Find Cheaper Audi A4 Insurance in Lubbock

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Insurance quote for Audi A4 in LubbockHow many times have you told yourself to find more competitive auto insurance rates in Lubbock, TX? Lubbock consumers have lots of choices when looking for the lowest priced Audi A4 insurance. They can either spend hours contacting agents trying to get quotes or save time using the internet to get rate quotes. There are more efficient ways to buy auto insurance so you're going to learn the quickest way to compare rates for a Audi and locate the lowest price from both online companies and Lubbock agents.

Locating the most cost-effective car insurance policy in Lubbock is actually quite easy if you know where to start. If you currently have a car insurance policy, you will surely be able to shop for the lowest rates using the concepts covered in this article. Consumers only need an understanding of the most efficient way to compare different rates online.

Reduce Insurance Rates with These Tips

A large part of saving on insurance is knowing some of the things that go into determining the level of your policy premiums. If you know what determines premiums, this allows you to make educated decisions that can earn you lower insurance prices. Many things are part of the calculation when premium rates are determined. Some are obvious such as traffic violations, but other criteria are not quite as obvious like your vehicle usage or how financially stable you are.

The items below are some of the major factors used by companies to determine rates.

  • Insurance rates and age - Older insureds are viewed as being more responsible, tend to cause fewer accidents, and get fewer tickets. Inexperience drivers are proven to be careless and easily distracted when at the wheel of a vehicle therefore insurance rates are much higher.

    The data below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

  • Avoid traffic tickets - Having a clean driving record has a huge affect on how much you pay. Even a single speeding ticket can boost insurance rates forty percent or more. Careful drivers get better prices as compared to careless drivers. People who have multiple tickets like DUI or willful reckless driving might be required by their state to complete a SR-22 with their state's department of motor vehicles in order to drive a vehicle legally.

    The diagram below shows how violations and at-fault collisions increase Audi A4 car insurance rates for different age groups. Data assumes a married male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

  • Women tend to be lower risk - Statistics demonstrate women tend to be less risk to insure than men. That doesn't necessarily mean that males are worse at driving than females. Women and men are responsible for accidents in similar numbers, but males cause more damage. They also have more aggressive citations such as DWI and reckless driving.

    The diagram below shows the difference between Audi A4 premium costs for male and female drivers. The information is based on a clean driving record, no claims, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.

  • Commute or pleasure use - Driving more miles annually the higher your rate. Many insurance companies charge to insure your cars based upon how much you drive. Cars that have low annual miles can be on a lower rate level than those used for commuting. An improperly rated A4 may be costing you. Make sure your insurance coverage shows how each vehicle is driven.
  • Big cities have higher costs - Living in areas with lower population may provide you with better prices if you are looking for the lowest rates. Residents of big cities tend to have much more traffic and more severe claims. Fewer drivers on the road means reduced accidents as well as less vandalism and auto theft.
  • Insurance loss probability for an Audi A4 - Insurance companies include the past claim history for a vehicle when they calculate premium costs for each model. Vehicles that are shown to have higher loss trends will have a higher cost to insure.

    The table below demonstrates the insurance loss data used by companies for Audi A4 vehicles. For each policy coverage, the loss probability for all vehicles, as an average, is set at 100. Values under 100 indicate better than average losses, while numbers shown that are more than 100 point to more losses or statistically larger losses.

    Insurance Loss Ratings for Audi A4 Vehicles
    Specific Audi Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Audi A4 4dr 2WD 179 107 103 80 112 100
    Audi A4 4dr 4WD 160 94 118 66 68 77
    Audi A4 Allroad Station Wagon 4WD 145 84 110 47 47 70
    BETTER
    AVERAGE
    WORSE

    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Premium rates and analysis

The premium information below covers different insurance rates for Audi A4 models. Learning a little about how prices are determined is important for you to make informed decisions.

Audi A4 Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $264 $624 $462 $28 $138 $1,516 $126
A4 2.0T Premium Turbo 4-Dr Sedan $264 $542 $462 $28 $138 $1,434 $120
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $264 $542 $462 $28 $138 $1,434 $120
A4 2.0T Quattro Premium Plus Turbo Station Wagon $264 $624 $462 $28 $138 $1,516 $126
A4 2.0T Premium Plus Turbo 4-Dr Sedan $294 $624 $462 $28 $138 $1,546 $129
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $294 $624 $462 $28 $138 $1,546 $129
A4 2.0T Quattro Premium Plus 4-Dr Sedan $294 $624 $462 $28 $138 $1,546 $129
A4 2.0T Quattro Prestige Turbo Station Wagon $294 $624 $462 $28 $138 $1,546 $129
A4 2.0T Quattro Prestige 4-Dr Sedan $294 $624 $462 $28 $138 $1,546 $129
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $294 $624 $462 $28 $138 $1,546 $129
Get Your Own Custom Quote Go

Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in Lubbock location which can affect auto insurance rates greatly.

Physical damage deductibles

One of the most common insurance questions is how low should you set your deductibles. The figures shown below highlight how much more you'll pay when you buy lower versus higher deductibles. The first set of prices uses a $100 physical damage deductible and the second pricing table uses a $1,000 deductible.

Audi A4 insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $370 $804 $382 $22 $114 $1,717 $143
A4 2.0T Premium Turbo 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
A4 2.0T Quattro Premium Plus Turbo Station Wagon $370 $804 $382 $22 $114 $1,717 $143
A4 2.0T Premium Plus Turbo 4-Dr Sedan $412 $804 $382 $22 $114 $1,759 $147
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $412 $804 $382 $22 $114 $1,759 $147
A4 2.0T Quattro Premium Plus 4-Dr Sedan $412 $804 $382 $22 $114 $1,759 $147
A4 2.0T Quattro Prestige Turbo Station Wagon $412 $804 $382 $22 $114 $1,759 $147
A4 2.0T Quattro Prestige 4-Dr Sedan $412 $804 $382 $22 $114 $1,759 $147
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $412 $804 $382 $22 $114 $1,759 $147
Get Your Own Custom Quote Go
Audi A4 insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $206 $424 $382 $22 $114 $1,148 $96
A4 2.0T Premium Turbo 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
A4 2.0T Quattro Premium Plus Turbo Station Wagon $206 $424 $382 $22 $114 $1,148 $96
A4 2.0T Premium Plus Turbo 4-Dr Sedan $228 $424 $382 $22 $114 $1,170 $98
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $228 $424 $382 $22 $114 $1,170 $98
A4 2.0T Quattro Premium Plus 4-Dr Sedan $228 $424 $382 $22 $114 $1,170 $98
A4 2.0T Quattro Prestige Turbo Station Wagon $228 $424 $382 $22 $114 $1,170 $98
A4 2.0T Quattro Prestige 4-Dr Sedan $228 $424 $382 $22 $114 $1,170 $98
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $228 $424 $382 $22 $114 $1,170 $98
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-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price information does not factor in specific zip code location which can alter insurance rates noticeably.

Based on the above data, using a $100 deductible will cost in the ballpark of $48 more each month or $576 for a full year across all Audi A4 models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 19 months between claims, you would more than likely save some money if you opt for a higher deductible.

How to determine when to raise deductibles

Average monthly premium for $100 deductibles: $144
Average monthly premium for $1,000 deductibles (subtract): - $96
Monthly savings from raising deductible: $48
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $48
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

The example below demonstrates how deductibles and can influence Audi A4 insurance rates for each age group. The premiums assume a single male driver, full physical damage coverage, and no discounts are taken into consideration.

Cost difference between full coverage and liability

The chart below compares Audi A4 insurance prices with full coverage and liability only. The rate quotes are based on no violations or claims, $1,000 deductibles, drivers are not married, and no discounts are applied.

Should you be buying full coverage?

There isn't a steadfast formula to stop paying for physical damage insurance, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let's say your Audi A4 claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $6,000 after paying your policy deductible. If you are paying more than $600 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some conditions where only buying liability is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage.

