Astonishing but true according to a recent study, a large majority of drivers have been with the same company for a minimum of four years, and just short of a majority have never compared rates from other carriers. With the average car insurance premium being $2,679, Fort Worth drivers can cut their rates by 70% a year by just shopping around, but most tend to underestimate the large savings they would see if they switch to a new company.
If you want to find the absolute lowest rates, then the best way to find cheaper Audi A5 insurance in Fort Worth is to regularly compare prices from different companies who can sell car insurance in Texas.
- Get a basic knowledge of what coverages are included in your policy and the factors you can control to prevent expensive coverage. Many things that cause high rates such as accidents, traffic tickets, and a poor credit score can be controlled by making minor changes to your lifestyle.
- Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like GEICO and State Farm, while agents who are independent can provide prices from many different companies.
- Compare the new rate quotes to the price on your current policy and see if there is a cheaper rate in Fort Worth. If you find better rates and make a switch, make sure coverage does not lapse between policies.
A key point to remember is to make sure you're comparing the same level of coverage on each quote request and and to get price estimates from as many auto insurance providers as possible. This ensures an apples-to-apples comparison and a complete rate analysis.
Get Cheaper Insurance Premiums by Understanding These Factors
An important part of buying insurance is that you know a few of the rating criteria that play a part in calculating insurance rates. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that could result in cheaper rates. Lots of things are part of the calculation when pricing auto insurance. Some factors are common sense like a motor vehicle report, but other factors are not as apparent such as whether you are married and annual miles driven.
Responsible drivers pay less - Good drivers pay less for auto insurance compared to drivers with tickets. Even one moving violation may increase your cost by as much as thirty percent. Drivers who have gotten severe tickets like hit and run, DWI or reckless driving convictions may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state DMV in order to legally drive a vehicle.
The illustration below highlights how speeding tickets and fender-benders raise Audi A5 insurance costs for different age groups. The premium estimates are based on a married female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
Responsible credit saves on insurance - Credit score is a large factor in calculating your insurance rates. Therefore, if your credit score could use some work, you could pay less to insure your Audi A5 if you clean up your credit. Drivers who have very high credit ratings tend to be more responsible and file fewer claims than drivers with poor credit.
Never go without insurance - Allowing your insurance policy to lapse is a guaranteed way to increase your renewal premiums. In addition to paying higher rates, not being able to provide proof of insurance might get you a steep fine or even jail time.
Employer can influence premiums - Did you know your occupation can influence how much you pay for insurance? Jobs like judges, police officers, and dentists are shown to have higher average rates due to job stress and incredibly demanding work hours. On the other hand, jobs like farmers, athletes and retirees have lower than average premiums.
Small coverages can add up - There are a lot of additional extra coverages that may not really be needed but may not be useful. Insurance for things like rental car coverage, towing, and membership fees could be just wasting money. They may seem good when buying your policy, but if you've never needed them in the past eliminate them to save money.
When should you file insurance claims? - If you file a lot of claims you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies in Texas give cheaper rates to people that do not abuse their auto insurance. Your insurance policy is intended for larger claims.
Insurance rates in urban areas - Living in a rural area has definite advantages when talking about insurance. Drivers in populated areas tend to have more aggressive driving styles and much longer commute distances. Less people living in that area corresponds to lower accident rates.
Men are more aggressive - Statistics have proven that men are more aggressive behind the wheel. However, don't assume that females are better drivers. Males and females have accidents in similar numbers, but the male of the species have accidents that have higher claims. Not only are claims higher, but men have more aggressive citations like driving under the influence (DUI). Male teenagers are the most expensive to insure and therefore have the most expensive insurance rates.
The illustration below shows the comparison of Audi A5 auto insurance rates for male and female drivers. The premiums assume no violations or accidents, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are taken into consideration.
Loss statistics for an Audi A5 - Companies take into consideration historical loss data for every vehicle as a way to help calculate a profitable premium price. Vehicles that historically have higher frequency or amount of claims will have increased rates.
The table shown below demonstrates the insurance loss data used by companies for Audi A5 vehicles. For each coverage category, the claim probability for all vehicles, as an average, is a value of 100. Values under 100 represent a good loss history, while values that are above 100 show a trend for more claims or larger claims.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Audi A5 2dr 4WD||196||92||140||73||83||100|
|Audi A5 Convertible 4WD||147||73||140||56|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
All the larger auto insurance companies such as GEICO, State Farm and Progressive allow you to get price estimates on the web. Getting online quotes for Audi A5 insurance in Fort Worth is pretty easy as you just enter your coverage preferences into a form. When the form is submitted, their rating system makes automated requests for your driving record and credit report and returns a price based on the data you entered.
Quoting online for Audi A5 insurance in Fort Worth makes it easy to compare insurance prices and it is imperative to get many rate quotes if you want to get cheap auto insurance pricing.
If you want to get comparison pricing now, compare rates now from the companies shown below. If you currently have coverage, we recommend you replicate your coverages as close as possible to your current policy. Using the same limits helps guarantee you will have comparison quotes based on identical coverages.
The companies shown below have been selected to offer free quotes in Texas. If multiple companies are listed, we suggest you click on several of them in order to find the most competitive rates.
