How to Compare El Paso Audi A4 Insurance

Are you looking for more competitive Audi A4 insurance in El Paso? Vehicle owners who just recently started price shopping car insurance online can find sourcing low cost Audi A4 insurance is quite challenging.

Smart shoppers know that auto insurance companies don’t want you comparing rates. Insureds who perform rate comparisons are very likely to switch auto insurance companies because there are good odds of finding a lower rate. A recent survey discovered that consumers who make a habit of shopping around saved approximately $72 a month compared to other drivers who never compared rates.

If finding the lowest rates on Audi A4 insurance in El Paso is your objective, then having a grasp of the best way to compare insurance can save money and time.

If you have insurance now, you will surely be able to get lower rates using the techniques covered below. Our objective in writing this article is to help you learn how to get online quotes and some tricks to saving. Nevertheless, Texas vehicle owners must comprehend the methods companies use to compete online and apply this information to your search.

Lower rates by qualifying for discounts

Insuring your fleet can be pricey, but you may qualify for discounts that can dramatically reduce your bill. A few discounts will be applied at quote time, but some need to be manually applied before they will apply.

• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Responsible Driver Discount – Drivers without accidents could pay up to 40% less than drivers with accidents.
• Theft Deterrent Discount – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft and will qualify for a discount on a El Paso auto insurance quote.
• Multi-policy Discount – If you have multiple policies with one insurance company you could get a discount of up to 20% off your total A4 insurance premium.
• Home Ownership Discount – Owning a house in El Paso can save you money because it is proof of financial responsibility.
• No Accidents – Claim-free drivers pay less when compared with drivers with a long claim history.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. Even though the math looks like all the discounts add up to a free policy, companies don’t profit that way.

The information below visualizes the comparison of Audi A4 insurance rates with and without some available policy discounts. The premiums assume a female driver, a clean driving record, no claims, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, claim-free, homeowner, and multi-car discounts applied.

If you would like to see a list of providers who offer cheap Audi A4 insurance quotes in El Paso in Texas, click here.

Quote El Paso Audi A4 insurance online

Just remember that comparing all the rates in your area will increase your chances of finding the best rates.

The companies shown below can provide quotes in El Paso, TX. If multiple companies are shown, we recommend you visit several of them in order to get a fair rate comparison.

Audi A4 insurance rates and statistics

The table displayed next showcases detailed analysis of rate quotes for Audi A4 models. Learning as much as possible about how insurance premiums are calculated is important to be able to make smart choices when selecting a policy.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Information does not factor in El Paso location which can impact rates noticeably.

Rate comparison for different deductibles

When buying auto insurance, a common question is which deductibles should you choose. The data tables below show the premium difference between high and low policy deductibles. The first table uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Information does not factor in specific garaging location which can raise or lower insurance rates substantially.

Based on the data above, we can derive that using a $250 deductible will cost you about $18 more each month or $216 for a full year than choosing the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go at least 14 months between claims, you would most likely save money if you elect the higher deductible.

Comparison of auto insurance rates by gender

The example below compares Audi A4 insurance costs for male and female drivers. The price estimates are based on no claims or violations, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are applied to the premium.

Five Things That Affect Your Insurance Costs

Consumers need to have an understanding of a few of the rating criteria that are used to determine auto insurance rates. When you know what positively or negatively impacts premium levels, this allows you to make good choices that can earn you better auto insurance rates.

• Higher physical damage deductibles are cheaper – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Audi. A few examples of covered claims could be running into the backend of another car, damage from fire, and rolling your vehicle. Your deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more of the claim you pay before a claim is paid (deductible), the better rate you will receive.

• Responsible drivers pay less – How you drive has a lot to do with how much you pay for insurance. Drivers who don’t get tickets pay less for auto insurance as compared to those with violations. Even a single driving citation could increase your next policy renewal by twenty percent. Drivers who get serious citations like DUI or reckless driving may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.

  The illustration below illustrates how speeding tickets and at-fault claims impact Audi A4 insurance prices for each age group. The prices are based on a married male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

• Only buy extra coverages you need – Insurance companies have many additional coverages that can waste your money on your A4 policy. Coverages for replacement cost coverage, better glass coverage, and membership fees may not be needed and are just wasting money. These coverages may sound good when talking to your agent, but your money might be better spent on other coverage so eliminate them to save money.
• Bad credit will cost you – A driver’s credit score is likely to be a major factor in calculating your auto insurance rates. If your credit history leaves room for improvement, you could potentially save money when insuring your Audi A4 if you clean up your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings.
• How much liability protection – Your policy’s liability coverage is the protection in the event that you are ruled to be at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides for a legal defense to defend your case. Liability insurance is pretty cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.

• Insurance loss probability for an Audi A4 – Insurance companies include the past claim trends for vehicles when they file their rates in each state. Vehicles that have higher frequency or amount of claims will cost more for coverage.

  The data below shows the loss history for Audi A4 vehicles. For each insurance policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is considered to be 100. Values that are below 100 suggest a positive loss record, while numbers above 100 show a trend for more claims or statistically larger losses.

