Best Houston Audi A5 Insurance

Paying more affordable rates for Audi A5 insurance in Houston is frustrating for drivers who are beginners to online insurance quotes. With a ridiculous number of insurance companies available, it can be a real challenge to locate the lowest rates.

A recent NerdWallet.com study revealed that the vast majority of consumers kept buying from the same company for a minimum of four years, and just under half have never taken the time to shop around. With the average premium in the United States being $1,847, drivers could save an average of up to 47% each year, but most tend to underestimate the actual amount they would save if they changed companies.

How Your A5 Insurance Prices are Determined

Many things are considered when you get a price on insurance. Some are obvious such as your driving history, but others are more obscure such as whether you are married or how safe your car is. Smart consumers have a good feel for the factors that play a part in calculating your policy premiums. If you understand what determines premiums, this enables informed choices that may result in lower premium levels.

The factors shown below are some of the most rate-impacting factors car insurance companies consider when setting your prices.

How many coverages with the same company – Most major insurance companies provide lower prices for people who buy several policies from them, otherwise known as a multi-policy discount. Even if you already get this discount, drivers will still want to compare Audi A5 rates in Houston to make sure you are getting the best deal.There is a chance you can save more without the discount by buying car insurance from a different company.

Remove unneeded extra policy coverages – There are a ton of additional coverages that may not really be needed if you aren’t diligent. Coverages for rental car reimbursement, death and dismemberment, and additional equipment coverage could be just wasting money. They may seem good initially, but if you’ve never needed them in the past eliminate them to save money.

Better rates with anti-theft devices – Buying a car that has an advanced theft prevention system can save you a little every year. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft and help bring rates down.

Your gender affects premiums – The statistics show women tend to be less risk to insure than men. The data does not necessarily mean that women are BETTER drivers than men. Women and men cause at-fault accidents at about the same rate, but men tend to have higher claims. Men also statistically get higher numbers of serious violations like DUI and reckless driving.

What type of car, truck or SUV do you drive? – The performance level of the car or truck you are insuring makes a significant difference in your premium level. Since the Audi A5 is considered a luxury sports car, insuring your vehicle will cost up to twice as much as compared to the average rate in Houston. Lower cost passenger models usually have the lowest premiums, but other factors influence the final cost greatly.

Driving citations can be expensive – A bad driving record influences premium rates substantially. Having a single ticket can bump up the cost substantially. Attentive drivers get better rates as compared to careless drivers. Drivers unfortunate enough to have serious tickets such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to legally drive a vehicle.

Frequent car insurance claims increase car insurance rates – Companies in Texas award lower rates to people that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can expect increased rates or even have your policy non-renewed. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.

With age comes responsibility – Teen drivers in Texas are known to be inattentive and easily distracted in a vehicle therefore car insurance rates are much higher. Older people tend to be more responsible, cost insurance companies less in claims, and get fewer tickets.

Insurance losses for an Audi A5 – Car insurance companies analyze claim trends for every vehicle when determining insurance prices. Vehicles that are shown to have higher claim amounts or frequency will cost more to insure.

The table shown below demonstrates the historical insurance loss data for Audi A5 vehicles. For each coverage category, the statistical loss for all vehicles, regardless of make, model or trim level, is set at 100. Values that are 100 or less indicate better than average losses, while values that are above 100 show a trend for more claims or tendency to have larger claims.

When shopping for cheaper Houston car insurance quotes, there are a couple of ways of comparing rate quotes from many available insurance companies in Texas. The simplest method to find affordable Audi A5 insurance rates is to use the internet to compare rates. When comparing insurance rates, know that comparing all the rates in your area gives you a better chance of getting the best rates.

The companies shown below provide free quotes in Houston, TX. If multiple companies are listed, it’s highly recommended you get rate quotes from several of them in order to get a fair rate comparison.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in your specific Houston location which can affect premiums noticeably.

Can higher deductibles save money?

One common question asked by Houston drivers is which deductibles should you choose. The data tables below help summarize how much more rates are when you buy lower versus higher coverage deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can influence auto insurance rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $36 more each month or $432 each year than opting for the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you have at least 11 months between claims, you would save more money if you choose the higher deductible.

