Locating low-cost insurance for an Audi A4 in Texas can normally be an all-consuming task, but you can learn our car insurance buying tips to make it easier. There are more efficient ways to compare car insurance rates so you’re going to learn the absolute fastest way to compare rates for your Audi and get the lowest possible price from both online companies and Plano agents.
Everyone knows that insurance companies don’t want their customers to go rate shopping. Insureds who get price quotes annually are highly likely to switch car insurance companies because of the high probability of finding a more affordable policy premium. A study showed that consumers who regularly compared rates saved on average $3,450 over four years compared to policyholders who never compared prices.
If finding budget-friendly insurance is your goal, understanding how to get price quotes and compare insurance premiums can help simplify the process.
Consumers need to shop coverage around yearly because prices are adjusted regularly by insurance companies. Even if you think you had the lowest quotes on Audi A4 insurance in Plano a couple years back you may be paying too much now. You can find a lot of wrong information about A4 insurance out there, but in a few minutes you can learn some guaranteed methods to lower your car insurance bill.
You may qualify for discounts for Audi A4 insurance in Plano
Insurance can cost an arm and a leg, but you might already qualify for some discounts to help bring down the price. Most are applied when you get a quote, but a few need to be specifically requested before they will apply.
- Discount for Good Grades – A discount for being a good student can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
- No Claims – Insureds with no claims or accidents pay less when compared to insureds who have frequent claims or accidents.
- Multi-policy Discount – When you have multiple policies with the same insurance company you will save nearly 15% which can help you find cheaper A4 insurance.
- Discount for Passive Restraints – Options like air bags or motorized seat belts can qualify for discounts of 20 to 30 percent.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save a little on the premium charged for medical payments and/or PIP.
- Full Payment Discount – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
Don’t be surprised that most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, you’re out of luck.
The example below illustrates the comparison of Audi A4 car insurance rates with and without discounts applied to the policy rates. Data assumes a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, multi-car, homeowner, and safe-driver discounts applied.
Some companies that may offer policyholders some of the discounts shown above include:
Before you buy a policy, ask each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not apply everywhere.
Lowering your Audi A4 auto insurance rates is not rocket science. Just spend a few minutes to get quotes to find out which insurance company has the cheapest Audi A4 rate quotes.
The companies in the list below provide free rate quotes in Texas. If you want to find the best cheap car insurance in Plano, we recommend you get prices from several of them to get a more complete price comparison.
Analysis of coverages
The table displayed below covers detailed analysis of insurance coverage prices for Audi A4 models. Having insight into how auto insurance prices are determined can be valuable when making smart policy decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A4 2.0T Quattro Premium Turbo Station Wagon||$270||$542||$382||$22||$114||$1,330||$111|
|A4 2.0T Premium Turbo 4-Dr Sedan||$270||$472||$382||$22||$114||$1,260||$105|
|A4 2.0T Quattro Premium Turbo 4-Dr Sedan||$270||$472||$382||$22||$114||$1,260||$105|
|A4 2.0T Quattro Premium Plus Turbo Station Wagon||$270||$542||$382||$22||$114||$1,330||$111|
|A4 2.0T Premium Plus Turbo 4-Dr Sedan||$300||$542||$382||$22||$114||$1,360||$113|
|A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan||$300||$542||$382||$22||$114||$1,360||$113|
|A4 2.0T Quattro Premium Plus 4-Dr Sedan||$300||$542||$382||$22||$114||$1,360||$113|
|A4 2.0T Quattro Prestige Turbo Station Wagon||$300||$542||$382||$22||$114||$1,360||$113|
|A4 2.0T Quattro Prestige 4-Dr Sedan||$300||$542||$382||$22||$114||$1,360||$113|
|A4 2.0T Quattro Prestige Turbo 4-Dr Sedan||$300||$542||$382||$22||$114||$1,360||$113|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rates do not factor in specific garaging location which can increase or decrease premium rates greatly.
The information below shows how choosing a deductible and can affect Audi A4 premium costs for different age groups. The price estimates are based on a married female driver, comp and collision included, and no other discounts are factored in.
Careless Plano drivers pay higher rates
The diagram below shows how traffic citations and at-fault claims drive up Audi A4 insurance costs for each different age group. Data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
Do you need full coverage?
The example below illustrates the comparison of Audi A4 insurance prices with full coverage compared to only the Texas minimum liability coverage. The premiums are based on no claims or violations, $250 deductibles, single marital status, and no discounts are factored in.