  
  

  Audi A4 Insurance Loss Statistics

  Specific Audi 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

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Get rate quotes but buy from a local El Paso insurance agent

Many drivers still prefer to get advice from a local agent and doing so can bring peace of mind A nice benefit of comparing auto insurance online is the fact that drivers can get cheap auto insurance rates and also buy local. Buying from local agents is important especially in El Paso.

After completing this short form, the coverage information is instantly submitted to local insurance agents in El Paso who will give competitive quotes for your business. You won’t even need to contact any insurance agencies because quoted prices will be sent to you directly. Get lower rates and work with a local agent. If you wish to compare prices from a specific insurance company, you would need to visit that company’s website and complete a quote there.

Choose the right auto insurance agent

If you need to find a good insurance agency, it’s important to understand the types of agencies and how they operate. Auto insurance agents in El Paso may be either independent or exclusive.

Independent Auto Insurance Agents (or Brokers)

These agents often have many company appointments and that allows them to write policies with many different companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part. When comparing auto insurance prices, it’s recommended you include rate quotes from at least one independent agent to ensure the widest selection of prices. Many can place coverage with small mutual carriers which can be an advantage.

Featured below are El Paso independent agencies that can possibly get you comparison quotes.

• Colonial Insurance Agency
  7636 Gateway Blvd E – El Paso, TX 79915 – (915) 592-0999 – View Map
• Mt. Franklin Insurance Agency
  1444 Montana Ave #202 – El Paso, TX 79902 – (915) 599-2900 – View Map
• RedRock Insurance Agency
  1029 N Zaragoza Rd A – El Paso, TX 79907 – (915) 858-1400 – View Map

More El Paso agents

Exclusive Insurance Agents

These agents can only place business with one company like Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive insurance agents are highly trained on their products and sales techniques which can be an advantage. Consumers sometimes choose to use an exclusive agent mostly because of the prominent brand name rather than low rates.

Shown below are El Paso exclusive insurance agents that can give you price quotes.

• Yvonne Curtis – State Farm Insurance Agent
  1550 Hawkins Blvd Ste 15 – El Paso, TX 79925 – (915) 591-0871 – View Map
• Paul Rosales – State Farm Insurance Agent
  2731 Montana Ave c – El Paso, TX 79903 – (915) 566-3933 – View Map
• Rafael Martinez – State Farm Insurance Agent
  7211 N Mesa St #2w – El Paso, TX 79912 – (915) 581-3276 – View Map

More El Paso agents

Picking the best auto insurance agent is decision based upon more than just a cheap price. The following questions are important to ask.

• Can you get a list of referrals?
• Are there any extra charges for paying monthly?
• Is there a Errors and Omissions policy in force?
• Will they make sure you get an adequate claim settlement?
• Does the agency provide any after hours assistance?
• What are the financial ratings for the companies they represent?
• Do they have a Better Business Bureau rating in El Paso?
• What insurance companies do they recommend if they are an independent agent?

Insurance is not optional in Texas

Despite the potentially high cost of Audi A4 insurance, insurance may be mandatory for several reasons.

First, most states have compulsory liability insurance requirements which means state laws require 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 Audi A4, almost every bank will require that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank will be required to insure your Audi for a much higher rate and require you to pay the higher premium.

Third, insurance safeguards your vehicle and your assets. It will also provide coverage for many types of medical costs for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying enough insurance outweigh the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $800 each year so it’s important to compare rates at least once a year to be sure current rates are still competitive.

More comparisons equals affordable rates

In this article, we covered a lot of information how to reduce Audi A4 insurance car insurance rates online in El Paso. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the best car insurance rates are with a company that doesn’t do a lot of advertising.

The cheapest Audi A4 insurance in El Paso is definitely available online and from local agencies, so get free El Paso auto insurance quotes from both of them to get a complete price analysis. Some insurance providers may not have rate quotes online and usually these small, regional companies prefer to sell through independent agents.

When getting El Paso auto insurance quotes online, do not reduce needed coverages to save money. There are too many instances where an insured cut liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find at the best possible price, but don’t skip important coverages to save money.

How to buy cheaper Audi A4 insurance in El Paso

The recommended way to find lower priced car insurance rates is to compare prices once a year from insurers in El Paso.

Step 1: Get a basic knowledge of car insurance and the changes you can make to prevent expensive coverage. Many rating factors that result in higher rates like high-risk driving behaviors and a negative credit history can be amended by making minor changes in your lifestyle.

Step 2: Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agents can quote prices from many different companies. Compare rates now

Step 3: Compare the new rates to your existing coverage to determine if you can save on A4 insurance. If you find a lower rate quote and buy the policy, make sure there is no coverage gap between policies.

Step 4: Provide adequate notice to your current company of your intent to cancel your current car insurance policy and submit a down payment and signed policy application for your new coverage. Once received, put the new certificate verifying coverage in an accessible location in your vehicle.

A key point to remember is to make sure you’re comparing similar coverage information on each quote and and to get quotes from all possible companies. Doing this enables the most accurate price comparison and a complete price analysis.

Additional resources

• Side Impact Crash Tests (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• Neck Injury FAQ (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)