One important caveat is that a higher deductible results in a higher out-of-pocket expense when you have a claim. That will require some extra savings in the event you need to pay the deductible for vehicle repair.

Rate comparison of men versus women

The information below compares Audi A5 insurance costs for male and female drivers. The data assumes no accidents, no driving violations, comp and collision included, $100 deductibles, drivers are single, and no discounts are factored in.

Tickets and at-fault accidents raise rates

The example below shows how traffic citations and accident claims can raise Audi A5 insurance rates for each different age category. The prices are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

Brand name doesn’t guarantee savings

Respected companies like Allstate, GEICO and Progressive regularly use television and radio advertisements. They all tend to make the same promise of big savings if you just switch your coverage. How can each company lower your prices? This is the trick they use.

Companies require specific criteria for the right customer that will generate a profit. For example, a profitable risk profile may need to be over the age of 40, has no driving citations, and drives a safe vehicle. A customer getting a price quote who matches that profile will most likely get cheap prices and will most likely save a lot on Houston Audi A5 insurance if they switch.

Potential customers who don’t meet this stringent profile will get higher prices which leads to the customer not buying. The ads say “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. This is how insurance companies can make those claims.

Each company has different criteria, so you need to quote coverage with many companies. It is impossible to guess which company will give you the biggest savings.

Three good reasons to insure your A5

Despite the high insurance cost for a Audi A5 in Houston, maintaining insurance may be mandatory for several reasons.

• Most states have mandatory liability insurance requirements which means you are required to carry specific limits of liability in order to be legal. 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 took out a loan on your Audi A5, most lenders will make it mandatory that you have physical damage coverage to guarantee their interest in the vehicle. If you default on your policy, the lender will be forced to insure your Audi for a lot more money and force you to pay much more than you were paying before.
• Insurance protects both your Audi and your assets. Insurance will also pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If damage is caused by hail or an accident, your policy will cover the repair costs.

The benefits of buying auto insurance more than offset the price you pay, especially with large liability claims. The average driver in America is currently overpaying as much as $800 each year so compare rates each time the policy renews to be sure current rates are still competitive.

Get cheaper Audi A5 insurance rates in Houston

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that you may not even know about. Many of these discounts will be applied automatically at quote time, but some discounts are required to be specially asked for prior to getting the savings.

• Good Students Pay Less – Being a good student can save 20 to 25%. The good student discount can last up until you turn 25.
• More Vehicles More Savings – Purchasing coverage when you have multiple vehicles with the same car insurance company can reduce the rates for all insured vehicles.
• Low Mileage – Driving fewer miles could be rewarded with slightly better premium rates than normal.
• Service Members Pay Less – Having an actively deployed family member could be rewarded with lower prices.
• Multi-policy Discount – If you have multiple policies and insure them both with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.
• Multi-line Discount – If the company offers life insurance, you could get a discounted price on car insurance if you buy some life insurance too.
• Driving Data Discount – Insureds who allow their company to study driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they have good driving habits.
• Distant College Student Discount – Children who attend college more than 100 miles from Houston and won’t have access to an insured vehicle may be able to be covered for less.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving can save up to 15% on the premium charged for medical payments and/or PIP.
• ABS Brakes – Vehicles with ABS braking systems or traction control have fewer accidents and qualify for as much as a 10% discount.

You can save money using discounts, but most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, it’s just not the way it works.

A few of the larger companies and a partial list of their discounts are outlined below.

• Progressive may include discounts for continuous coverage, good student, online quote discount, online signing, homeowner, and multi-policy.
• The Hartford has discounts for driver training, anti-theft, good student, vehicle fuel type, defensive driver, and air bag.
• Mercury Insurance policyholders can earn discounts including multi-car, professional/association, ease of repair, location of vehicle, and anti-theft.
• GEICO offers discounts for multi-policy, multi-vehicle, five-year accident-free, emergency military deployment, and good student.
• AAA offers premium reductions for anti-theft, good driver, pay-in-full, good student, multi-car, education and occupation, and multi-policy.
• State Farm may offer discounts for anti-theft, defensive driving training, accident-free, student away at school, driver’s education, and passive restraint.

