How long have you put off shopping around for lower-priced car insurance rates in Austin, TX? Austin consumers have many options when looking for the best price on Audi A8 insurance. They can either spend hours calling around to compare prices or utilize the internet to compare rates.
There is a better way to find car insurance online so you’re going to learn the proper way to price shop coverage on a Audi and obtain the lowest price from Austin insurance agents and online providers.
How to get Austin Audi A8 insurance quotes
Many insurance companies like Progressive, GEICO, Allstate and State Farm allow you to get prices directly from their websites. Doing online quotes for Audi A8 insurance in Austin is pretty painless as you simply type in the amount of coverage you want into the quote form. Behind the scenes, the quote system makes automated requests for your driving and credit reports and gives you a price quote based on these factors.
Getting online quotes for Audi A8 insurance in Austin makes it easy to compare insurance prices and it is important to have as many quotes as possible in order to find the best car insurance rates.
In order to find out how much you can save on car insurance, compare rates now from the companies shown below. To compare your current rates, we recommend you copy deductibles and limits just like they are on your policy. This guarantees you will have a price comparison for similar coverage.
The following companies offer comparison quotes in Austin, TX. If multiple companies are shown, it’s highly recommended you get rate quotes from several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $414 | $686 | $500 | $30 | $150 | $1,780 | $148 |
| A8 4.2L Quattro 4-Dr Sedan | $332 | $726 | $514 | $30 | $154 | $1,756 | $146 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium costs do not factor in specific zip code location which can increase or decrease rates substantially.
Impact of careless driving on auto insurance rates
The diagram below highlights how traffic violations and accidents raise Audi A8 annual premium costs for different ages of insureds. The premiums are based on a married male driver, full coverage, $250 deductibles, and no discounts are applied.
Insurance just makes sense
Despite the high cost of buying insurance for a Audi A8 in Austin, buying insurance is required in Texas but it also protects you in many ways.
- Most states have mandatory insurance requirements which means state laws require specific minimum amounts of liability insurance if you don’t want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your A8 with a loan, almost every bank will have a requirement that you carry insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may buy a policy for your Audi at an extremely high rate and require you to pay for the much more expensive policy.
- Insurance safeguards both your assets and your Audi A8. Insurance will pay for most medical and hospital costs that are the result of an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance definitely exceed the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver is wasting up to $700 annually so compare rate quotes at least once a year to ensure rates are competitive.
Take policy discounts and save on Audi A8 insurance in Austin
Insurance can cost an arm and a leg, but you might be missing out on some discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically at the time of purchase, but a few must be manually applied before they will apply.
- Early Switch Discount – Some larger companies provide a discount for renewing your policy early. The savings is around 10%.
- Distant College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from Austin and don’t have a car may qualify for this discount.
- Military Discounts – Having an actively deployed family member may qualify for rate reductions.
- Pay Upfront and Save – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.
- Employee of Federal Government – Active or former government employment could cut as much as 10% off with some auto insurance companies.
- Smart Student Discounts – This discount can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
- Senior Citizen Discount – Drivers over the age of 55 could receive lower premium rates.
We need to note that most discounts do not apply to the entire cost. Most cut individual premiums such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, you’re out of luck.
Companies and a partial list of their discounts are included below.
- Progressive may have discounts that include good student, online quote discount, multi-vehicle, online signing, and continuous coverage.
- SAFECO includes discounts for safe driver, multi-car, teen safety rewards, anti-theft, and homeowner.
- American Family may include discounts for accident-free, good driver, Steer into Savings, multi-vehicle, good student, and mySafetyValet.
- MetLife offers discounts for claim-free, multi-policy, defensive driver, accident-free, and good student.
- GEICO has savings for seat belt use, defensive driver, membership and employees, good student, five-year accident-free, military active duty, and driver training.
- The Hartford offers discounts including driver training, anti-theft, bundle, air bag, good student, defensive driver, and vehicle fuel type.
If you need affordable Audi A8 insurance quotes, ask all companies you are considering which discounts can lower your rates. Some of the earlier mentioned discounts may not be available in every state.
Car insurance agents can help
A small number of people would prefer to get professional advice from a licensed agent and that is recommended in a lot of cases Experienced insurance agents are very good at helping people manage risk and help file insurance claims. The biggest benefit of comparing rate quotes online is that you can find cheap auto insurance quotes but still work with a licensed agent. And providing support for small agencies is still important in Austin.
After completing this short form, your coverage information is transmitted to companies in Austin who can give free rate quotes for your insurance coverage. You won’t even need to do any legwork as quotes are delivered instantly to you. If you wish to compare prices from a specific auto insurance provider, you just need to navigate to their website and give them your coverage information.
How to choose the best auto insurance agent in Austin
If you would like to find a local Austin insurance agent, it can be helpful to understand the types of insurance agents and how they are slightly different. Insurance agencies in Austin can be classified as either independent agents or exclusive agents depending on their employer. Both properly insure your vehicles, but it’s important to know the difference in how they write coverage because it can influence the type of agent you choose.
Independent Agents
Agents of this type do not work for one specific company so they can quote policies with a variety of different insurance companies and find you the best rates. If your agent finds better pricing, they simply switch companies in-house and you won’t have to switch agencies. When comparison shopping, you will definitely want to compare quotes from several independent agencies so that you can do a thorough price comparison. They also have the ability to place coverage with small mutual carriers who may have lower rates.
The following is a list of independent insurance agencies in Austin that may be able to provide cheap rate quotes.
- Nationwide Insurance: James Gary Howe
3720 Far West Blvd #114 – Austin, TX 78731 – (512) 346-7645 – View Map - Greater Austin Insurance Inc
11824 Jollyville Rd # 202 – Austin, TX 78759 – (512) 250-1777 – View Map - Watkins Insurance Group
3834 Spicewood Springs Rd – Austin, TX 78759 – (512) 452-8877 – View Map
Exclusive Auto Insurance Agencies
Exclusive insurance agents can only provide one company’s prices like Farmers Insurance or State Farm. Exclusive agencies are unable to give you multiple price quotes so keep that in mind. Exclusive agencies are usually well trained on their company’s products which helps offset the inability to provide other markets. Some insured continue to use the same exclusive agent primarily because of loyalty to the company rather than having low rates.
The following are Austin exclusive insurance agents that are able to give comparison quotes.
- Stuart Nalewaik – State Farm Insurance Agent
1717 W 6th St #214 – Austin, TX 78703 – (512) 382-6019 – View Map - Herman Askew – State Farm Insurance Agent
13201 Pond Springs Rd #105 – Austin, TX 78729 – (512) 250-5533 – View Map - Bennie Council – State Farm Insurance Agent
6448 US-290 f110 – Austin, TX 78723 – (512) 454-4524 – View Map
Choosing an insurance agency should depend on more than just a cheap price quote. These are valid questions to ask:
- Does the company use OEM repair parts?
- Is the agency involved in supporting local community causes?
- Where would your vehicle be repaired?
- Do the companies they represent have a solid financial rating?
- Are they properly licensed to sell insurance in Texas?
- Will their companies depreciate repairs to your car based on the mileage?
- Is there a Errors and Omissions policy in force?
Which policy gives me the best coverage?
Keep in mind that when it comes to choosing a policy for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.
Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.
- What can I do if my company denied a claim?
- How can I get high-risk coverage after a DUI?
- Is rental equipment covered for theft or damage?
- When should I buy a commercial auto policy?
- Does coverage extend to a rental car in a foreign country?
- Is my camper covered by my car insurance policy?
- What is the difference between comprehensive and collision coverage?
If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and you can get the answers you need.
Frequent quotes can save
Cheap Audi A8 insurance in Austin can be purchased from both online companies and also from your neighborhood Austin agents, so you need to shop Austin car insurance with both so you have a total pricing picture. There are still a few companies who may not offer internet price quotes and these small, regional companies only sell through independent agencies.
In this article, we presented some good ideas how you can reduce Audi A8 insurance prices online in Austin. The key concept to understand is the more quotes you get, the better likelihood of getting low cost Austin car insurance quotes. You may even discover the lowest prices come from some of the lesser-known companies.
Drivers who switch companies do it for any number of reasons including being labeled a high risk driver, extreme rates for teen drivers, policy non-renewal and even poor customer service. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.
For more information, feel free to visit the articles below:
- What is Full Coverage? (Allstate)
- What Auto Insurance is Cheapest for Seniors in Austin? (FAQ)
- Who Has Cheap Auto Insurance for Hybrid Vehicles in Austin? (FAQ)
- Who Has the Cheapest Austin Auto Insurance Quotes for High Mileage Drivers? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Mazda CX-7 in Austin? (FAQ)
- How Much are Auto Insurance Rates for Drivers Over Age 60 in Austin? (FAQ)
- Vehicle Insurance in the U.S. (Wikipedia)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- A Tree Fell on Your Car: Now What? (Allstate)