The easiest way to find lower priced Audi A6 insurance is to regularly compare quotes from insurance carriers in Lubbock. Price quotes can be compared by completing these steps.
- Get a basic knowledge of how car insurance works and the steps you can take to keep rates low. Many risk factors that are responsible for high rates like your driving record and poor credit history can be eliminated by being financially responsible and driving safely.
- Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while agents who are independent can provide prices from many different companies. Select a company
- Compare the new rate quotes to the price on your current policy to see if a cheaper rate is available. If you can save money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
The most important part of shopping around is to try to use identical limits and deductibles on every quote request and and to get rates from all possible companies. This ensures a level playing field and and a good selection of different prices.
It's a fact that insurance companies don't want you to look for a cheaper policy. Drivers who get comparison quotes at least once a year will, in all likelihood, switch to a new company because they have good chances of finding discount prices. A recent car insurance study revealed that consumers who compared rates annually saved over $3,500 over four years compared to drivers who never shopped around for cheaper prices.
If finding the best rates on car insurance in Lubbock is your objective, then understanding how to find companies and compare coverages can make it easier for you to save money.
If you have insurance now, you will surely be able to get lower rates using this strategy. Our objective in writing this article is to help you learn how auto insurance companies operate and some money-saving tips. Although Texas drivers do need to know how companies market on the web because rates are impacted by many factors.
Companies offering Audi A6 insurance in Lubbock
The auto insurance companies shown below have been selected to offer free quotes in Texas. If you want to find cheap car insurance in Texas, we recommend you visit several of them to get a more complete price comparison.
Statistics and details
The data table shown below outlines different insurance policy prices for Audi A6 models. Knowing how rate quotes are formulated can be of help when making smart choices when selecting a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A6 3.2 Premium 4-Dr Sedan||$244||$470||$388||$24||$116||$1,242||$104|
|A6 3.2 Premium Plus 4-Dr Sedan||$244||$470||$388||$24||$116||$1,242||$104|
|A6 3.0 Quattro Premium 4-Dr Sedan||$244||$470||$388||$24||$116||$1,242||$104|
|A6 3.0 Quattro Premium Plus 4-Dr Sedan||$244||$470||$388||$24||$116||$1,242||$104|
|A6 3.0 Quattro Premium Station Wagon||$244||$470||$330||$20||$98||$1,162||$97|
|A6 3.0 Quattro Premium Plus Station Wagon||$244||$470||$330||$20||$98||$1,162||$97|
|A6 3.0 Quattro Prestige 4-Dr Sedan||$244||$470||$388||$24||$116||$1,242||$104|
|A6 3.0 Quattro Prestige Station Wagon||$244||$470||$330||$20||$98||$1,162||$97|
|A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan||$268||$524||$388||$24||$116||$1,320||$110|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in zip code location which can influence premiums significantly.
The information below highlights how deductible selection and can change Audi A6 premium costs for different age categories. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.
Males versus Females
The example below shows the comparison of Audi A6 insurance costs for male and female drivers. The rates are based on no claims or violations, comp and collision included, $1,000 deductibles, single marital status, and no discounts are factored in.
Full coverage versus liability-only
The example below illustrates the difference between Audi A6 insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The prices are based on no accidents, no driving violations, $100 deductibles, single status, and no additional discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no set rule of when to exclude comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let's assume your Audi A6 replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $7,000 after the deductible is paid. If you are paying in excess of $700 a year for full coverage, then you might want to think about dropping full coverage.
There are some conditions where dropping physical damage coverage is not a good plan. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.
Auto insurance policy discounts for Audi A6 insurance in Lubbock
Some companies do not list every discount very clearly, so we researched a few of the more common and the harder-to-find credits available to you.
- Club Memberships - Affiliation with specific professional or occupational memberships or organizations may earn a discount on auto insurance.
- Senior Citizen Discount - Seniors can get a discount up to 10%.
- Renewal Discounts - Some insurance companies provide a discount for signing up prior to the expiration date on your current A6 insurance policy. You could save around 10% when you buy Lubbock car insurance online.
- Passive Restraint Discount - Options like air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
- Auto/Life Discount - Select companies reward you with lower auto insurance rates if you buy life insurance from them.
It's important to note that most discount credits are not given to the entire cost. Most only cut specific coverage prices like comp or med pay. So when it seems like you could get a free auto insurance policy, nobody gets a free ride.
The information below compares Audi A6 auto insurance rates with and without discounts applied to the policy rates. The data is based on a female driver, no claims or driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-policy, homeowner, and multi-car discounts applied.
To see providers with the best discounts in Texas, follow this link.
Buying car insurance from Lubbock insurance agencies
Some people prefer to go talk to an agent. A good thing about comparing car insurance online is that drivers can save money and get better rates and still choose a local agent.
Upon completion of this quick form, your insurance data is immediately sent to agents in your area who will return price quotes and help you find cheaper coverage. It's much easier because you don't need to search for any insurance agencies because quoted prices will be sent to the email address you provide. You can find better rates and work with a local agent. In the event you want to get a rate quote from a particular provider, don't hesitate to jump over to their website and complete a quote there.
Picking an insurance company should depend on more than just a low price. Any good agent in Lubbock should know the answers to these questions.
- How much experience to they have in personal lines coverages?
- Do they make recommendations based only on price?
- Can glass claims be handled at your home?
- When do they do a full risk review?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
If you would like to find a good Lubbock insurance agent, it's important to understand the different types of agents that differ in how they can insure your vehicles. Agents in Lubbock can either be exclusive or independent.
Exclusive Car Insurance Agencies
Agents of this type can usually just insure with one company and some examples include Allstate, State Farm and Farmers Insurance. They usually cannot compare rates from other companies so always compare other rates. Exclusive agencies receive extensive training in insurance sales which helps them sell on service rather than price. Some people will only buy from the same agent for years mainly due to the brand name rather than low rates.
Listed below is a short list of exclusive agents in Lubbock who may provide you with rate quotes.
- Kevin Watson - State Farm Insurance Agent
13033 Quaker Ave SUITE B - Lubbock, TX 79423 - (806) 797-3329 - View Map
- Ana Borrego - State Farm Insurance Agent
8001 Quaker Ave STE G - Lubbock, TX 79424 - (806) 745-2555 - View Map
- Allstate Insurance Agent: Russell Donaway
2321 50th St Ste C - Lubbock, TX 79412 - (806) 799-4600 - View Map
Independent Agencies or Brokers
Independent insurance agents can quote rates with many companies so they can quote policies through lots of different companies and get you the best rates possible. To move your coverage to a new company, they can switch companies in-house and you can keep the same agent. When searching for an agent, we recommend you include rate quotes from at a minimum one independent agency in order to have the best price comparison. Most also write with companies you've never heard of which can be an advantage.
The following are Lubbock independent insurance agents that can give you rate quotes.
- Ashmore and Associates Insurance Agency, LLC
6102 82nd St #6 - Lubbock, TX 79424 - (806) 745-8358 - View Map
- Advanced Insurance
3225 50th St - Lubbock, TX 79413 - (806) 799-0052 - View Map
- Insurance Partners
7335 82nd St # 4 - Lubbock, TX 79424 - (800) 701-5909 - View Map
Auto insurance coverage considerations
Knowing the specifics of auto insurance can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.
Comprehensive protection - This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like a broken windshield, damage from getting keyed, a tree branch falling on your vehicle, falling objects and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.
Liability auto insurance - This can cover damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others, and doesn't cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 30/60/25 which means $30,000 bodily injury coverage, a limit of $60,000 in injury protection per accident, and $25,000 of coverage for damaged property.
Liability coverage protects against things such as attorney fees, repair bills for other people's vehicles, repair costs for stationary objects, bail bonds and structural damage. How much coverage you buy is your choice, but consider buying as large an amount as possible. Texas state minimum liability requirements are 30/60/25 but you should consider buying better liability coverage.
The chart below shows why buying low liability limits may not be enough.
Medical expense coverage - Med pay and PIP coverage kick in for immediate expenses for things like X-ray expenses, EMT expenses, doctor visits and dental work. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Collision - This covers damage to your A6 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as colliding with another moving vehicle, rolling your car, scraping a guard rail, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible on your A6 in order to get cheaper collision rates.
Uninsured or underinsured coverage - Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle's damage.
Since a lot of drivers only carry the minimum required liability limits (which is 30/60/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
The best insurance company isn't always the cheapest
Some companies may not offer online price quotes and these regional insurance providers only sell through independent agents. Lower-priced Audi A6 insurance in Lubbock is possible both online in addition to local insurance agencies, and you should compare rates from both in order to have the best price selection to choose from.
As you shop your coverage around, it's not a good idea to buy poor coverage just to save money. In many instances, someone sacrificed collision coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.
In this article, we presented a lot of tips how to reduce Audi A6 insurance rates online in Lubbock. It's most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even be surprised to find that the best rates are with an unexpected company.
For more information, feel free to browse the following helpful articles:
- Teen Driver Statistics (Insurance Information Institute)
- Who Has the Cheapest Lubbock Auto Insurance Quotes for a Ford Fusion? (FAQ)
- How Much is Lubbock Car Insurance for Lyft Drivers? (FAQ)
- Who Has the Cheapest Lubbock Car Insurance Quotes for Veterans? (FAQ)
- What Insurance is Cheapest for a Honda CR-V in Lubbock? (FAQ)
- What Auto Insurance is Cheapest for Low Mileage Drivers in Lubbock? (FAQ)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Insurance Losses by Make and Model (iihs.org)
- What Does No-Fault Insurance Cover? (Allstate)
- Auto Insurance for Teen Drivers (Insurance Information Institute)