The most effective way to find cheaper Audi TT insurance in Lubbock is to make a habit of comparing prices annually from providers who sell auto insurance in Texas. You can compare prices by completing these steps.
- Try to learn about the different coverages in a policy and the modifications you can make to drop your rates. Many policy risk factors that cause rate increases such as accidents, traffic tickets, and a negative credit score can be controlled by making lifestyle changes or driving safer.
- Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like Progressive or State Farm, while independent agencies can provide prices for many different companies.
- Compare the new rates to your current policy and see if there is a cheaper rate in Lubbock. If you find a lower rate quote and buy the policy, make sure coverage is continuous and does not lapse.
- Tell your current agent or company to cancel your current auto insurance policy. Submit a signed application and payment to the new company. Immediately put the new certificate of insurance in your vehicle’s glove compartment or console.
An important bit of advice to remember is to use the same level of coverage on every quote and and to get rate quotes from all possible companies. This enables the most accurate price comparison and a complete price analysis.
We don’t have to point out that fact that auto insurance companies don’t want their policyholders to compare prices. People who get price quotes annually will probably switch insurance companies because there is a significant possibility of finding a lower-priced policy. A recent insurance study discovered that people who compared prices regularly saved about $3,400 over four years as compared to drivers who never compared rates.
If finding discount rates on Audi TT insurance is your ultimate objective, then having an understanding of how to get free comparison quotes and analyze cheaper coverage can make it easier to shop your coverage around.
When shopping for cheaper Lubbock car insurance quotes, there are a couple of ways of comparing rates from local Lubbock car insurance companies. The best way to compare Audi TT insurance prices is to jump online and get quotes. It’s important to know that making a lot of price comparisons will improve the odds of getting more affordable insurance. Some companies don’t provide Lubbock TT insurance quotes online, so it’s important to also get price quotes from them, too.
The companies in the list below are ready to provide price quotes in Texas. If you want the best cheap car insurance in Texas, we suggest you visit two to three different companies in order to find the cheapest rates.
Rates and data analysis
The premium table below outlines a range of coverage costs for Audi TT models. Being able to understand how policy rates are established is important to be able to make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $360 | $660 | $388 | $24 | $116 | $1,548 | $129 |
| TT 2.0T Quattro 2-Dr Coupe | $360 | $660 | $388 | $24 | $116 | $1,548 | $129 |
| TT 2.0T Quattro 2-Dr Coupe | $360 | $660 | $388 | $24 | $116 | $1,548 | $129 |
| TT S 2.0T Quattro 2-Dr Coupe | $396 | $746 | $388 | $24 | $116 | $1,670 | $139 |
| TT 2.0T Quattro 2-Dr Roadster | $396 | $746 | $388 | $24 | $116 | $1,670 | $139 |
| TT 2.0T Quattro 2-Dr Roadster | $396 | $746 | $388 | $24 | $116 | $1,670 | $139 |
| TT S 2.0T Quattro 2-Dr Coupe | $396 | $746 | $388 | $24 | $116 | $1,670 | $139 |
| TT S 2.0T Quattro 2-Dr Roadster | $396 | $746 | $388 | $24 | $116 | $1,670 | $139 |
| TT 2.0T Quattro 2-Dr Roadster | $396 | $746 | $388 | $24 | $116 | $1,670 | $139 |
| TT S 2.0T Quattro 2-Dr Roadster | $432 | $832 | $388 | $24 | $116 | $1,792 | $149 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Prices do not factor in specific location information which can alter premium rates substantially.
Analysis of deductible levels
The hardest decision when buying coverage is which deductible level should you buy. The following tables may help to conceptualize the costs and benefits between low and high coverage deductibles. The first set of prices uses a $100 deductible for physical damage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| TT 2.0T Quattro 2-Dr Coupe | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| TT 2.0T Quattro 2-Dr Coupe | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| TT S 2.0T Quattro 2-Dr Coupe | $454 | $908 | $382 | $22 | $114 | $1,905 | $159 |
| TT 2.0T Quattro 2-Dr Roadster | $454 | $908 | $382 | $22 | $114 | $1,905 | $159 |
| TT 2.0T Quattro 2-Dr Roadster | $454 | $908 | $382 | $22 | $114 | $1,905 | $159 |
| TT S 2.0T Quattro 2-Dr Coupe | $454 | $908 | $382 | $22 | $114 | $1,905 | $159 |
| TT S 2.0T Quattro 2-Dr Roadster | $454 | $908 | $382 | $22 | $114 | $1,905 | $159 |
| TT 2.0T Quattro 2-Dr Roadster | $454 | $908 | $382 | $22 | $114 | $1,905 | $159 |
| TT S 2.0T Quattro 2-Dr Roadster | $496 | $1014 | $382 | $22 | $114 | $2,053 | $171 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TT 2.0T Quattro 2-Dr Coupe | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| TT 2.0T Quattro 2-Dr Coupe | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| TT 2.0T Quattro 2-Dr Coupe | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| TT S 2.0T Quattro 2-Dr Coupe | $252 | $478 | $382 | $22 | $114 | $1,248 | $104 |
| TT 2.0T Quattro 2-Dr Roadster | $252 | $478 | $382 | $22 | $114 | $1,248 | $104 |
| TT 2.0T Quattro 2-Dr Roadster | $252 | $478 | $382 | $22 | $114 | $1,248 | $104 |
| TT S 2.0T Quattro 2-Dr Coupe | $252 | $478 | $382 | $22 | $114 | $1,248 | $104 |
| TT S 2.0T Quattro 2-Dr Roadster | $252 | $478 | $382 | $22 | $114 | $1,248 | $104 |
| TT 2.0T Quattro 2-Dr Roadster | $252 | $478 | $382 | $22 | $114 | $1,248 | $104 |
| TT S 2.0T Quattro 2-Dr Roadster | $276 | $534 | $382 | $22 | $114 | $1,328 | $111 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium amounts do not factor in garaging location in Lubbock which can change insurance rates substantially.