Affordable rates by taking advantage of discounts

Insurance is expensive, but you may find discounts that many people don't even know exist. Certain discounts will be applied when you quote, but a few must be specifically requested before you get the savings.Cheaper insurance with discounts

  • No Charge for an Accident - Not really a discount, but companies like Allstate and GEICO will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
  • Military Discounts - Being deployed in the military could trigger a small discount.
  • New Car Discount - Buying insurance coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Seat Belts Save - Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • 55 and Retired - Mature drivers may receive a slight reduction on a Lubbock car insurance quote.
  • Bundled Policy Discount - If you combine your auto and homeowners policies with the same company you could earn a discount of as much as 10 to 15 percent.
  • Early Signing - A few larger companies offer discounts for switching to them prior to your current A4 insurance policy expiration. You may see this discount when you get Lubbock car insurance quotes online.
  • Claim Free - Insureds with no claims or accidents can save substantially compared to drivers who are more careless.
  • Student Discounts - A discount for being a good student may save you up to 25%. Earning this discount can benefit you well after school through age 25.

Discounts lower rates, but most credits do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, it's just not the way it works. But all discounts will definitely reduce your overall premium however.

The diagram below illustrates the comparison of Audi A4 auto insurance rates with and without discounts applied. Data assumes a male driver, a clean driving record, no claims, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, multi-policy, homeowner, and claim-free discounts applied.

A list of insurance companies and some of the premium reductions they offer are shown below.

  • 21st Century has savings for homeowners, 55 and older, student driver, teen driver, and good student.
  • State Farm discounts include multiple policy, Steer Clear safe driver discount, good student, multiple autos, and passive restraint.
  • AAA offers discounts for good student, pay-in-full, AAA membership discount, multi-car, good driver, and education and occupation.
  • Liberty Mutual offers discounts including newly married, multi-car, safety features, new graduate, multi-policy, and new vehicle discount.
  • Progressive offers premium reductions for multi-policy, good student, online quote discount, multi-vehicle, continuous coverage, homeowner, and online signing.

When comparing rates, check with each insurance company how many discounts you can get. Depending on the company, some discounts might not be offered on policies in every state. To see insurers that have a full spectrum of discounts in Lubbock, follow this link.

Best auto insurance company in Texas

Selecting a good quality auto insurance provider can be rather challenging considering how many different companies insure vehicles in Lubbock. The information in the lists below may help you choose which car insurance providers to look at shopping prices with.

Top 10 Lubbock Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Top 10 Lubbock Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Auto insurance savings summarized

We covered many tips how you can find lower-cost Audi A4 insurance in Lubbock. The key thing to remember is the more you quote Lubbock car insurance, the better chance you'll have of finding low cost Lubbock car insurance quotes. You may even be surprised to find that the biggest savings come from some of the lesser-known companies.

Insureds switch companies for any number of reasons including extreme rates for teen drivers, delays in paying claims, questionable increases in premium and poor customer service. It doesn't matter why you want to switch finding a new auto insurance company is actually quite simple.

Cheap Audi A4 insurance in Lubbock can be sourced on the web as well as from insurance agents, so you need to shop Lubbock car insurance with both in order to have the best chance of saving money. A few companies do not offer online quoting and most of the time these regional insurance providers provide coverage only through independent agencies.

Steps to finding cheaper Audi A4 insurance in Lubbock

The easiest way to find affordable quotes for car insurance rates in Lubbock is to annually compare prices from insurers that insure vehicles in Texas. Prices can be compared by following these steps.

  • First, get a basic knowledge of what coverages are included in your policy and the things you can control to keep rates low. Many policy risk factors that increase rates such as traffic violations, accidents, and a substandard credit score can be controlled by making small lifestyle or driving habit changes.
  • Second, compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like GEICO and State Farm, while independent agents can quote prices for a wide range of companies. Start a quote
  • Third, compare the quotes to the premium of your current policy to see if you can save by switching companies. If you find better rates and change companies, ensure coverage does not lapse between policies.
  • Fourth, provide proper notification to your current company of your decision to cancel the current policy. Submit payment along with a signed and completed policy application to your new carrier. Once coverage is bound, keep your new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

A good piece of advice is to make sure you enter similar coverage information on each quote and and to get rate quotes from as many different insurance providers as possible. Doing this ensures an accurate price comparison and the best price selection.

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