Best Austin Audi A5 Insurance

Saving money on Audi A5 insurance in Austin might be challenging for drivers new to quoting coverage prices online. With such a large number of agents and online companies available, it can quickly become a lot of work to find the lowest price on Audi A5 insurance.

Statistics show that most car insurance buyers in Texas have been with the same company for well over three years, and practically 40% of car insurance customers have never compared car insurance rates at all. American consumers can cut their rates by roughly 47% a year by just comparing rate quotes, but they underestimate the rate savings if they replace their high priced policy.

Locating the best rates in Austin can be made easier if you know where to look. If you are already insured, you will surely be able to find the best rates using this strategy. But Texas consumers must comprehend how insurance companies sell online.

Best Audi A5 insurance rates in Texas

The companies in the list below are our best choices to provide quotes in Texas. If more than one company is shown, we suggest you get rates from several of them to find the lowest auto insurance rates.

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate information does not factor in specific zip code location which can decrease or increase insurance rates significantly.

Audi A5 insurance rates by gender

The illustration below illustrates the difference between Audi A5 auto insurance costs for male and female drivers. The data assumes no accidents or driving violations, comp and collision included, $250 deductibles, drivers are single, and no discounts are factored in.

How high should deductibles be?

One of the hardest decisions when shopping for auto insurance is how high should the deductibles for physical damage be. The data tables below summarize the differences in price between low and high physical damage coverage deductibles. The first set of prices uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in your specific Austin location which can decrease or increase rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $20 more each month or $240 for a full year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 13 months between claim filings, you would come out ahead if you choose a higher deductible.

Full coverage versus liability only rates

The diagram below illustrates the difference between Audi A5 insurance costs with full coverage compared to only the Texas minimum liability coverage. Data assumes no claims, a clean driving record, $100 deductibles, single female driver, and no discounts are applied.

When to drop comprehensive and collision coverage

There is no clear-cut rule that is best for determining when to drop full coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s say your Audi A5 claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after paying your policy deductible. If you are currently paying more than $500 annually to have full coverage, then you may need to consider dropping full coverage.

There are some circumstances where removing full coverage is not a good idea. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not drop full coverage.

Car insurance quotes and discounts

Companies do not advertise all their discounts very clearly, so we researched both well-publicized and the harder-to-find credits available to bring down your rates.

• Distant Student Discount – Kids who are attending college and do not have a car may be insured at a cheaper rate.
• Employee of Federal Government – Simply working for the federal government may reduce rates when you quote Austin car insurance depending on your company.
• Discounts for Multiple Vehicles – Purchasing coverage when you have several vehicles with the same company can get a discount for every vehicle.
• Smart Student Discounts – Being a good student can save 20 to 25%. You can use this discount normally up until you turn 25.
• Buy New and Save – Insuring a vehicle that is new can be considerably cheaper because new vehicles keep occupants safer.
• E-sign Discounts – A handful of larger companies may give you up to $50 for signing up digitally online.
• Accident Free – Insureds who avoid accidents and claims pay much less compared to bad drivers.

One thing to note about discounts is that some credits don’t apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But any discount should definitely cut the cost of your policy.

A few of the larger companies and some of the discounts are detailed below.

• American Family may include discounts for early bird, mySafetyValet, good student, Steer into Savings, TimeAway discount, bundled insurance, and good driver.
• Nationwide may offer discounts for accident-free, good student, multi-policy, easy pay, and defensive driving.
• MetLife offers discounts for multi-policy, accident-free, good driver, defensive driver, and good student.
• 21st Century may have discounts that include defensive driver, 55 and older, automatic seat belts, anti-lock brakes, and driver training.
• Farmers Insurance discounts include early shopping, switch companies, electronic funds transfer, mature driver, alternative fuel, and business and professional.
• Allstate offers discounts including 55 and retired, economy car, new car, multi-policy, and eSmart discount.

When getting free Austin car insurance quotes, it’s a good idea to every insurance company which discounts can lower your rates. Some discounts listed above might not be offered in your area. To locate car insurance companies that offer some of these discounts in Austin, follow this link.