Before buying, ask each insurance company how many discounts you can get. Savings may not apply to policies in Houston. If you would like to choose from a list of insurance companies that offer the discounts shown above in Houston, click this link.

Exclusive versus independent insurance agents

Some consumers just prefer to have an agent’s advice and that is not a bad decision An additional benefit of comparing insurance online is the fact that you can find lower car insurance rates and still have a local agent. Supporting neighborhood insurance agencies is important especially in Houston.

To make it easy to find an agent, after completing this form (opens in new window), the coverage information is sent to participating agents in Houston who want to provide quotes for your insurance coverage. It makes it easy because there is no need to visit any agencies because quoted prices will be sent directly to your email. Get lower rates and an insurance agent to talk to. If you need to get a comparison quote from a specific company, you can always go to their quote page and submit a quote form there.

If you want a reputable insurance agent or broker, it helps to know the two types of agencies that you can choose from. Houston agents can be described as either independent agents or exclusive agents.

Independent Agents

Independent agents are not limited to a single company and that is an advantage because they can write policies with many different companies and get the cheapest rates. If you are not satisfied with one company, your agent can just switch to a different company and you stay with the same agent.

When comparing rate quotes, it’s a good idea to check rates from at least one independent agent to maximize your price options. Many independent agencies also insure through additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.

Shown below is a short list of independent agents in Houston that may be able to give cheap rate quotes.

• Memorial Insurance Agency, LLC
  13624 Memorial Dr – Houston, TX 77079 – (713) 461-8272 – View Map
• Cornerstone Insurance Agency
  24301 Brazos Town Crossing – Rosenberg, TX 77471 – (979) 553-4343 – View Map
• Craig Insurance Agency
  1020 Bay Area Blvd # 100 – Houston, TX 77058 – (281) 488-2733 – View Map

View more agents

Exclusive Agents

Agents that elect to be exclusive write business for a single company and some examples include Allstate, State Farm and Farmers Insurance. They generally cannot shop your coverage around so it’s a take it or leave it situation. Exclusive agents receive extensive training on sales techniques which aids in selling service over price. Drivers often use the same agent mostly because of the prominence of the brand and solid financial strength.

The following are exclusive insurance agents in Houston willing to provide price quote information.

• Allstate Insurance: Harris County Insurance Agency
  13030 Woodforest Blvd b – Houston, TX 77015 – (713) 451-5716 – View Map
• Armando Valdez – State Farm Insurance Agent
  12941 North Fwy #608 – Houston, TX 77060 – (281) 537-7890 – View Map
• Jim Webb – State Farm Insurance Agent
  8475 Hwy 6 N Ste B – Houston, TX 77095 – (281) 550-2886 – View Map

View more agents

Picking an insurance agent shouldn’t rely on just the premium amount. Below are some questions you should ask.

• Which members of your family are coverage by the policy?
• Are they properly licensed to sell insurance in Texas?
• How long have they been in business?
• Will they give you a referral list?
• What kind of financial rating does the company have?
• Where are claims handled?
• Which insurance companies are they affiliated with?
• Is the quote a firm price?

You are unique and your insurance should be too

When selecting coverage online or from an agent for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different so this has to be addressed.
For example, these questions might point out whether or not you might need professional guidance.

• Does coverage extend to Mexico or Canada?
• Is water damage covered by my policy?
• If I use my vehicle for business use is it covered?
• Can good grades get a discount?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• How can I get high-risk coverage after a DUI?
• Does low annual mileage earn a discount?
• Is a driver training discount available?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance savings summarized

When searching for affordable Audi A5 insurance quotes, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Discount Audi A5 insurance in Houston can be bought online and from local insurance agents, and you should be comparing both to have the best selection. Some insurance providers may not offer the ability to get quotes online and usually these regional insurance providers only sell through local independent agencies.

Helpful information

• Get the Right Protection (InsureUonline.org)
• Uninsured Motorist Statistics (Insurance Information Institute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Young Drivers: The High Risk Years Video (iihs.org)