates. Some smaller insurers do not give online San Antonio RDX insurance quotes, so it's important to also get prices from them, too.

The auto insurance companies shown below are our best choices to provide price comparisons in San Antonio, TX. If the list has multiple companies, it's highly recommended you visit several of them to get the best price comparison.

These six discounts can lower your insurance rates

Some insurance providers don't always advertise every discount in a way that's easy to find, so the next list breaks down both the well known and also the lesser-known discounts that may be available.Cheaper insurance with discounts

  • Responsible Driver Discount - Drivers who don't get into accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
  • Life Insurance - If the company offers life insurance, you could get a lower price if you buy a life insurance policy as well.
  • Good Grades Discount - Excelling in school can earn a discount of 20% or more. The good student discount can last until age 25.
  • Discounts for Federal Employees - Federal government employees could provide a small rate reduction depending on your insurance provider.
  • Drivers Education - Have your child successfully take a driver's education course in school.
  • Membership in Organizations - Being in specific professional or occupational memberships or organizations could earn you a nice discount on your next renewal.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, it just doesn't work that way.

The information below visualizes the comparison of Acura RDX insurance prices with and without discounts being applied to the rates. The premium estimates are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, homeowner, claim-free, and multi-car discounts applied.

Popular insurance companies and a summarized list of policyholder discounts include:

  • Progressive offers discounts for online quote discount, online signing, multi-vehicle, homeowner, and continuous coverage.
  • SAFECO includes discounts for teen safe driver, bundle discounts, drive less, accident prevention training, and safe driver.
  • American Family has savings for TimeAway discount, accident-free, multi-vehicle, early bird, good driver, and air bags.
  • MetLife has discounts for defensive driver, good student, accident-free, multi-policy, good driver, claim-free
  • GEICO policyholders can earn discounts including membership and employees, federal employee, five-year accident-free, seat belt use, anti-theft, and emergency military deployment.
  • The Hartford offers discounts including driver training, good student, defensive driver, anti-theft, vehicle fuel type, bundle, and air bag.

Double check with every prospective company how many discounts you can get. Depending on the company, some discounts may not apply to policies in your area. For a list of providers with discount insurance rates in Texas, click here to view.

Premium rates and analysis

The table shown next showcases a range of prices for Acura RDX models. Learning a little about how auto insurance prices are determined can assist in making smart choices when buying a car insurance policy.

Acura RDX Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $182 $312 $324 $20 $96 $934 $78
RDX AWD $182 $312 $324 $20 $96 $934 $78
RDX Technology Package 2WD $206 $368 $324 $20 $96 $1,014 $85
RDX Technology Package AWD $206 $368 $324 $20 $96 $1,014 $85
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate information does not factor in vehicle location which can lower or raise prices substantially.

Higher deductibles save money

One of the most common insurance questions is how high should your deductibles be. The premium rates below illustrate the costs and benefits when you choose different deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Acura RDX insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $294 $496 $324 $20 $96 $1,255 $105
RDX AWD $294 $496 $324 $20 $96 $1,255 $105
RDX Technology Package 2WD $332 $584 $324 $20 $96 $1,381 $115
RDX Technology Package AWD $332 $584 $324 $20 $96 $1,381 $115
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Acura RDX insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RDX 2WD $182 $312 $324 $20 $96 $934 $78
RDX AWD $182 $312 $324 $20 $96 $934 $78
RDX Technology Package 2WD $206 $368 $324 $20 $96 $1,014 $85
RDX Technology Package AWD $206 $368 $324 $20 $96 $1,014 $85
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in specific zip code location which can influence auto insurance rates considerably.

Based on the figures above, using a $250 deductible costs roughly $28 more each month or $336 annually across all Acura RDX models than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 27 months between claims, you would most likely save money if you elect the higher deductible.

Acura RDX insurance rates by gender

The illustration below visualizes the comparison of Acura RDX insurance premiums for male and female drivers. Data assumes no accidents or driving violations, full coverage, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

Does full coverage make sense?

The illustration below illustrates the difference between Acura RDX yearly insurance costs with and without full coverage. The costs are based on no accidents, no driving violations, $100 deductibles, marital status is single, and no other discounts are factored in.

Should you pay for full coverage or liability only?

There is no exact rule to stop paying for physical damage coverage, but there is a general convention. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let's say your Acura RDX replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $2,000 after paying your policy deductible. If you are paying in excess of $200 annually to have full coverage, then it may be the right time to buy liability only.

There are some scenarios where eliminating full coverage is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.