Best Ways to Save on San Antonio Acura ZDX Insurance

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Insurance quote for Acura ZDX in San AntonioHow many times have you said it's time to compare low-cost Acura ZDX insurance in San Antonio? Are you a victim of an overpriced car insurance policy? Say no more because you're not alone.

It's an obvious conclusion that insurance companies want to keep you from comparing rates. People who shop around annually will most likely move their business because there is a good probability of finding lower prices. Remarkably, a study showed that consumers who compared prices regularly saved approximately $3,400 over four years compared to other drivers who never shopped around for better prices.

If finding low prices for car insurance is your ultimate target, learning the best way to shop and compare insurance rates can save time and money.

With so many different company options, it can be hard to choose the right insurer.

Determine discounts on San Antonio insurance

Insurance is easily one of your largest bills, but you might find some hidden discounts that you may not know about. Some discounts apply automatically when you complete an application, but a few must be asked about before being credited.Discount insurance

  • ABS and Traction Control Discounts - Cars and trucks equipped with ABS or steering control can stop better under adverse conditions and earn discounts up to 10%.
  • Seat Belts Save - Using a seat belt and requiring all passengers to fasten their seat belts can save a little on medical payment and PIP coverage.
  • Save over 55 - If you qualify as a senior citizen, you may qualify for a small discount on rates.
  • Bundled Policy Discount - When you combine your auto and home insurance and place coverage with the same company you may earn at least 10% off all policies.
  • Paperwork-free - Some companies give back up to $50 for completing your application on your computer.
  • More Vehicles More Savings - Buying coverage for multiple vehicles with one company can reduce rates for all insured vehicles.
  • Driver Education Discount - Have your child complete a driver education course in school or through a local driver safety program.
  • Fewer Miles Equal More Savings - Driving less could be rewarded with cheaper insurance rates.
  • Membership in Organizations - Joining a civic or occupational organization in San Antonio could earn you a nice discount on your next renewal.
  • Waiver for an Accident - Not necessarily a discount, but certain companies will turn a blind eye to one accident before they charge you more for coverage if you are claim-free for a particular time prior to the accident.

You should keep in mind that many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you could get a free insurance policy, insurance companies aren't that generous.

The illustration below compares Acura ZDX annual premium costs with and without discounts applied to the policy premium. The information is based on a male driver, no claims or driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, homeowner, safe-driver, and multi-car discounts applied.

Auto insurance companies who might offer many of the previously listed discounts include:

Double check with every prospective company which discounts can lower your rates. Some discounts might not be available to policyholders in San Antonio. To see insurers who offer online Acura ZDX insurance quotes in San Antonio, click here.

When quoting auto insurance, remember that comparing more quotes increases your odds of finding the best rates. Some companies don't provide price estimates online, so it's important to compare price estimates from those companies as well.

The companies shown below provide comparison quotes in Texas. If multiple providers are shown, it's highly recommended you visit as many as you can to find the cheapest auto insurance rates.

Detailed insurance information

The table shown below covers a range of insurance prices for Acura ZDX models. Learning as much as possible about how prices are determined is important to be able to make decisions on which coverage to buy.

Acura ZDX Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $390 $788 $400 $24 $120 $1,722 $144
ZDX AWD $390 $788 $400 $24 $120 $1,722 $144
ZDX Advance Package AWD $390 $890 $400 $24 $120 $1,824 $152
Get Your Own Custom Quote Go

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Information does not factor in vehicle garaging location which can decrease or increase prices noticeably.

Auto insurance deductibles

When shopping for auto insurance, a common question is where to set your physical damage deductibles. The tables below sum up the differences in premium rates of buying low and high physical damage coverage deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.