Are you wasting money paying for full coverage?
There is no clear-cut rule to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
For example, let’s say your Audi A4 book value is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,000 after you pay the deductible. If it’s costing you more than $300 annually for comprehensive and collision coverage, then you might consider buying liability only.
There are some circumstances where eliminating full coverage is not a good idea. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Lower Your Plano Insurance Premiums
Many different elements are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, although others are not quite as obvious like where you live or your commute time. It’s important that you understand the factors that are used to determine your auto insurance rates. If you understand what determines base rates, this enables informed choices that may reward you with big savings.
The list below includes some of the things used by companies to determine prices.
Big city or small town – Being located in less populated areas can be a good thing when it comes to auto insurance. People who live in big cities regularly have more traffic problems and a longer drive to work. Less people means fewer accidents in addition to fewer liability claims.
Policy add-ons could be costing you – Insurance companies have many additional extra coverages that can waste your money if you aren’t careful. Insurance for things like rental car coverage, towing coverage, and term life insurance may not be needed and are just wasting money. They may seem good initially, but now you might not need them so get rid of them and save.
Liability coverage limits are a factor – Liability insurance is the protection if ever a jury decides you are liable for physical damage or personal injury to other. Liability insurance provides you with a defense in court which can cost thousands of dollars. It is affordable coverage when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
You may save more by bundling policies – Some insurance companies will give lower prices to clients that have more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, consumers should still compare Audi A4 rates in Plano to help ensure you have the lowest rates. Drivers may still save even more than the discount by buying from different companies
Keep rates low by being claim-free – Car insurance companies in Texas award the lowest premiums to people who do not file claims often. If you’re an insured who likes to file claims you can pretty much guarantee higher rates. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
Vehicle risk affects rates – The make and model of the car you are trying to find cheaper insurance for makes a substantial difference in your rates. The cheapest rates are for lower performance four cylinder passenger cars, but many other things help determine your insurance rates.
The following chart uses these assumptions: single female driver age 50, full coverage with $500 deductibles, and no discounts or violations. It compares Audi A4 insurance premiums compared to other models that have different performance rating factors.
Insurance loss statistics an Audi A4 – Insurance companies take into consideration historical loss data for every vehicle to determine a rate that will be profitable for them. Vehicles that the data determines to have higher loss trends will have higher premium rates.
The next table shows the insurance loss data for Audi A4 vehicles. For each coverage type, the loss probability for all vehicles as a whole is set at 100. Percentage values below 100 mean the vehicle has better than average losses, while values over 100 point to more frequent losses or an increased chance of larger losses than average.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Audi A4 4dr 2WD||179||107||103||80||112||100|
|Audi A4 4dr 4WD||160||94||118||66||68||77|
|Audi A4 Allroad Station Wagon 4WD||145||84||110||47||47||70|
Statistics from IIHS.org for 2013-2015 Model Years
Comparing prices from local Plano insurance agents
Certain consumers would rather have an agent’s advice and that can be a great decision Most agents can help you choose the best coverages and give you someone to call. One of the benefits of comparing rate quotes online is you can get cheap insurance quotes and still have a local agent.
By using this form (opens in new window), your insurance coverage information gets sent to participating agents in Plano who will gladly provide quotes and help you find cheaper coverage. You don’t have to do any legwork because prices are sent instantly to you. If for some reason you want to compare prices from a specific insurance provider, don’t hesitate to jump over to their website and fill out their quote form.
Selecting a insurance company should include more criteria than just the bottom line cost. Here are some questions you should ask.
- Do they regularly work with personal auto policies in Plano?
- Are aftermarket or OEM parts used to repair vehicles?
- Do the agents have professional certifications like CPCU or CIC?
- What discounts might you be missing?
- Are they properly licensed to sell insurance in Texas?
- Will the company cover a rental car if your car is getting fixed?
- How much will you save each year by using a higher deductible?
Best auto insurance agent in Plano
If you are searching for a local insurance agency, you should know the different types of agents and how they are slightly different. Agencies in Plano can be described as either independent or exclusive depending on the company they work for. Either one can sell insurance policies, but we need to point out why they differ because it can influence which agent you choose.
Exclusive Insurance Agencies
Agents that elect to be exclusive work for only one company such as American Family, State Farm, and AAA. These agents are not able to provide prices from multiple companies so they have to upsell other benefits. These agents are well schooled in insurance sales and that can be a competitive advantage. Drivers often purchase coverage from exclusives primarily because of the brand legacy rather than low price.
The following is a short list of exclusive insurance agents in Plano who can help you get rate quotes.
- Brad Salter – State Farm Insurance Agent
8000 Coit Rd #100 – Plano, TX 75025 – (972) 731-0350 – View Map
- Farmers Insurance – Joseph Qiu
5016 Tennyson Pkwy – Plano, TX 75024 – (972) 781-0808 – View Map
- Byron Wilkerson – State Farm Insurance Agent
9720 Coit Rd #140 – Plano, TX 75025 – (214) 618-5700 – View Map
Independent Agents (or Brokers)
Agents in the independent channel do not have single company limitations so they have the ability to put coverage with any number of different companies and help determine which has the cheapest rates. If they find a cheaper price, your agent can switch companies and you don’t have to do anything.
When comparison shopping, we highly recommend that you compare prices from at a minimum one independent agency to get the most accurate price comparison. Many write coverage with smaller companies that may provide cheaper insurance rates.
Below are independent agencies in Plano willing to provide price quote information.
- Matt Lohoefer Insurance
5805 Coit Rd #401 – Plano, TX 75093 – (972) 964-0113 – View Map
- Sterling Insurance Group
3415 Custer Rd #161 – Plano, TX 75023 – (972) 964-4825 – View Map
- Hallmark Insurance Co
6500 Pinecrest Dr – Plano, TX 75024 – (800) 486-5616 – View Map
Insurance is an important decision
Despite the potentially high cost of Audi A4 insurance, paying for insurance may be mandatory for several reasons.
- Almost all states have mandatory liability insurance requirements which means state laws require specific limits of liability in order to license the vehicle. 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.
- If you have a loan on your Audi, more than likely the lender will require that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender will be forced to insure your Audi at a more expensive rate and force you to pay much more than you were paying before.
- Insurance safeguards not only your Audi but also your financial assets. Insurance will also pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of insuring your A4 greatly outweigh the cost, particularly for liability claims. The average driver in America overpays as much as $810 a year so compare quotes from several companies every year to make sure the price is not too high.
Car insurance company ratings
Picking the right insurance company can be challenging considering how many companies provide coverage in Texas. The company rank data listed below can help you analyze which providers to look at when shopping around.
Top 10 Plano Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Don’t give up on cheap premiums
We just presented a lot of tips how to find lower-cost Audi A4 insurance in Plano. The key thing to remember is the more quotes you get, the better likelihood of getting cheaper Plano auto insurance quotes. You may even find the most savings is with the least-expected company.
People switch companies for a variety of reasons including not issuing a premium refund, extreme rates for teen drivers, policy cancellation and poor customer service. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.
As you quote Plano auto insurance, it’s very important that you do not buy poor coverage just to save money. In too many instances, consumers will sacrifice physical damage coverage and found out when filing a claim that the savings was not a smart move. Your goal should be to purchase plenty of coverage at the best cost, but don’t skip important coverages to save money.
How to find low-cost rates for Audi A4 insurance in Plano
If you want to find the absolute lowest rates, then the best way to find low-cost prices for Audi A4 insurance in Plano is to regularly compare price quotes from insurers who provide auto insurance in Texas. Drivers can shop around by following these steps.
- Spend some time learning about coverages and the modifications you can make to prevent expensive coverage. Many risk factors that result in higher rates like traffic citations and an unacceptable credit history can be eliminated by making small lifestyle or driving habit changes.
- Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like Progressive or Allstate, while agents who are independent can provide prices from multiple companies. View rates
- Compare the new rates to your existing policy to see if a cheaper rate is available in Plano. If you find a better price, make sure coverage does not lapse between policies.
- Notify your agent or company of your decision to cancel your existing policy and submit a down payment along with a signed application to the new insurer. Once the application is submitted, safely store the proof of insurance certificate in your vehicle’s glove compartment or console.
The critical component of shopping around is to try to use identical coverages on each quote and and to analyze as many companies as possible. Doing this provides a fair price comparison and the best rate selection.
For more information, feel free to visit the following helpful articles:
- Tread Depth and Tire Safety (State Farm)
- What Auto Insurance is Cheapest for a Subaru Outback in Plano? (FAQ)
- How Much are Car Insurance Quotes for Drivers Under 25 in Plano? (FAQ)
- Teen Driving and Texting (State Farm)
- Rental Car Insurance Tips (Insurance Information Institute)
- How to shop for a safer car (Insurance Institute for Highway Safety)