Car Insurance Rates for an Audi A4 in Austin

Discount Audi A4 insuranceWould you like to save money by finding more affordable Audi A4 insurance in Austin? If you’re new to shopping for Austin auto insurance quotes online, chances are good that you are bewildered thanks to all the different types of insurance providers that all say they have the best rates for Audi A4 insurance in Austin.

Shockingly, 70% of consumers kept their coverage with the same auto insurance company for a minimum of four years, and about 40% of consumers have never compared rate quotes at all. Many drivers in Texas could cut their rates by almost $1,800 a year just by comparing rates, but they underestimate the large savings they would see if they changed companies.

Locating the most cost-effective car insurance policy in Austin is really quite simple as long as you have a good starting point. If you are insured now, you will most likely be able to get lower rates using the tips covered below. Nevertheless, Texas car owners must understand how insurance companies sell insurance online and use it to find better rates.

It’s important to know that making a lot of price comparisons will enable you to find more affordable rates.

The companies shown below are ready to provide price quotes in Texas. If multiple companies are listed, we suggest you compare several of them to get the best price comparison.

Audi A4 Insurance Costs in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $202 $486 $462 $28 $138 $1,316 $110
A4 2.0T Premium Turbo 4-Dr Sedan $318 $718 $430 $26 $128 $1,620 $135
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $210 $400 $366 $22 $110 $1,108 $92
A4 2.0T Quattro Premium Plus Turbo Station Wagon $410 $988 $514 $30 $154 $2,096 $175
A4 2.0T Premium Plus Turbo 4-Dr Sedan $234 $462 $366 $22 $110 $1,194 $100
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $410 $828 $514 $30 $154 $1,936 $161
A4 2.0T Quattro Premium Plus 4-Dr Sedan $178 $360 $366 $22 $110 $1,036 $86
A4 2.0T Quattro Prestige Turbo Station Wagon $318 $694 $430 $26 $128 $1,596 $133
A4 2.0T Quattro Prestige 4-Dr Sedan $232 $450 $358 $22 $108 $1,170 $98
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $356 $760 $496 $30 $148 $1,790 $149
Get Your Own Custom Quote Go

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in zip code location which can decrease or increase auto insurance rates significantly.

Impact of speeding/accidents on auto insurance rates

The diagram below demonstrates how speeding tickets and at-fault collisions raise Audi A4 premium costs for different age categories. The data is based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

Should you raise deductibles?

The diagram below demonstrates how choosing different deductibles and can impact Audi A4 insurance costs for different age groups. Data assumes a single female driver, full coverage, and no discounts are taken into consideration.

Do you need full coverage?

The example below shows the comparison of Audi A4 insurance rates with full coverage and liability only. The information is based on a clean driving record, no claims, $1,000 deductibles, married male driver, and no policy discounts are applied.

Guidelines for dropping full coverage

There is no written rule to delete physical damage coverage, but there is a general school of thought. If the annual cost of having full coverage is more than about 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s say your Audi A4 book value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $2,000 after the deductible is paid. If you are paying in excess of $200 annually for physical damage coverage, then it might be time to buy liability only.

There are a few situations where dropping physical damage coverage is not recommended. If you still have a lienholder on your title, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

Verify you’re getting every discount

Auto insurance is not inexpensive, but you may find discounts to reduce the price significantly. A few discounts will be applied at the time you complete a quote, but some must be inquired about prior to getting the savings.Cheaper auto insurance with discounts

As a disclaimer on discounts, most discounts do not apply to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount should help reduce your policy cost.

To locate providers that offer discounts in Austin, click here.

Are insurance agencies a thing of the past?

A lot of people just want to talk to an insurance agent and there is nothing wrong with that. An additional benefit of comparing insurance online is that drivers can save money and get cheap insurance rates and still have an agent to talk to.

Austin insurance agentsBy using this form (opens in new window), your insurance coverage information is submitted to insurance agents in Austin who will return price quotes for your coverage. You won’t need to drive around as quotes are delivered immediately to your email address. You can find better rates and work with a local agent. If you wish to get a rate quote from a particular provider, feel free to find their quoting web page and complete a quote there.

Selecting a insurer requires you to look at more than just the price. Any agent in Austin should be willing to answer these questions.

Austin auto insurance agents come in two flavors

When searching for a local agent, you need to know there are two types of insurance agents and how they differ in how they quote coverages. Insurance agencies in Austin are categorized either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agencies

Agents in the exclusive channel write business for a single company and some examples include Allstate, State Farm and Farm Bureau. They generally cannot place coverage with different providers so it’s a take it or leave it situation. Exclusive agents are trained well on their products and sales techniques which can be an advantage. A lot of people buy from exclusive agents primarily because of loyalty to the company rather than having the cheapest rates.

The following are Austin exclusive agents willing to provide price quote information.

More insurance agents

Independent Insurance Agents

These agents are not employed by one company so as a result can place your coverage with any number of different companies and find you the best rates. If they find a cheaper price, your policy is moved internally and that require little work on your part.

If you need lower rates, you will definitely want to compare quotes from at least one independent agent to maximize your price options. Most can insure with lesser-known insurance companies which may have better rates.

Listed below are independent insurance agencies in Austin that are able to give rate quotes.

More insurance agents

Your situation helps dictate your coverage

Always remember that when buying adequate coverage, there really is no one-size-fits-all type of policy. Each situation is unique so your insurance needs to address that.Higher deductibles save money
For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Get Cheaper Insurance Costs by Understanding These Factors

Smart consumers have a good feel for the different types of things that play a part in calculating the price you pay for insurance. If you have some idea of what determines premiums, this enables informed choices that can help you get cheaper rates. Many different elements are used when quoting car insurance. A few of the factors are predictable like your driving record, but some are not quite as obvious like where you live or your vehicle rating.

Three good reasons to insure your vehicle

Despite the high cost, paying for car insurance is required by state law in Texas and it also provides benefits you may not be aware of.

The benefits of insuring your A4 outweigh the cost, particularly when you have a large claim. But the average driver in Texas overpays more than $869 every year so you should quote rates at every renewal to help ensure money is not being wasted.

Smart shoppers get results

When shopping online for auto insurance, do not reduce coverage to reduce premium. In many instances, an insured dropped full coverage only to discover later that it was a big mistake. The proper strategy is to buy the best coverage you can find at a price you can afford, but don’t skip important coverages to save money.

Some companies may not provide online price quotes and these smaller providers only sell through independent agents. The cheapest Audi A4 insurance in Austin is available online as well as from insurance agents, so you need to compare both to have the best rate selection.

Much more information about auto insurance in Texas can be found on the following sites: