Do you want to learn how to find low-cost Audi A3 insurance in Houston? Cutting costs on Audi A3 insurance in Houston is slightly frustrating for drivers who are beginners to comparing prices online. Since there are so many companies in the marketplace, it can turn into a difficult challenge to find a cheaper company.
A study showed that a large majority of drivers have bought insurance from the same company for over three years, and approximately 40% of consumers have never taken the time to shop around. Drivers in America could save themselves roughly 46.5% a year, but they don’t want to spend time to compare other rate quotes.
Consumers should take time to shop coverage around every six months because insurance prices fluctuate regularly. Despite the fact that you may have had the best deal on Audi A3 insurance in Houston on your last policy you can probably find a lower rate today. Ignore everything you know about insurance because I’m going to let you in on the secrets to one of the quickest ways to reduce your cost while improving coverage.
Car insurance providers offering affordable rate quotes in Texas
The companies shown below can provide quotes in Houston, TX. If more than one company is shown, it’s highly recommended you visit several of them to get the cheapest price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A3 2.0T Premium Package | $182 | $368 | $382 | $22 | $114 | $1,068 | $89 |
| A3 2.0T Premium Plus Package | $336 | $584 | $500 | $30 | $150 | $1,600 | $133 |
| A3 2.0T Quattro | $284 | $580 | $358 | $22 | $108 | $1,352 | $113 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Prices do not factor in your specific Houston location which can alter premiums substantially.
Deductible comparison
The chart below illustrates how your choice of deductibles and can influence Audi A3 insurance rates for different age categories. The rates are based on a single male driver, comp and collision included, and no policy discounts are applied.
Full coverage rates vs. liability-only in Houston
The information below illustrates the comparison of Audi A3 auto insurance costs with full coverage compared to only the Texas minimum liability coverage. The prices are based on a clean driving record, no at-fault accidents, $250 deductibles, married female driver, and no other discounts are factored in.
Should you pay for full coverage or liability only?
There is no specific rule that works best for making the decision to drop physical damage coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Audi A3 replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,000 after you pay the deductible. If premium cost is more than $300 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some scenarios where removing full coverage is not financially feasible. If you still owe money on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not buy liability only.
Decisions You Make Can Impact Your Insurance Premiums
An important part of buying insurance is that you know the factors that help calculate your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that can help you get better auto insurance rates.
- Too many policy claims will drive auto insurance rates up – Companies in Texas award the best rates to insureds who are claim-free. If you tend to file frequent claims, you can look forward to higher rates. Auto insurance is designed for claims that you cannot pay yourself.
- Premiums are affected by your credit rating – A driver’s credit score will be a significant factor in determining your rates. Drivers who have excellent credit tend to be less risk to insure than those with worse credit. If your credit history could use some work, you may save money insuring your Audi A3 by taking the time to improve your credit score.
- Gender and insurance costs – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that males are worse at driving than females. They both are in fender benders at a similar rate, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations such as DWI and reckless driving.
- Being married equates to better costs – Getting married helps lower the price on your policy. It usually means you are more mature than a single person and it’s proven that married drivers get in fewer accidents.
- Rates impacted by vehicle usage – Driving more miles each year the more you will pay for auto insurance. A lot of companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks left parked in the garage qualify for better rates than those used for commuting. An improperly rated A3 is throwing money out the window. Verify your auto insurance policy properly reflects the correct usage.
- Accidents can be expensive – A bad driving record impacts premiums far more than you think. Only having one chargeable violation could increase your next policy renewal to the point where it’s not affordable. Attentive drivers pay less for auto insurance compared to drivers with tickets. Drivers who have received severe tickets like DUI, reckless driving or excessive speeding may be required to complete a SR-22 with their state DMV in order to legally drive a vehicle.
- With age comes lower premiums – Teen drivers in Texas have been known to be inattentive and easily distracted when driving so auto insurance rates are higher. If you’ve ever had to add a beginning driver onto your auto insurance can cause a big jump in price. Older, more experienced drivers are shown to be more cautious, statistically cause fewer accidents, and get fewer tickets.
- Loss statistics for an Audi A3 – Auto insurance companies factor in historical loss data when they set coverage costs for each model. Models that have higher number or severity of losses will be charged more to insure.
The information below illustrates the insurance loss data for Audi A3 vehicles. For each type of coverage, the claim probability for all vehicles, regardless of make or model, is equal to 100. Values that are under 100 suggest a better than average loss history, while values that are 100 or greater indicate more frequent losses or tendency to have higher losses.