What Determines Audi A5 Insurance Premiums?

Lots of factors are used in the calculation when premium rates are determined. Some are pretty understandable like an MVR report, although some other factors are less obvious like your vehicle usage or your commute time.

• Little extras can really add up – There are a lot of additional extra coverages that sound like a good idea at the time when buying auto insurance. Coverage for things like rental car reimbursement, death and dismemberment, and membership fees may not be needed and are just wasting money. The coverages may be enticing when you first buy your policy, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Reserve policy claims for larger damages – Companies in Texas generally give discounts to people who do not file claims often. If you are the type of insured that files lots of claims you can look forward to either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
• Higher rates for specific vocations – Careers like real estate brokers, airline pilots, and medical professionals tend to pay higher premiums than the average policyholder attributed to intense work-related stress and extremely grueling work hours. Other professions such as actors, historians and the unemployed receive lower rates.
• Better drivers pay less – Attentive drivers receive lower rates as compared to those with violations. Having a single speeding ticket can increase rates to the point where it’s not affordable. Drivers who get serious violations like DUI or willful reckless driving may be required to submit a SR-22 form with their state motor vehicle department in order to keep their license.
• Low deductibles can be expensive – The deductibles you choose tell how much you are required to pay if you file a covered claim. Insurance for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims would be rearending another vehicle, fire damage, and having a roll-over accident. The more damage repair cost you have to pay, the less money you will pay for auto insurance.
• Pay less if you’re married – Getting married may cut your premiums on your policy. Marriage may mean you are more mature and responsible and insurance companies reward insureds because being married results in fewer claims.
• Location can modify price – Being located in a rural area is a positive aspect when talking about auto insurance. Fewer drivers means less chance of accidents in addition to lower liability claims Drivers in populated Texas areas tend to have more traffic problems and more time behind the wheel. The longer drive time means a statistically higher chance of an accident.
• Insurance loss data for Audi A5 vehicles – Insurers include the past claim trends for vehicles as a way to help calculate a profitable premium price. Models that are shown to have a trend towards higher claim severity or frequency will have higher premium rates. The table below demonstrates the compiled insurance loss statistics for Audi A5 vehicles.

  For each coverage type, the claim probability for all vehicles as a whole is equal to 100. Values that are 100 or less indicate a favorable loss history, while values over 100 indicate a higher chance of having a claim or larger claims.

  Insurance Loss Ratings for Audi A5 Vehicles

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Audi A5 2dr 4WD	196	92	140	73	83	100
  Audi A5 Convertible 4WD	147	73	140	56

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Everyone needs different car insurance coverages

When quoting and comparing coverage online or from an agent for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique so your insurance needs to address that.
Here are some questions about coverages that could help you determine if your insurance needs may require specific advice.

• Do I get a pro-rated refund if I cancel my policy early?
• Am I covered if I back into my garage door?
• Do I have coverage when making deliveries for my home business?
• How much can I save by bundling my policies?
• Is my camper covered for physical damage?
• Does car insurance cover theft of personal property?
• Am I covered while delivering pizza?
• When should I have rental car coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Independent and exclusive car insurance agents

A lot of people would prefer to talk to a local agent and that can be a smart move One of the great benefits of comparing insurance online is that you can find cheap rate quotes and still have an agent to talk to.

To find an agent, once you fill out this simple form, your insurance data is instantly submitted to local insurance agents in Austin that can give you free Austin car insurance quotes for your business. There is no need to drive around since price quotes are sent directly to your email. Get lower rates and a licensed agent to talk to. If you wish to get a rate quote for a specific company, you just need to search and find their rate quote page and give them your coverage information.

Picking the best insurer needs to be determined by more than just a cheap price. You should also get answers to these questions.

• Do they have cheaper tiers of coverage?
• Which company do they place the most coverage with?
• Will your rates increase after a single accident?
• Do they regularly work with personal auto policies in Austin?
• Are they paid to recommend certain coverages?
• Does their agency support local causes in Austin?

If you are wanting to purchase insurance from a reputable agency, it can be helpful to understand the different agency structures and how they work. Insurance agencies in Austin may be either independent agents or exclusive agents.

Exclusive Insurance Agents

These agents have only one company to place business with and examples are State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to give you multiple price quotes so keep that in mind. These agents receive a lot of sales training in insurance sales and that enables them to sell even at higher rates. Consumers sometimes purchase coverage from exclusives partially due to the prominence of the brand instead of buying on price only.

Listed below are exclusive agencies in Austin willing to provide price quote information.

• Allstate Insurance: Cheri Roman
  8103 Brodie Ln Ste 7 – Austin, TX 78745 – (512) 282-9999 – View Map
• Jane McQuiggin-Hutson – State Farm Insurance Agent
  2307 W Parmer Ln – Austin, TX 78727 – (512) 973-8501 – View Map
• J B Ruebsahm – State Farm Insurance Agent
  1901 W William Cannon Dr #131 – Austin, TX 78745 – (512) 444-1845 – View Map

View more agents

Independent Insurance Agents

Agents in the independent channel are normally appointed by many insurers so they can quote policies with many different companies and find you cheaper rates. If your agent finds better pricing, they simply move your policy to a different company and you don’t have to find a new agent.

If you need cheaper insurance rates, we highly recommend that you include price quotes from several independent agencies in order to compare the most rates. Many write coverage with small regional insurance companies who may have lower rates.

Shown below is a short list of independent agencies in Austin that can give you price quotes.

• EZ Insurance Agency – North
  7600 N Lamar Blvd # E – Austin, TX 78752 – (512) 445-2700 – View Map
• Dean Davis Insurance Agency
  7950 Anderson Square Suite 101 – Austin, TX 78757 – (512) 454-4511 – View Map
• Lezam Insurance
  4301 W. William Cannon Dr., Ste. B-120 – Austin, TX 78749 – (512) 263-4333 – View Map

View more agents

After receiving reasonable responses for all questions you ask in addition to an acceptable price estimate, most likely you have located an auto insurance agent that is reliable enough to insure your vehicles.

Don’t be fooled by advertising claims

Big name companies like Allstate, GEICO and Progressive endlessly run ads in print and on television. All the companies say the same thing that you can save just by moving to them. How do they all charge you a lower premium? You have to listen carefully.

Insurance providers give the cheapest rates for a prospective insured that earns them a profit. For instance, a desirable risk may be a mature driver, has had continuous coverage, and drives a safe vehicle. Anybody who matches those parameters will get very good Austin car insurance rates and most likely will save if they switch.

Consumers who do not meet the “perfect” profile will be charged higher premiums which results in business going elsewhere. If you pay close attention to the ads, they say “customers who switch” not “everyone that quotes” save that much when switching. This is how insurance companies can claim big savings. Each company has different criteria, so you absolutely need to compare as many free Austin car insurance quotes as you can. It is impossible to predict which company will provide you with the cheapest Audi A5 insurance in Austin.

Keep this in mind when shopping around

Throughout this article, we presented a lot of ways to lower your Audi A5 insurance car insurance rates in Austin. The key concept to understand is the more times you quote, the better chance you’ll have of finding inexpensive Austin car insurance quotes. You may even find the lowest car insurance rates are with the least-expected company. These smaller insurers may only write in your state and offer lower premium rates than the large multi-state companies such as Progressive and GEICO.

Some insurance providers do not provide online rate quotes and usually these smaller companies provide coverage only through local independent agents. Cheaper auto insurance in Austin can be sourced both online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money.

Much more information about auto insurance in Texas is located below:

• Car Insurance: When not to Skimp (BankRate.com)
• How Much are Car Insurance Rates for a Honda CR-V in Austin? (FAQ)
• Who Has Cheap Car Insurance for a Jeep Wrangler in Austin? (FAQ)
• Who Has Cheap Auto Insurance for a 20 Year Old Male in Austin? (FAQ)
• Who Has Cheap Austin Auto Insurance for Teachers? (FAQ)
• What Insurance is Cheapest for Felons in Austin? (FAQ)
• Insurance Losses by Make and Model (iihs.org)
• Winter Driving (Insurance Information Institute)
• Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)