Would you like an easy way to compare cheaper insurance rates in Houston, TX? Houston consumers have a choice when looking for the lowest priced Audi A7 insurance. You can either waste hours calling around to get rate comparisons or use the internet to get rate quotes. There is a better way to shop for insurance so you're going to learn the proper way to get price quotes for a Audi and find the cheapest rates from Houston insurance agents and online providers.
Lowering your Audi A7 insurance rates doesn't have to be difficult. Consumers just need to invest a little time comparing rate quotes to find the company with affordable Houston car insurance quotes.
The providers in the list below provide quotes in Texas. If multiple providers are shown, it's highly recommended you get price quotes from several of them to get the best price comparison.
Insurance is an important decision
Even though Houston A7 insurance rates can get expensive, insurance serves an important purpose.
First, almost all states have compulsory liability insurance requirements which means state laws require a minimum amount 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 A7, almost every bank will stipulate that you have physical damage coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank will be required to insure your Audi at a significantly higher premium and require you to fork over the higher price.
Third, insurance safeguards not only your car but also your financial assets. Insurance will pay for medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. On average, a vehicle owner in Houston is wasting up to $869 every year so smart consumers compare quotes every year to ensure rates are inline.
Auto insurance advertising gotchas
Consumers constantly see and hear ads for auto insurance savings from the likes of GEICO, State Farm and Progressive. They all seem to tend to make the same promise that people will save if you move your coverage.
How is it possible that every company can make almost identical claims? Here is the trick they use.
Companies quote their best rates for the type of driver they prefer to insure. An example of a driver they prefer could possibly be between the ages of 40 and 55, has a clear driving record, and has a short commute. Anyone that matches those criteria will probably get cheap rates as well as save quite a bit of money when switching.
Insureds who fall short of these criteria will probably be forced to pay higher premium rates which leads to the customer buying from a different company. The trick is to say "customers who switch" not "everyone that quotes" can get the lowest rates when switching. That's the way insurance companies can confidently claim big savings. Each company has different criteria, so it is so important to compare free Houston car insurance quotes often. It is impossible to predict the company that will provide the lowest Audi A7 insurance in Houston.
Car insurance policy discounts for Audi A7 insurance in Houston
Insurance can cost an arm and a leg, but you might be missing out on some discounts that could drop your premiums quite a bit. Some of these discounts will be visible when you complete an application, but less common discounts must be asked about before you will receive the discount.
- Pay Now and Pay Less - If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.
- More Vehicles More Savings - Buying insurance for several vehicles on one policy qualifies for this discount.
- Low Mileage Discounts - Low mileage vehicles could earn slightly better rates than normal.
- Seat Belts Save more than Lives - Drivers who require all occupants to fasten their seat belts can save 10% or more off the medical payments premium.
- Accident Forgiveness Coverage - Not really a discount, but certain companies will let one accident slide before your rates go up so long as you haven't had any claims prior to the accident.
A quick disclaimer, most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, you aren't that lucky.
If you would like to see a list of car insurance companies that offer multiple discounts in Houston, click here to view.
Are insurance agencies a thing of the past?
Many people would rather buy from a licensed agent and that is not a bad decision Agents can help you choose the best coverages and help in the event of a claim. One of the benefits of getting online price quotes is that drivers can save money and get the lowest rates but also keep your business local.
By using this quick form, your coverage information gets sent to agents in your area who will gladly provide quotes for your coverage. You don't have to even leave your home because prices are sent immediately to you. If you wish to get a rate quote for a specific company, you just need to jump over to their website and give them your coverage information.
Finding the right provider is decision based upon more than just a cheap quote. A good agent in Houston will have answers to these questions.
- Are they able to provide referrals?
- Which companies do they recommend if they are an independent agency?
- Are they primarily personal or commercial lines agents in Houston?
- Can they help ensure a fair claim settlement?
- Is the agency covered by Errors and Omissions coverage?
- Is there a 24/7 contact number?