Acura ZDX insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $408 $672 $382 $22 $114 $1,623 $135
ZDX AWD $408 $672 $382 $22 $114 $1,623 $135
ZDX Advance Package AWD $408 $762 $382 $22 $114 $1,713 $143
Get Your Own Custom Quote Go
Acura ZDX insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $252 $424 $382 $22 $114 $1,194 $100
ZDX AWD $252 $424 $382 $22 $114 $1,194 $100
ZDX Advance Package AWD $252 $478 $382 $22 $114 $1,248 $104
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 multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in San Antonio location which can lower or raise premium rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible costs approximately $37 more each month or $444 for a full year across all Acura ZDX models than selecting the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 20 months between claims, you would probably be better off going with the higher deductible.

The information below highlights how deductible choice and can affect Acura ZDX premium costs for each different age group. The costs are based on a single male driver, comp and collision included, and no additional discounts are factored in.

Bad driving habits will cost you more

The diagram below illustrates how violations and at-fault collisions increase Acura ZDX insurance costs for each different age category. The data assumes a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

Males versus Females

The chart below visualizes the comparison of Acura ZDX auto insurance costs for male and female drivers. The premiums are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

Local insurance agents

Some people just want to get professional advice from a licensed agent and that is recommended in a lot of cases One of the best bonuses of getting online price quotes is you may find lower rates and still buy from a local agent.

Insurance agents in San AntonioTo find an agent, once you fill out this short form, your information is emailed to companies in San Antonio who will gladly provide quotes to get your business. You won't even need to leave your house as quotes are delivered to you directly. You can most likely find cheaper rates and a licensed agent to work with. If you need to get a price quote from a specific insurance company, you just need to jump over to their website and fill out the quote form the provide.

Finding a good insurer requires more thought than just a low price. Ask your prospective agent these questions:

  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Will your rates increase after a single accident?
  • Can they provide you with a list of referrals?
  • Are they paid to recommend certain coverages?
  • Do they see any coverage gaps in your plan?
  • What discounts might you be missing?
  • Is auto insurance their primary focus in San Antonio?

If you're trying to find a reliable agent, there are a couple of different types of agencies that you can choose from. Car insurance agencies can be categorized as either independent or exclusive depending on the company they work for.

Exclusive Agencies

Agents that choose to be exclusive normally can only provide a single company's rates and some examples include American Family, State Farm, and AAA. These agents are unable to provide rate quotes from other companies so always compare other rates. Exclusive agents are usually quite knowledgeable on their products and sales techniques which can be an advantage.

Listed below is a short list of exclusive insurance agents in San Antonio that can give you price quotes.


7863 Callaghan Rd #105 - San Antonio, TX 78229 - (210) 616-0662 - View Map


4416 Ramsgate St #101 - San Antonio, TX 78230 - (210) 696-6324 - View Map


825 W Bitters Rd #105 - San Antonio, TX 78216 - (210) 514-1083 - View Map

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Independent Agents

These agents can sell policies from many different companies and that allows them to write policies with multiple insurance companies depending on which coverage is best. If your premiums go up, they can switch companies in-house which is easy for the insured. When comparing car insurance prices, you will want to include at least one independent agent to get the most accurate price comparison.

Shown below is a short list of independent insurance agents in San Antonio who can help you get price quote information.


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

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

Legion Insurance Agency
5309 Wurzbach Rd - San Antonio, TX 78230 - (210) 693-1501 - View Map

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If you feel you receive answers to your satisfaction to your questions as well as an affordable premium quote, chances are good that you have found an insurance agent that will service your policy.

Quote. Compare. Save.

We just showed you quite a bit of information on how to compare Acura ZDX insurance rates in San Antonio. The key thing to remember is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may even be surprised to find that the lowest rates are with some of the lesser-known companies. Regional companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as Progressive and GEICO.

Some insurance companies do not offer online rate quotes and most of the time these small, regional companies sell through independent agents. Lower-priced insurance in San Antonio can be sourced on the web and also from your neighborhood San Antonio agents, and you should compare rates from both to have the best rate selection.

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. Your objective should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Additional insurance information is located below: