Want to know how to find more competitive car insurance rates in Houston, TX? Houston consumers have many options when looking for the best price on Audi A8 insurance. They can either waste time calling around trying to get quotes or utilize the internet to make rate comparisons.
There is a right way and a wrong way to compare car insurance rates so you’re going to learn the proper way to quote coverages for a new or used Audi and obtain the best price possible.
It’s a good idea to shop coverage around as often as possible because car insurance rates trend upward over time. Even if you got the best deal on Audi A8 insurance in Houston a few years ago you can probably find a lower rate today. Block out anything you think you know about car insurance because we’re going to demonstrate the right way to find better coverage on Audi A8 insurance in Houston at a better price.
You may qualify for discounts for Audi A8 insurance in Houston
Companies offering auto insurance don’t list every policy discount very well, so the list below gives a summary of a few of the more common and also the more inconspicuous discounts that you may qualify for. If they aren’t giving you every credit you deserve, you are not getting the best rate possible.
- Smart Student Discounts – This discount could provide a savings of up to 20% or more. This discount can apply well after school through age 25.
- Claim-Free Discount – Insureds who avoid accidents and claims can earn big discounts in comparison with bad drivers.
- Renewal Discounts – Some insurance companies provide a discount for signing up before your current A8 insurance policy expires. It could save around 10% when you buy Houston auto insurance online.
- Online Discount – Many larger companies will give a small break for buying a policy and signing up on the web.
- Multi-line Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
- Multiple Cars – Buying a policy with all your vehicles on one policy can get a discount on all vehicles.
- Distant College Student Discount – Youth drivers who live away from home at college and won’t have access to an insured vehicle may be insured at a cheaper rate.
One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, you’re out of luck. Any amount of discount will bring down your overall bill.
To view car insurance companies that provide some of the discounts listed above in Texas, follow this link.
Many insurance companies allow consumers to get prices for coverage direct online. Getting Audi A8 insurance prices online is fairly straightforward as you simply type in your coverage preferences into a form. Upon sending the form, the company’s rating system collects your credit score and driving record and returns a price quote.
This simplifies rate comparisons, and it’s also necessary to have as many quotes as possible if you want to find the best insurance rates.
To save time and fill out one form to compare multiple rates now, take a look at the companies shown below. If you currently have coverage, we recommend you input coverages and limits identical to your current policy. This guarantees you’re receiving a price comparison using the exact same coverages.
The companies shown below are our best choices to provide comparison quotes in Texas. If several companies are displayed, we recommend you visit as many as you can to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $236 | $524 | $400 | $24 | $120 | $1,304 | $109 |
| A8 4.2L Quattro 4-Dr Sedan | $338 | $742 | $430 | $26 | $128 | $1,664 | $139 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price information does not factor in zip code location which can revise price quotes significantly.
Deductible analysis
The hardest decision when buying coverage is which deductible level should you buy. The premium rates below help summarize the premium difference when you choose different coverage deductibles. The first rate quote example uses a $250 physical damage deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $446 | $850 | $382 | $22 | $114 | $1,839 | $153 |
| A8 4.2L Quattro 4-Dr Sedan | $484 | $938 | $382 | $22 | $114 | $1,965 | $164 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A8 4.2 Quattro 4-Dr Sedan | $276 | $534 | $382 | $22 | $114 | $1,328 | $111 |
| A8 4.2L Quattro 4-Dr Sedan | $298 | $590 | $382 | $22 | $114 | $1,406 | $117 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium amounts do not factor in vehicle location which can impact premium rates noticeably.
We can estimate from the data above that using a $250 deductible could cost the average driver approximately $45 more each month or $540 for a full year than opting for the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 17 months between claims, you would come out ahead by selecting a higher deductible.
The Audi A8 Insurance Premium Equation
Many factors are used in the calculation when you get a price on insurance. Some are pretty understandable like a motor vehicle report, although others are less obvious such as your credit history or your vehicle rating. It’s important that you understand the factors that help determine your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make good choices that could result in lower premium levels.
The factors shown below are some of the major factors utilized by car insurance companies to help set your prices.
- Save by driving less – Driving more miles in a year’s time the more you’ll pay to insure it. The majority of insurers rate vehicles based on their usage. Cars and trucks not used for work or commuting qualify for better rates than vehicles that have high annual mileage. Incorrect rating for your A8 may be costing you higher rates. Double check that your car insurance declarations sheet correctly shows annual mileage.
- Are men or women drivers cheaper? – Over the last 30 years, statistics show women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. Males and females are responsible for at-fault accidents in similar numbers, but the men get into accidents with more damage. Not only are claims higher, but men get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 tend to get in the most accidents and thus pay the highest rates.
- Discounts for multiple policies – Most car insurance companies afford a discount to clients who carry more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even if you already get this discount, you may still want to compare other Houston A8 insurance rates to help ensure you have the lowest rates.
- Continuous car insurance coverage saves money – Driving without insurance coverage in place can get your license suspended and your next policy will cost more because you let your insurance expire. Not only will rates go up, the inability to provide proof of insurance could earn you a fine, jail time, or a revoked license.
- Affects performance affects prices – The performance level of the vehicle you need insurance for makes a significant difference in your premium level. Since the Audi A8 is classified as a luxury sedan, rates will be more as compared to the average rate in Houston. Smaller low performance passenger cars generally receive the lowest base rates, but your final cost has many other factors.
- File car insurance claims and pay more – If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Insurance companies in Texas give discounts to policyholders who are claim-free. Your insurance policy is meant to be used in the event of claims that pose a financial burden.
- Audi A8 insurance claim data – Companies analyze historical claim data as a way to help calculate a profitable premium price. Vehicles that historically have a higher amount or frequency of claims will have increased rates. The next table shows the historical loss data for Audi A8 vehicles.
For each insurance policy coverage type, the claim probability for all vehicles, without regard to make or model, is considered to be 100. Numbers shown that are under 100 suggest a positive loss record, while percentages above 100 point to more losses or statistically larger losses.
Audi A8 Insurance Claim Statistics
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Audi A8 4dr 4WD 289 108 261 Audi A8L 4dr 4WD 300 88 279 62 Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
When should I discuss my situation with an agent?
When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. You are unique and your policy should reflect that. For example, these questions may help you determine if you may require specific advice.
- Can my teen driver be rated on a liability-only vehicle?
- When should I remove my kid from my policy?
- Why am I required to get a high-risk car insurance policy?
- Do I really need UM/UIM coverage?
- How high should my medical payments coverage be?
- Is motorclub coverage worth it?
- Should I buy full coverage?
- What is an umbrella policy?
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.
Can’t I get rate quotes from local Houston auto insurance agents?
Some people just prefer to get professional advice from a licensed agent and that can be a great decision Professional agents can make sure you are properly covered and help submit paperwork. An additional benefit of getting online price quotes is the fact that drivers can get cheaper auto insurance rates but also keep your business local. And buying from local insurance agencies is still important in Houston.
To make it easy to find an agent, after completing this quick form, the coverage information is immediately sent to local insurance agents in Houston who will gladly provide quotes for your car insurance coverage. It makes it easy because there is no need to drive around as quotes are delivered immediately to your email address. If you need to get a rate quote from one company in particular, you just need to navigate to their website and complete a quote there.
If you are wanting to purchase car insurance from a reliable agent, it’s helpful to know the different types of agencies to choose from. Insurance agencies in Houston are considered either independent or exclusive depending on the company they work for. Either can sell and service car insurance coverage, but it is important to understand the subtle differences since it can impact which type of agent you select.
Independent Car Insurance Agents
Independent agencies can quote rates with many companies and that is an advantage because they can write policies with many different companies and find you the best rates. If your premiums go up, the business is moved internally and you won’t have to switch agencies.
When comparing car insurance prices, we recommend you contact a few independent agents to have the most options to choose from. Most have the option of insuring with additional companies that you may not be familiar with which could offer lower prices.
Listed below is a list of independent agents in Houston that may be able to provide pricing information.
- Ken W Taylor Insurance Agency
9405 Huffmeister Rd #110 – Houston, TX 77095 – (281) 345-2580 – View Map - Hallmark Insurance Agency Inc
12337 Jones Rd – Houston, TX 77070 – (281) 894-8200 – View Map - Allrisc Insurance Agency
6918 Corporate Dr – Houston, TX 77036 – (713) 771-6000 – View Map
Exclusive Car Insurance Agents
These agents can only provide pricing for a single company like Allstate, State Farm and Farmers Insurance. These agents are not able to shop your coverage around so they really need to provide good service. Exclusive agents are usually well trained on the products they sell which helps them compete with independent agents. Consumers frequently buy insurance from these agents mostly because of high brand loyalty and the convenience of having all coverages with one company.
Shown below are exclusive agents in Houston that are able to give price quote information.
- Armando Valdez – State Farm Insurance Agent
12941 North Fwy #608 – Houston, TX 77060 – (281) 537-7890 – View Map - Bob Goodwin – State Farm Insurance Agent
1616 Clear Lake City Blvd #107 – Houston, TX 77062 – (281) 486-9100 – View Map - Allstate Insurance: Harris County Insurance Agency
13030 Woodforest Blvd b – Houston, TX 77015 – (713) 451-5716 – View Map
Finding a good insurance agency should depend on more than just the price. You should also get answers to these questions.
- How often do they review coverages?
- How much training do they have in personal risk management?
- What is the financial rating for the quoted company?
- How are claims handled?
- Do they feel the quoted coverages are adequate?
- Can they provide you with a list of referrals?
After talking to the agent and getting positive responses to any questions you have in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that meets the requirements to properly service your car insurance policy.
Three reasons to not skimp on insurance
Despite the fact that insurance is not cheap in Houston, maintaining insurance is required by state law in Texas and it also provides benefits you may not be aware of.
First, the majority of states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability in order to get the vehicle licensed. 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.
Second, if you have a lien on your vehicle, most banks will require you to have comprehensive coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Audi at an extremely high rate and require you to pay for the expensive policy.
Third, insurance preserves both your vehicle and your personal assets. It will also reimburse you for all forms of medical expenses that are the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance definitely exceed the cost, especially when you need to use it. The average driver in Texas is currently overpaying as much as $750 every year so smart consumers compare quotes at least once a year to save money.
Quote. Compare. Save.
We covered a lot of tips how to get a better price on Audi A8 insurance in Houston. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. They may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.
When you buy Houston auto insurance online, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped liability limits or collision coverage and learned later they didn’t purchase enough coverage. Your goal is to buy enough coverage at an affordable rate.
Additional car insurance information can be read at these links:
- Things to Know Before you Cancel Insurance (Allstate)
- Who Has the Cheapest Auto Insurance for Drivers Under 21 in Houston? (FAQ)
- Driving in Bad Weather (Insurance Information Institute)
- Bodily Injury Coverage (Liberty Mutual)