If you're trying to find a good insurance agency, it helps to know the two different types of agencies and how they are slightly different. Auto insurance policy providers can be categorized as either independent or exclusive. Both can insure your vehicles properly, but it is important to understand how they differ because it can influence the type of agent you choose.
Exclusive Auto Insurance Agents
Exclusive agents generally can only insure with one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to place coverage with different providers so you might not find the best rates. They are usually quite knowledgeable in insurance sales which helps offset the inability to provide other markets. Some insured continue to purchase coverage from exclusives mainly due to the brand legacy rather than having low rates.
The following are Houston exclusive agencies who can help you get rate quotes.
- Armando Valdez - State Farm Insurance Agent
12941 North Fwy #608 - Houston, TX 77060 - (281) 537-7890 - View Map
- Linda Tuck - State Farm Insurance Agent
2402 Bay Area Blvd g - Houston, TX 77058 - (281) 488-9050 - View Map
- Ben Speer - State Farm Insurance Agent
1110 E NASA Pkwy Ste 300 - Houston, TX 77058 - (281) 204-8282 - View Map
These agents are appointed with more than one company so as a result can place your coverage with multiple insurance companies and find the cheapest rate. If they quote lower rates, they can switch companies in-house and you can keep the same agent. When comparing auto insurance rates, you will definitely want to include at least one independent agent for the best price selection. Many can place coverage with companies you've never heard of who may have lower rates.
Below is a short list of independent insurance agencies in Houston willing to provide price quote information.
- Baxter Insurance Agency, Inc.
450 North Sam Houston Pkwy E #103 - Houston, TX 77060 - (281) 445-1381 - View Map
- TDECU INSURANCE AGENCY, LLC
1235 N Loop W Fwy #1100 - Houston, TX 77008 - (979) 238-8283 - View Map
- Champions Insurance Agency
15327 Gulf Fwy b - Houston, TX 77034 - (281) 484-4870 - View Map
If you feel you receive good feedback to your questions as well as a price you're happy with, it's possible that you found an auto insurance agent that can be trusted to insure your vehicles.
Your situation helps dictate your coverage
When it comes to choosing insurance from an agent or online for your vehicles, there really isn't a "perfect" insurance plan. Everyone's situation is unique.
Here are some questions about coverages that may help you determine whether or not you would benefit from an agent's advice.
- What should my uninsured motorist coverage limits be in Texas?
- When should I buy a commercial auto policy?
- Are there companies who specialize in insuring high-risk drivers?
- Do I have ACV or replacement cost coverage?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Who is covered by my policy?
- Should I rate my Audi A7 as pleasure use or commute?
If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you don't have a local agent, simply complete this short form. It is quick, free and can help protect your family.
Smart consumers save more
People leave their current company for any number of reasons including policy non-renewal, being labeled a high risk driver, delays in responding to claim requests or even policy cancellation. No matter why you want to switch, switching auto insurance companies is pretty easy and you might even save some money in the process.
Discount Audi A7 insurance in Houston is definitely available both online as well as from insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers may not have online rate quotes and many times these small, regional companies prefer to sell through independent agencies.
You just learned many tips how you can find lower-cost Audi A7 insurance in Houston. The most important thing to understand is the more rate comparisons you have, the better chance you'll have of finding low cost Houston car insurance quotes. Consumers could even find that the lowest car insurance rates are with some of the lesser-known companies.
Additional auto insurance information can be read at the links below
- Things to Know Before you Cancel Insurance (Allstate)
- Who Has Affordable Houston Car Insurance Rates for a Ford F-150? (FAQ)
- What Car Insurance is Cheapest for Good Students in Houston? (FAQ)
- What Car Insurance is Cheapest for State Employees in Houston? (FAQ)
- How Much are Auto Insurance Quotes for High Risk Drivers in Houston? (FAQ)
- What Car Insurance is Cheapest for a GMC Sierra in Houston? (FAQ)
- Choosing an Insurance Company (Insurance Information Institute)
- How to Avoid Staged Accidents (State Farm)
- Comprehensive Coverage (Liberty Mutual)
- Understanding your Policy (NAIC.org)