Want to learn the secrets to finding lower-priced Audi S5 insurance in Lubbock? Do you get overwhelmed by the dozens of insurance choices in Lubbock? You’re not alone. You have so many choices that it can easily become a difficult situation to find the best rates for Audi S5 insurance in Lubbock. Lubbock is a great place to live, but inflated insurance prices can make it difficult for lots of drivers to afford.
Regrettably, the vast majority of insurance customers have stayed with the same insurance company for more than four years, and 38% of customers have never compared rate quotes at all. Drivers in Lubbock could cut their rates by up to $1,770 a year just by getting comparison quotes, but they just feel it’s too hard to compare rate quotes online.
Take advantage of these rate reducing discounts
Companies offering auto insurance do not list every discount available very well, so we took the time to find both well-publicized and also the lesser-known credits available to bring down your rates.
- Good Students Pay Less – Excelling in school could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.
- Low Mileage Discounts – Driving less may enable drivers to earn lower car insurance rates due to less chance of an accident.
- Passive Restraints – Factory options such as air bags or automatic seat belts can receive discounts as much as 30%.
- Life Insurance – Some insurance carriers give a break if you buy life insurance.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles are much safer to drive so companies give up to a 10% discount.
- More Vehicles More Savings – Drivers who insure multiple cars on the same car insurance policy can reduce the rates for all insured vehicles.
- Seat Belts Save – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
It’s important to note that some of the credits will not apply to the whole policy. Some only reduce individual premiums such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, that’s just not realistic.
The example below shows the comparison of Audi S5 car insurance costs with and without policy discounts. The premiums assume a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, homeowner, claim-free, and multi-policy discounts applied.
Companies and some of their more popular discounts are:
- GEICO policyholders can earn discounts including good student, anti-lock brakes, defensive driver, federal employee, air bags, and anti-theft.
- Travelers offers discounts including driver training, save driver, IntelliDrive, good student, hybrid/electric vehicle, and multi-policy.
- Farm Bureau discounts include safe driver, renewal discount, multi-policy, multi-vehicle, good student, youthful driver, and 55 and retired.
- Liberty Mutual offers discounts for new vehicle discount, multi-car, new move discount, exclusive group savings, safety features, and multi-policy.
- American Family has discounts for Steer into Savings, defensive driver, multi-vehicle, TimeAway discount, and good driver.
- Progressive includes discounts for online signing, good student, continuous coverage, homeowner, multi-policy, online quote discount, and multi-vehicle.
If you need inexpensive Lubbock car insurance quotes, ask each company how many discounts you can get. Depending on the company, some discounts may not apply in every state. For a list of insurance companies that offer discounts in Lubbock, click this link.
Just remember that making a lot of price comparisons helps increase your odds of locating lower pricing. Some insurance companies are not set up to provide online price quotes, so it’s recommended that you also compare rates from the smaller companies as well.
The auto insurance companies shown below provide comparison quotes in Texas. To locate the cheapest auto insurance in Lubbock, TX, we recommend you visit several of them to get a more complete price comparison.
Auto insurance data for an Audi S5
The premium table shown below outlines a range of insurance premium costs for Audi S5 models. Understanding how insurance prices are calculated can assist in making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $414 | $934 | $392 | $24 | $118 | $1,882 | $157 |
| S5 4.2 Quattro 2-Dr Coupe | $414 | $934 | $392 | $24 | $118 | $1,882 | $157 |
| S5 3.0 Quattro 2-Dr Convertible | $414 | $836 | $392 | $24 | $118 | $1,784 | $149 |
| S5 4.2 Quattro 2-Dr Coupe | $414 | $1030 | $392 | $24 | $118 | $1,978 | $165 |
| S5 4.2 Quattro 2-Dr Coupe | $414 | $1030 | $392 | $24 | $118 | $1,978 | $165 |
| S5 3.0 Quattro 2-Dr Convertible | $452 | $934 | $392 | $24 | $118 | $1,920 | $160 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Prices do not factor in vehicle location which can revise coverage prices noticeably.