Insurance Loss Ratings for Audi A3 Vehicles
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Audi A3 4dr 2WD 152 90 109 85 Audi A3 4dr 4WD 147 73 111 80 Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance discounts are available to get cheap rates
Car insurance companies do not advertise all discounts in a way that’s easy to find, so we researched some of the more common as well as some of the hidden discounts that you can inquire about if you buy Houston auto insurance online.
- Defensive Driver Discount – Successfully completing a defensive driving course can save you 5% or more if your company offers it.
- Senior Discount – Older drivers can possibly qualify for lower premium rates.
- Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
- College Student – Kids living away from Houston attending college and won’t have access to an insured vehicle could get you a discount.
- Auto/Life Discount – Select companies reward you with better premium rates if you take out some life insurance in addition to your auto policy.
- Driver’s Education for Students – Have your child successfully take a driver’s education course if it’s offered in school.
You can save money using discounts, but some credits don’t apply to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.
Some companies who might offer these discounts include:
If you need inexpensive Houston auto insurance quotes, ask every prospective company which discounts you qualify for. Depending on the company, some discounts might not be available to policyholders in Houston. To find insurers that offer the discounts shown above in Texas, click this link.
Are insurance agents used anymore?
Many people still like to talk to a local agent and that can be a great decision One of the great benefits of comparing auto insurance online is that you can obtain lower rates and still have a local agent. Buying from and supporting local agents is important especially in Houston.
To find an agent, once you fill out this simple form, your coverage information is transmitted to agents in your area who can give free rate quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to contact an agency since rate quotes are delivered to your email. It’s the lowest rates and work with a local agent. If you need to compare rates from a particular provider, you just need to find their quoting web page and fill out their quote form.
Picking a insurer should include more criteria than just the premium amount. Below are some questions you should ask.
- Will the quote change when the policy is issued?
- Will you work with the agent or an assistant?
- Which family members are covered?
- Is coverage determined by price?
- When do they do a full risk review?
- Are they properly licensed to sell insurance in Texas?
- Do you qualify for any additional discounts?
- Is the agent CPCU or CIC certified?
Are you falling for claims of savings?
Car insurance companies such as State Farm, GEICO and Progressive continually stream ads on TV and radio. All the companies seem to make the promise that drivers will save a bundle just by switching your coverage. That’s great but how can every company give you a better price on Audi A3 insurance in Houston? It’s all in the words they use.
All companies give the cheapest rates for a prospective insured they prefer to insure. A good example of a profitable insured should be over the age of 50, carries high limits, and drives less than 7,500 miles a year. Someone who fits those characteristics may get the lowest prices in Houston and have a good chance to save when switching.
People who cannot meet these standards may be required to pay a more expensive rate which translates to the customer buying from a different company. Company advertisements say “drivers who switch” but not “everyone who gets a quote” save the amount stated. That’s the way companies can truthfully claim big savings.
Because each company has a different risk profile, drivers should do a rate comparison at every renewal. You cannot predict which car insurance company will have the lowest rates for your situation.
Find affordable rates by comparing often
Drivers leave their current company for a number of reasons such as high prices, delays in responding to claim requests, an unsatisfactory settlement offer and delays in paying claims. Whatever your reason, finding a new company is not as difficult as it may seem.
Some companies may not have price quotes online and many times these regional insurance providers sell through independent agencies. Lower-priced Audi A3 insurance in Houston is definitely available on the web and also from your neighborhood Houston agents, so you should compare both in order to have the best price selection to choose from.
Throughout this article, we presented quite a bit of information on how to find affordable Audi A3 insurance in Houston. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your prices. You may even be surprised to find that the lowest priced insurance comes from some of the lesser-known companies.
To read more, take a look at the following helpful articles:
- Should I Buy a New or Used Car? (Allstate)
- What Insurance is Cheapest for 19 Year Olds in Houston? (FAQ)
- Who Has Cheap Car Insurance Rates for a Toyota Corolla in Houston? (FAQ)
- What Car Insurance is Cheapest for 17 Year Olds in Houston? (FAQ)
- How Much is Car Insurance for Teachers in Houston? (FAQ)
- What Car Insurance is Cheapest for a GMC Sierra in Houston? (FAQ)
- Auto Theft Statistics (Insurance Information Institute)
- Get the Right Protection (InsureUonline.org)
- Preventing Carjacking and Theft (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)