How many years has it been since you compared low-cost auto insurance rates in Houston, TX? Houston consumers have lots of choices when looking for affordable Audi S5 insurance. You can either spend your time struggling with agents to get rate comparisons or save time using the internet to compare rates. There is a right way and a wrong way to find auto insurance online so you’re going to learn the best way to price shop coverage on a Audi and locate the lowest possible price.
Get cheaper Audi S5 insurance rates in Houston
Some insurance providers do not list every available discount very clearly, so the following list contains a few of the more well known and also the lesser-known credits that may apply to you.
- Own a Home – Owning a house in Houston can save a few bucks since owning and maintaining a home requires personal responsibility.
- Sign Online – A few larger online companies provide a small discount for completing your application digitally online.
- Distant Student Discount – Youth drivers who are attending college and don’t have a car can receive lower rates.
- Drivers Education – Teen drivers should enroll in driver’s education as it will make them better drivers and lower rates.
- Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could save 15% off PIP or medical payments premium.
- Responsible Drivers – Insureds without accidents can save up to 40% or more on their Houston car insurance quote than drivers with accidents.
Discounts save money, but please remember that most discounts do not apply to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will definitely lower the cost of coverage.
The best car insurance companies and some of their more popular discounts are detailed below.
- State Farm includes discounts for anti-theft, Steer Clear safe driver discount, passive restraint, defensive driving training, driver’s education, and student away at school.
- American Family has savings for Steer into Savings, defensive driver, air bags, accident-free, good student, and mySafetyValet.
- AAA may offer discounts for education and occupation, good student, good driver, pay-in-full, and multi-car.
- GEICO may have discounts that include defensive driver, five-year accident-free, multi-vehicle, driver training, anti-theft, daytime running lights, and federal employee.
- Mercury Insurance offers premium reductions for type of vehicle, professional/association, multi-policy, age of vehicle, good student, and multi-car.
- Farmers Insurance offers discounts for homeowner, mature driver, multi-car, teen driver, early shopping, and good student.
- Progressive discounts include online quote discount, online signing, multi-vehicle, continuous coverage, multi-policy, homeowner, and good student.
Double check with each company which discounts can lower your rates. Some of the discounts discussed earlier might not apply in Houston.
Ways to get Audi S5 insurance quotes in Houston
Lowering your Audi S5 insurance rates is not rocket science. You just need to take time to get quotes provided by online insurance companies.
The providers in the list below provide quotes in Houston, TX. If multiple companies are shown, we suggest you visit two to three different companies in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $318 | $722 | $366 | $22 | $110 | $1,538 | $128 |
| S5 4.2 Quattro 2-Dr Coupe | $350 | $832 | $430 | $26 | $128 | $1,766 | $147 |
| S5 3.0 Quattro 2-Dr Convertible | $258 | $522 | $366 | $22 | $110 | $1,278 | $107 |
| S5 4.2 Quattro 2-Dr Coupe | $216 | $608 | $430 | $26 | $128 | $1,408 | $117 |
| S5 4.2 Quattro 2-Dr Coupe | $252 | $590 | $382 | $22 | $114 | $1,360 | $113 |
| S5 3.0 Quattro 2-Dr Convertible | $438 | $978 | $462 | $28 | $138 | $2,044 | $170 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in specific Houston garaging location which can influence coverage prices substantially.
Physical damage deductibles: Should you raise them?
A question often asked by Houston drivers is how high should your deductibles be. The following tables help summarize the differences in premium rates when you select higher and lower policy deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $454 | $1014 | $382 | $22 | $114 | $2,011 | $168 |
| S5 4.2 Quattro 2-Dr Coupe | $454 | $1014 | $382 | $22 | $114 | $2,011 | $168 |
| S5 3.0 Quattro 2-Dr Convertible | $454 | $908 | $382 | $22 | $114 | $1,905 | $159 |
| S5 4.2 Quattro 2-Dr Coupe | $454 | $1120 | $382 | $22 | $114 | $2,117 | $176 |
| S5 4.2 Quattro 2-Dr Coupe | $454 | $1120 | $382 | $22 | $114 | $2,117 | $176 |
| S5 3.0 Quattro 2-Dr Convertible | $496 | $1014 | $382 | $22 | $114 | $2,053 | $171 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S5 4.2 Quattro 2-Dr Coupe | $332 | $686 | $382 | $22 | $114 | $1,536 | $128 |
| S5 4.2 Quattro 2-Dr Coupe | $332 | $686 | $382 | $22 | $114 | $1,536 | $128 |
| S5 3.0 Quattro 2-Dr Convertible | $332 | $614 | $382 | $22 | $114 | $1,464 | $122 |
| S5 4.2 Quattro 2-Dr Coupe | $332 | $756 | $382 | $22 | $114 | $1,606 | $134 |
| S5 4.2 Quattro 2-Dr Coupe | $332 | $756 | $382 | $22 | $114 | $1,606 | $134 |
| S5 3.0 Quattro 2-Dr Convertible | $362 | $686 | $382 | $22 | $114 | $1,566 | $131 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Table data does not factor in specific zip code location which can decrease or increase price quotes significantly.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $40 more each month or $480 every year than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 10 months between claims, you would probably save some money if you choose a higher deductible. The table below shows how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $170 |
| Average monthly premium for $500 deductibles (subtract): | – $130 |
| Monthly savings from raising deductible: | $40 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $40 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 10 months |
One thing to note is that raising deductibles results in having to pay to pay more out-of-pocket at claim time. You need to make sure you have some available funds in the event you have to pay the deductible for vehicle repair.