The illustration below illustrates how your choice of deductibles and can increase or decrease Audi S5 insurance premiums for different ages of insureds. The prices are based on a married male driver, full coverage, and no discounts are applied.
Careless driving habits raise Lubbock auto insurance rates
The chart below highlights how traffic violations and accident claims drive up Audi S5 auto insurance rates for different categories of driver ages. The data assumes a single female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
Car insurance quotes from neighborhood Lubbock auto insurance agents
Many drivers would rather buy from a licensed agent and that can be a smart move The biggest benefit of comparing car insurance online is that you can obtain cheaper premium rates and also buy local. Supporting small agencies is still important in Lubbock.
By using this quick form, your information is sent to insurance agents in Lubbock who will return price quotes for your coverage. You never need to contact any agents since price quotes are sent to you directly. You can find better rates and work with a local agent. If you want to quote rates from one company in particular, feel free to find their quoting web page and fill out the quote form the provide.
The following is a list of insurance companies in Lubbock that are able to give rate quotes for Audi S5 insurance in Lubbock.
- Lubbock AllState Agent
2312 19th St – Lubbock, TX 79401 – (806) 412-1471 – View Map - Dick Phillips – State Farm® Insurance Agent
5740 82nd St – Lubbock, TX 79424 – (806) 799-4651 – View Map - Bledsoe Insurance Agency
5143 69th St – Lubbock, TX 79424 – (806) 794-8686 – View Map - Farmers Insurance – Rhett Richardson
13413 County Rd 1800 Unit D – Lubbock, TX 79424 – (806) 783-9998 – View Map
Selecting an insurer needs to be determined by more than just a cheap price. Any agent in Lubbock should have no problem answering these questions:
- Do the agents have professional certifications like CPCU or CIC?
- Which members of your family are coverage by the policy?
- What company holds the largest book of business for them?
- How long has their agency been in business in Lubbock?
- Is assistance available after office hours?
- Can you choose the body shop in case repairs are needed?
You can lower your insurance rates
Drivers who switch companies do it for a variety of reasons including extreme rates for teen drivers, delays in responding to claim requests, high prices and policy cancellation. Regardless of your reason for switching companies, finding the right insurance provider is pretty easy and you might even save some money in the process.
When you buy Lubbock car insurance online, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where an insured cut comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.
Budget-friendly insurance in Lubbock can be sourced online and also from your neighborhood Lubbock agents, so you need to quote Lubbock car insurance with both so you have a total pricing picture. Some insurance providers don’t offer the ability to get a quote online and most of the time these small, regional companies only sell coverage through independent agencies.
How to find cheaper quotes for Audi S5 insurance in Lubbock
If your goal is the lowest price, then the best way to save on Audi S5 insurance is to compare prices regularly from different companies who sell insurance in Lubbock.
First, spend a few minutes and learn about how auto insurance works and the measures you can take to prevent rate increases. Many policy risk factors that result in higher rates such as at-fault accidents, careless driving, and an unacceptable credit rating can be amended by making minor changes to your lifestyle.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or Farmers Insurance, while independent agents can provide prices for a wide range of companies.
Third, compare the new rates to your current policy to see if a cheaper price is available. If you can save some money and buy the policy, ensure there is no coverage lapse between policies.
Fourth, provide notification to your current company of your decision to cancel your current car insurance policy and submit a down payment along with a signed application to your new company or agent. When you receive it, keep the new proof of insurance certificate somewhere easily accessible.
A key point to remember is that you’ll want to make sure you compare the same deductibles and limits on each quote request and and to get rates from every company you can. Doing this ensures an apples-to-apples comparison and a good representation of prices.
To read more, feel free to visit the following helpful articles:
- Tread Depth and Tire Safety (State Farm)
- Who Has Affordable Auto Insurance Quotes for Unemployed Drivers in Lubbock? (FAQ)
- What Car Insurance is Cheapest for Hybrid Vehicles in Lubbock? (FAQ)
- Who Has Affordable Lubbock Auto Insurance Quotes After a Speeding Ticket? (FAQ)
- Medical Payments Coverage (Liberty Mutual)
- What is Covered by GAP Insurance? (Allstate)