Did a good deal turn out to be an underperforming, overpriced insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse.
Sad but true, almost 70% of drivers have remained with the same insurance company for more than four years, and about 40% of consumers have never compared rates to find cheaper insurance. Houston consumers could save almost $1,800 a year just by getting comparison quotes, but they just don’t understand how much they could save if they just switched companies.
Since drivers have many choices of insurance companies that have affordable insurance for an Audi SQ5 in Houston, it can be hard to locate the most cost effective insurance provider.
Quoting and comparing rates for the most affordable insurance coverage in Houston is not as difficult as people think. In essence, every car owner who has to buy insurance most likely will be able to lower their premiums. Nevertheless, Texas car owners must learn how insurance companies calculate their prices because rates are impacted by many factors.
Auto insurance providers offering competitive price quotes in Texas
The companies in the list below are our best choices to provide comparison quotes in Houston, TX. If multiple companies are shown, it’s a good idea that you compare several of them in order to find the lowest rates.
Insurance discounts help lower rates for Audi SQ5 insurance in Houston
Insurance can cost an arm and a leg, but you may qualify for discounts that may help make it more affordable. Certain discounts will be applied at the time of quoting, but some discounts are required to be manually applied prior to receiving the credit.
- Discounts for New Vehicles – Adding a new car to your policy can get you a discount because new model year vehicles have to meet stringent safety requirements.
- Theft Deterrent – Vehicles that have factory anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Houston car insurance quote.
- Early Signing – A few insurance companies give discounts for switching to them early. This discount can save up to 10%.
- Multi-policy Discount – When you have multiple policies with one insurance company you may save up to 20% off your total SQ5 insurance premium.
- Driver Training Discounts – Passing a course in defensive driving may get you a small discount if your company offers it.
- Discounts for Good Drivers – Safe drivers can get discounts for up to 45% lower rates than drivers with accidents.
- Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of more than 20%.
- Memberships – Being a member of a professional or civic organization is a good way to get lower rates on your next renewal.
- Telematics Discount – People who choose to allow their insurance company to study driving patterns by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they have good driving habits.
A quick disclaimer, most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, that’s just not realistic.
Companies that have these benefits are:
Before buying, ask all companies you are considering which credits you are entitled to. Discounts might not apply in Houston. For a list of insurance companies that offer many of these discounts in Texas, click here.
Independent versus exclusive auto insurance agents
Many drivers still like to sit down with an agent and that is just fine! A good thing about getting free rate quotes online is you may find the lowest rates and also buy local. Buying from and supporting local agencies is important especially in Houston.
After filling out this simple form, the coverage information is immediately sent to participating agents in Houston that provide free Houston car insurance quotes and help you find cheaper coverage. There is no reason to contact an agency because prices are sent instantly to you. You can find the lowest rates without the usual hassles of price shopping. If for some reason you want to get a price quote from a specific insurance company, you would need to navigate to their website and fill out their quote form.
If you are searching for a good Houston insurance agent, you need to know there are two different types of agencies and how they can quote your rates. Insurance agents in Houston are classified as either independent agents or exclusive agents.
Independent Insurance Agents
Agents of this type can quote rates with many companies so they have the ability to put coverage with a variety of different insurance companies and find you cheaper rates. If your premiums go up, they simply move the coverage in-house which is easy for the insured.
If you need cheaper insurance rates, it’s recommended you compare quotes from multiple independent agents so that you can do a thorough price comparison.
Listed below is a partial list of independent agencies in Houston that may be able to provide free insurance quotes.
Exclusive Insurance Agencies
Agents in the exclusive channel generally can only insure with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. They usually cannot place coverage with different providers so they are skilled at selling on more than just price. They are very knowledgeable on their products and sales techniques which helps them sell on service rather than price.
Shown below is a short list of exclusive agencies in Houston who can help you get price quotes.
Selecting an auto insurance agent requires you to look at more than just the price. Here are some questions you might want to ask.
- Are claims handled at the agent’s location?
- Are they actively involved in the community?
- Are you getting all the discounts the company offers?
- Can they provide you with a list of referrals?
- Are they full-time agents?
After getting positive feedback to all your questions as well as a price you’re happy with, chances are good that you have found an auto insurance agent that meets the requirements to properly insure your vehicles. Just keep in mind it’s your policy and you can cancel a policy at any point so don’t assume you are locked into a specific company for the full policy term.
Insurance savings promises
Well-known insurance companies like Allstate, GEICO and Progressive endlessly run ads on television and other media. They all seem to state the claim of big savings if you switch to their company. How does each company have lower policy pricing?
All companies have underwriting criteria for the type of driver that makes them money. For instance, a desirable risk may be between the ages of 40 and 55, insures multiple vehicles, and does not commute to work. A customer who meets those qualifications will probably get the lowest premium rates and will also save money with a new company.
Drivers who fall outside this stringent profile will probably be forced to pay more expensive rates which results in the customer not buying. If you listen to the ad wording, they say “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can make claims like that.
Different companies use different criteria so you really need to compare many company’s prices. Because you never know with any certainty which company will fit your personal profile best.
Everyone needs different auto insurance coverages
When it comes to insurance from an agent or online, there really is no one-size-fits-all type of policy. Your situation is unique.
For instance, these questions may help highlight whether or not you may require specific advice.
- Why are teen drivers so expensive to add on to my policy?
- When should I not file a claim?
- Are there companies who specialize in insuring high-risk drivers?
- Do I need medical payments coverage since I have good health insurance?
- What does roadside assistance cover?
- Can my babysitter drive my car?
- Do I pay less for low miles?
- When should I buy a commercial auto policy?
- What is the minimum liability in Texas?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form.
Specifics of your insurance policy
Knowing the specifics of insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Uninsured or underinsured coverage – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Audi SQ5.
Because many people only carry the minimum required liability limits (30/60/25 in Texas), their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.
Collision – This covers damage to your SQ5 resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things such as hitting a parking meter, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible on your SQ5 to get cheaper collision coverage.
Liability auto insurance – Liability insurance provides protection from damages or injuries you inflict on other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 30/60/25 which means $30,000 bodily injury coverage, a total of $60,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.
Liability coverage pays for things such as structural damage, medical expenses, legal defense fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford. Texas requires minimum liability limits of 30/60/25 but drivers should carry more coverage.
Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like ambulance fees, chiropractic care, doctor visits and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive protection – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things like hitting a deer, damage from flooding, hail damage, fire damage and hitting a bird. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
You can find affordable coverage
Consumers change insurance companies for any number of reasons including poor customer service, being labeled a high risk driver, delays in responding to claim requests and even lack of trust in their agent. Whatever your reason, finding a great new company is pretty simple and you could end up saving a buck or two.
More affordable insurance in Houston is attainable on the web in addition to many Houston insurance agents, so you need to shop Houston car insurance with both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and most of the time these smaller providers only sell through independent insurance agencies.
You just read some good ideas how to lower your Audi SQ5 insurance premium rates in Houston. The key thing to remember is the more times you quote, the better chance you’ll have of finding low cost Houston car insurance quotes. You may even be surprised to find that the lowest priced insurance comes from some of the smallest insurance companies.
Additional insurance information can be found at the links below
- Should I Buy a New or Used Car? (Allstate)
- What Insurance is Cheapest for Seniors in Houston? (FAQ)
- Get the Right Protection (InsureUonline.org)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Can I Drive Legally without Insurance? (Insurance Information Institute)