Audi S5 insurance costs by age and gender
The information below shows the difference between Audi S5 yearly insurance costs for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are not married, and no other discounts are factored in.
Higher deductibles save money
The example below highlights how deductible selection and can raise or lower Audi S5 premium costs for different insured age categories. The premium estimates are based on a married female driver, comp and collision included, and no other discounts are factored in.
Local Houston car insurance agents
Some consumers just prefer to talk to a local agent. Most agents will help you protect your assets and give you someone to call. The biggest benefit of getting free rate quotes online is that you can obtain lower prices but still work with a licensed agent.
Upon completion of this form (opens in new window), your coverage information is emailed to insurance agents in Houston who want to provide quotes for your business. You don’t have to even leave your home due to the fact that quote results will go directly to you. If you want to quote rates for a specific company, just search and find their rate quote page to submit a rate quote request.
Choosing a provider needs to be determined by more than just a cheap price. Get answers to these questions too.
- Is their price quote a firm figure or are their hidden costs?
- If you raise deductibles, how much can you save?
- Is there a 24/7 contact number?
- Do they have a Better Business Bureau rating in Houston?
- Are you getting all the discounts the company offers?
- Do they prorate repair cost based on vehicle mileage?
- If you are a high risk driver, do they have special markets for your coverage?
What types of auto insurance agents are in Houston?
If you want to buy auto insurance from an insurance agent, there are two types of agencies and how they differ in how they quote coverages. Auto insurance agents in Houston are categorized either exclusive agents or independent agents. Both types of agents can sell and service auto insurance coverage, but it’s a good idea to understand how they differ since it may influence which agent you choose.
Exclusive Insurance Agents
Exclusive agencies can only provide pricing for a single company and some examples include Allstate, State Farm and Farmers Insurance. They are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents are trained well in insurance sales which aids in selling service over price. Consumers frequently use the same agent mainly due to the prominence of the brand rather than having low rates.
Listed below are Houston exclusive agents that can give you comparison quotes.
- Allstate Insurance: Harris County Insurance Agency
13030 Woodforest Blvd b – Houston, TX 77015 – (713) 451-5716 – View Map - Tammy Pham – State Farm Insurance Agent
13618 Bellaire Blvd, Ste E5 – Houston, TX 77083 – (281) 498-6800 – View Map - Lucrecia Jasminoy – State Farm Insurance Agent
223 Cavalcade St – Houston, TX 77009 – (713) 884-1442 – View Map
Independent Agents (or Brokers)
Independent agents do not write with just one company so they can write business with multiple insurance companies and get the cheapest rates. If you want to switch companies, they simply move the coverage in-house which requires no work on your part.
If you need cheaper auto insurance rates, you need to compare prices from a couple of independent agencies so that you have a good selection of quotes to compare. Most independent agents also contract with small regional insurance companies which can be an advantage.
Below is a short list of independent insurance agents in Houston willing to provide price quote information.
- Craig Insurance Agency
1020 Bay Area Blvd # 100 – Houston, TX 77058 – (281) 488-2733 – View Map - Texas General Insurance Agency
2500 West Loop S #210 – Houston, TX 77027 – (713) 622-5977 – View Map - AA-USA-Insurance
702 W Sam Houston Pkwy S – Houston, TX 77042 – (713) 914-0354 – View Map
Auto insurance coverage options for an Audi S5
Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Audi S5.
Because many people only carry the minimum required liability limits (30/60/25 in Texas), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.
Liability insurance – This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 30/60/25 that translate to a $30,000 limit per person for injuries, a limit of $60,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.
Liability coverage pays for things like emergency aid, attorney fees, legal defense fees, court costs and bail bonds. How much liability should you purchase? That is your choice, but you should buy as much as you can afford. Texas state law requires minimum liability limits of 30/60/25 but you should consider buying higher limits.
Comprehensive auto coverage – This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as a broken windshield, damage from getting keyed, hitting a deer and hail damage. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for bills for dental work, hospital visits, chiropractic care and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
Collision coverages – This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things such as rolling your car, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible on your S5 to bring the cost down.
Cheaper car insurance is a realistic goal
As you go through the steps to switch your coverage, never skimp on coverage in order to save money. Too many times, drivers have reduced physical damage coverage only to regret at claim time that it was a big mistake. Your goal should be to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.
Throughout this article, we presented some good ideas how you can reduce Audi S5 insurance rates online in Houston. The key concept to understand is the more times you quote, the better your comparison will be. You may even be surprised to find that the lowest priced car insurance comes from the least-expected company.
Consumers who switch companies do it for many reasons like policy non-renewal, delays in responding to claim requests, policy cancellation and an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a great new company is actually quite simple.
Much more information about car insurance in Texas can be found at the links below
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- What is the Cheapest Auto Insurance in Houston, TX? (FAQ)
- Who Has the Cheapest Auto Insurance for a Kia Optima in Houston? (FAQ)
- What is Full Coverage? (Allstate)
- Event Data Recorders FAQ (iihs.org)
- Auto Insurance Learning Center (State Farm)
- Booster Seat Ratings (iihs.org)