We can estimate from the data above that using a $100 deductible will cost you roughly $54 more each month or $648 each year than quoting the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 17 months between claims, you would most likely save money if you opt for a higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $100 deductibles: | $157 |
| Average monthly premium for $1,000 deductibles (subtract): | – $103 |
| Monthly savings from raising deductible: | $54 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $54 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
The example below shows how different deductible levels and can increase or decrease Audi TT insurance costs for different age groups. The rates are based on a single female driver, full coverage, and no discounts are taken into consideration.
Full coverage versus liability only rates
The information below shows the comparison of Audi TT car insurance rates when comparing full coverage to state minimum liability only. The prices are based on no claims, a clean driving record, $500 deductibles, marital status is single, and no discounts are taken into consideration.
Guidelines for dropping full coverage
There is no definitive guideline of when to eliminate comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Audi TT claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $5,000 after the policy deductible has been paid. If it’s costing you more than $500 annually for physical damage coverage, then it might be time to buy liability only.
There are some circumstances where eliminating full coverage is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.
There’s no such thing as the perfect car insurance policy
When it comes to buying coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different and your policy should reflect that.
For instance, these questions could help you determine whether or not you would benefit from professional advice.
- What can I do if my company won’t pay a claim?
- Does my insurance cover a custom paint job?
- Should I file a claim if it’s only slightly more than my deductible?
- When should my teen driver be added to my policy?
- Do I need replacement cost coverage?
- If my car is totaled with they pay enough to replace it?
- Is my state a no-fault state?
If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.
Shop online but buy locally
Many people still like to buy from a licensed agent and there is nothing wrong with that. An additional benefit of comparing rates online is that you can obtain cheap rate quotes and also buy local.
After filling out this simple form, the quote information is emailed to companies in Lubbock who will give you bids and help you find cheaper coverage. It’s much easier because you don’t need to contact any insurance agencies since price quotes are sent to your email. Get lower rates and an insurance agent to talk to. If you need to compare prices from a specific car insurance provider, you would need to visit that company’s website and fill out the quote form the provide.
Finding the right company should include more criteria than just a cheap price. Before buying a policy in Lubbock, get answers to these questions.
- If your car is totaled, how to they determine the replacement cost?
- What is the financial rating for the quoted company?
- Will they make sure you get an adequate claim settlement?
- Does the agency have a good rating with the Better Business Bureau?
- If you have an accident, will your rates go up?
- Do they see any coverage gaps in your plan?
Types of car insurance agents
If you are wanting to find a good insurance agency, it’s important to understand the different agency structures and how they are distinctly different. Car insurance agents in Lubbock may be either independent (non-exclusive) or exclusive.
Exclusive Car Insurance Agencies
These agents are contracted to one company like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are very knowledgeable in insurance sales and that can be a competitive advantage. A lot of people buy insurance from these agents partially due to the brand name rather than having the cheapest rates.
Below is a list of exclusive insurance agencies in Lubbock who may provide you with rate quotes.
- Farmers Insurance – Rhett Richardson
13413 County Rd 1800 Unit D – Lubbock, TX 79424 – (806) 783-9998 – View Map - Farmers Insurance – Jules Minne
10210 Frankford Ave Ste 220 – Lubbock, TX 79424 – (806) 783-9519 – View Map - Keith Potts – State Farm Insurance Agent
6110 Frankford Ave A – Lubbock, TX 79424 – (806) 794-5084 – View Map
Independent Car Insurance Agencies
Agents of this type often have affiliation with several companies so they can insure your vehicles through many companies and find you cheaper rates. If prices rise, your policy is moved internally and that require little work on your part. If you are comparing car insurance prices, it’s recommended you include independent agents in order to compare the most rates. Many independent agencies also insure through companies that do not advertise much that many times have cheaper rates.
The following are Lubbock independent agents that can give you comparison quotes.
- Zuniga Insurance Agency
1407 19th St – Lubbock, TX 79401 – (806) 702-4918 – View Map - Beadle Insurance Agency
8008 Slide Rd #22 – Lubbock, TX 79424 – (806) 798-7900 – View Map - David Tate Insurance Agency LLP
5233 79th St – Lubbock, TX 79424 – (806) 794-1177 – View Map