Best Insurance for an Audi Q7 in Lubbock

The easiest way to find low-cost auto insurance rates is to start comparing prices regularly from providers who sell auto insurance in Lubbock.

Step 1: Read and learn about how companies price auto insurance and the modifications you can make to drop your rates. Many rating factors that drive up the price like traffic violations and a negative credit rating can be amended by improving your driving habits or financial responsibility.

Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like Progressive or State Farm, while independent agents can quote prices from multiple sources.

Step 3: Compare the quotes to the premium of your current policy and see if there is a cheaper rate in Lubbock. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Notify your current company of your decision to cancel your current coverage and submit the application along with any required down payment to your new agent or company. Immediately keep your new certificate verifying coverage in your vehicle.

The most important part of shopping around is to compare the same amount of coverage on every quote request and and to get rates from as many car insurance companies as possible. Doing this helps ensure a level playing field and the best price quote selection.

It’s an obvious statement that car insurance companies don’t want policyholders to shop around. Insureds who shop around once a year are likely to buy a different policy because there is a good probability of finding a lower-cost company. A recent insurance study revealed that people who shopped around every year saved as much as $72 a month compared to policyholders who never shopped around for lower prices.

If finding budget-friendly auto insurance in Lubbock is the reason you’re here, then learning about how to quote and compare insurance coverage can save money and time.

When price shopping your coverage, getting more free quotes helps increase your odds of locating the best price. Not every company provides online rate quotes, so it’s recommended that you also compare prices from the smaller companies as well.

The companies in the list below are our best choices to provide free rate quotes in Lubbock, TX. In order to find cheap auto insurance in Texas, we suggest you click on several of them to get the lowest price.

Why you need to buy auto insurance

Even though it’s not necessarily cheap to insure an Audi in Lubbock, buying auto insurance may not be optional for several reasons.

• Most states have compulsory liability insurance requirements which means the state requires specific limits of liability coverage in order to drive the car. 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, most lenders will make it mandatory that you carry insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank will be required to insure your Audi at a much higher premium rate and force you to pay much more than you were paying before.
• Auto insurance protects both your assets and your car. It will also cover medical bills incurred in an accident. Liability coverage will also pay to defend you if you are sued as the result of your driving. If you have damage to your Audi as the result of the weather or an accident, comprehensive and collision coverage will pay to repair the damage.

The benefits of having insurance outweigh the cost, especially for larger claims. Unknowingly, the average driver overpays more than $865 each year so shop around each time the policy renews to be sure current rates are still competitive.

Audi Q7 insurance statistics and information

The rate information shown next covers estimates of insurance rates for Audi Q7 models. Being more informed about how rate quotes are figured can aid in making informed decisions when comparing rates.

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in specific location information which can change premium rates noticeably.

Policy deductibles

One common question asked by Lubbock drivers is what deductibles to buy. The data tables below show the rate fluctuation of buying low and high deductibles. The first data table uses a $250 physical damage coverage deductible and the second price table uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rates do not factor in specific Lubbock garaging location which can change prices noticeably.

Based on the above data, using a $250 deductible costs roughly $20 more each month or $240 annually than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go more than 13 months between claim filings, you would most likely save money if you decide on a higher deductible.

Careless drivers pay higher rates

The example below demonstrates how citations and at-fault fender-benders drive up Audi Q7 insurance costs for different age groups. The information is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

Auto insurance prices based on gender

The example below illustrates the difference between Audi Q7 car insurance rates for male and female drivers. Data assumes no accidents, no driving violations, full coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.

Cheap Lubbock car insurance quotes with discounts

Insuring your vehicles can cost a lot, but companies offer discounts that you may not know about. Some discounts will apply at the time of purchase, but some discounts are required to be asked about in order for you to get them.

• Onboard Data Collection – Insureds who allow driving data submission to track when and where they use their vehicle by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they are good drivers.
• Low Miles Discount – Fewer annual miles on your Audi may allow you to get discounted car insurance rates on garaged vehicles.
• Lubbock Homeowners Discount – Being a homeowner can help you save on car insurance since home ownership means you have a higher level of financial diligence.
• Distant Student – Older children who are attending college and do not take a car to college could qualify for this discount.
• Payment Discounts – If paying your policy premium upfront instead of making monthly payments you may have a lower total premium amount.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out some life insurance in addition to your auto policy.

Don’t be shocked that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, you’re out of luck.

The illustration below shows the comparison of Audi Q7 annual premium costs with and without discounts applied to the premium. The information is based on a male driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, multi-policy, multi-car, and marriage discounts applied.

Some of the larger companies that may offer some of the discounts shown above possibly include:

• Esurance
• The Hartford
• AAA
• GEICO
• State Farm

Double check with each company or agent how many discounts you can get. Some credits may not apply to policyholders in every state.

Local Lubbock insurance agencies

Some consumers would prefer to talk to a local agent and often times that is recommended One of the best bonuses of getting free rate quotes online is you may find cheap auto insurance quotes but also keep your business local.

To make it easy to find an agent, after completing this quick form, the quote information is instantly submitted to participating agents in Lubbock who can give free rate quotes to get your business. You never need to contact any agents because prices are sent instantly to you. Get lower rates without a big time investment. In the event you want to get a rate quote from a specific auto insurance provider, don’t hesitate to visit that company’s website and fill out their quote form.

Selecting an insurance company requires more thought than just the quoted price. The answers to these questions are important, too.

• Is the agent and/or agency licensed to do business in Texas?
• Do you need full coverage on every vehicle?
• Will they take your side in the event of a claim?
• What companies can they write with?
• Do they make recommendations based only on price?
• How much training do they have in personal risk management?
• Can you contact them at any time?

Different types of Lubbock car insurance agents

If you are wanting to find a reliable insurance agent, it’s important to understand the different types of agents and how they operate. Lubbock agents are either independent agents or exclusive agents depending on their employer.

Exclusive Agencies

Agents that elect to be exclusive work for only one company like State Farm, Allstate, and Farm Bureau. They usually cannot provide other company’s prices so they have to upsell other benefits. These agents receive extensive training on their company’s products which helps offset the inability to provide other markets.

The following is a list of exclusive agents in Lubbock who can help you get price quotes.

More Lubbock agents

Independent Agents (or Brokers)

Independent insurance agents do not have single company limitations and that allows them to write policies with an assortment of companies and get the cheapest rates. To move your coverage to a new company, your agent can just switch to a different company and you stay with the same agent.

When comparison shopping, you should always compare prices from multiple independent agents to get the best comparison.

The following is a short list of independent agencies in Lubbock that can give you price quote information.

More Lubbock agents

When in doubt talk to an agent

When selecting the right insurance coverage, there really is no “best” method to buy coverage. Your situation is unique so this has to be addressed.
These are some specific questions could help you determine whether or not you may require specific advice.

• Is upholstery damage covered by car insurance?
• Does my insurance cover a custom paint job?
• Is there coverage for my trailer?
• Who is covered when they drive my Audi Q7?
• What is no-fault insurance?
• When can I cancel my policy?
• Can I still get insurance after a DUI?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

Auto insurance policy specifics

Knowing the specifics of auto insurance helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from auto insurance companies.

Coverage for liability – Liability insurance will cover damages or injuries you inflict on people or other property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 30/60/25 which stand for $30,000 in coverage for each person’s injuries, a total of $60,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like bail bonds, medical services, medical expenses and structural damage. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford. Texas state minimum liability requirements are 30/60/25 but you should think about purchasing better liability coverage.

The illustration below demonstrates why buying minimum limits may not be adequate coverage.

Collision coverage – This covers damage to your Q7 caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sustaining damage from a pot hole, sideswiping another vehicle, hitting a parking meter and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible on your Q7 in order to get cheaper collision rates.

Insurance for medical payments – Med pay and PIP coverage kick in for short-term medical expenses like prosthetic devices, doctor visits and funeral costs. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like theft, hitting a deer and hail damage. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Audi Q7.

Due to the fact that many Texas drivers have only the minimum liability required by law (Texas limits are 30/60/25), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Persistence will pay off

Cheaper Audi Q7 insurance in Lubbock is available from both online companies in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not provide online rate quotes and these small insurance companies only sell through local independent agents.

We’ve covered a lot of techniques to shop for Audi Q7 insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even find the lowest prices are with some of the lesser-known companies. Smaller companies may often insure only within specific states and give better rates compared to the large companies like State Farm, GEICO and Nationwide.

While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. In many cases, someone sacrificed comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your focus should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Additional information

• Young Drivers: The High Risk Years Video (iihs.org)
• How Much is Lubbock Car Insurance for Lyft Drivers? (FAQ)
• Who Has Affordable Auto Insurance for Police Officers in Lubbock? (FAQ)
• Who Has Cheap Lubbock Auto Insurance for State Employees? (FAQ)
• Uninsured Motorist Statistics (Insurance Information Institute)
• Collision Insurance Coverage (Nationwide)