Audi A5 insurance rates and statistics
The price information below outlines a range of insurance rates for Audi A5 models. Having insight into how premiums are calculated can aid in making decisions on which insurance to purchase.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A5 2.0T Quattro Premium 2-Dr Coupe||$344||$542||$424||$26||$128||$1,464||$122|
|A5 2.0T Quattro Premium Plus 2-Dr Coupe||$344||$542||$424||$26||$128||$1,464||$122|
|A5 3.2 Quattro Prestige 2-Dr Coupe||$344||$614||$424||$26||$128||$1,536||$128|
|A5 3.2 Quattro Premium Plus 2-Dr Coupe||$344||$614||$424||$26||$128||$1,536||$128|
|A5 2.0T Quattro Prestige 2-Dr Coupe||$344||$614||$424||$26||$128||$1,536||$128|
|A5 2.0T Premium 2-Dr Convertible||$344||$614||$500||$30||$150||$1,638||$137|
|A5 2.0T Premium Plus 2-Dr Convertible||$344||$614||$500||$30||$150||$1,638||$137|
|A5 2.0T Quattro Prestige S-Line 2-Dr Coupe||$378||$614||$424||$26||$128||$1,570||$131|
|A5 2.0T Prestige S-Line 2-Dr Convertible||$378||$614||$500||$30||$150||$1,672||$139|
|A5 2.0T Prestige 2-Dr Convertible||$378||$614||$500||$30||$150||$1,672||$139|
|A5 3.2 Quattro Prestige S-Line 2-Dr Coupe||$378||$686||$424||$26||$128||$1,642||$137|
|Get Your Own Custom Quote Go|
Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rates do not factor in specific Fort Worth garaging location which can revise premium rates noticeably.
Price comparison of only insuring for liability
The chart below shows the difference between Audi A5 insurance costs with and without physical damage coverage. The rate quotes are based on no claims, a clean driving record, $250 deductibles, drivers are single, and no discounts are applied to the premium.
When to stop buying comprehensive and collision coverage
There is no written rule to eliminate physical damage coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let's assume your Audi A5 replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after you pay the deductible. If you are currently paying more than $400 annually to have full coverage, the it may be a good time to stop paying for full coverage.
There are some conditions where eliminating full coverage is not a good idea. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.
Auto insurance does more than just repair your car
Even though Fort Worth A5 insurance rates can get expensive, paying for auto insurance is a good idea for several reasons.
- Just about all states have minimum liability requirements which means you are required to carry specific limits of liability insurance coverage 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.
- If you have a lien on your vehicle, almost every bank will require you to have full coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the bank may insure your Audi at a more expensive rate and require you to pay the higher premium.
- Insurance protects both your vehicle and your personal assets. It will also provide coverage for all forms of medical expenses for yourself as well as anyone injured by you. Liability coverage also covers legal expenses if anyone sues you for causing an accident. If you have damage to your Audi as the result of the weather or an accident, your auto insurance policy will pay to have it repaired.
The benefits of buying enough insurance are without a doubt worth the cost, especially with large liability claims. Unknowingly, the average driver is wasting up to $865 each year so it's important to compare rates once a year at a minimum to make sure the price is not too high.
Auto insurance discounts help lower rates for Audi A5 insurance in Fort Worth
Auto insurance is not cheap nor is it fun to buy but you may find discounts that you may not even know about. Many of these discounts will be applied automatically when you purchase, but some need to be inquired about prior to receiving the credit.
- Savings for New Vehicles - Buying coverage on a new vehicle can be considerably cheaper since new vehicles have better safety ratings.
- Anti-lock Brake System - Cars and trucks that have anti-lock braking systems can reduce accidents so you can save 10 percent or more.
- Senior Discount - Older drivers may qualify for a slight reduction on a Fort Worth auto insurance quote.
- Data Collection Discounts - People who choose to allow companies to look at driving habits by using a small device installed in their vehicle such as Progressive's Snapshot and State Farm's In-Drive could save a few bucks if they are good drivers.
- Paperwork-free - Many insurance companies will give a small break for completing your application on your computer.
A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn't work that way.
The example below shows the difference between Audi A5 insurance costs with and without discounts applied to the policy premium. The premiums are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, marriage, homeowner, and claim-free discounts applied.
A partial list of companies who might offer some of the discounts shown above are:
If you need low cost Fort Worth auto insurance quotes, ask each company or agent to give you their best rates. All car insurance discounts might not be available to policyholders in Fort Worth. To see a list of auto insurance companies that offer the discounts shown above in Fort Worth, click here to view.
Buying from auto insurance agents
Certain consumers would prefer to buy from a licensed agent and we recommend doing that Licensed agents can help you choose the best coverages and help you file claims. The best thing about price shopping on the web is you can get better rates and still have a local agent.
To help locate an agent, after submitting this quick form, your insurance data gets sent to participating agents in Fort Worth who will return price quotes for your business. You never need to visit any agencies since price quotes are sent to the email address you provide. If you need to compare rates from a specific insurance company, feel free to go to their quote page to submit a rate quote request.
Finding the right provider shouldn't rely on just the bottom line cost. Below are some questions you should ask.
- Will you work with the agent or an assistant?
- Can glass repairs be made at your home?
- What insurance companies do they work with in Fort Worth?
- Is there a local claims center in Fort Worth?
- Will the company cover a rental car if your car is getting fixed?
Shown below is a short list of insurers in Fort Worth willing to provide price quote information for Audi A5 insurance in Fort Worth.
- Amado Flores - State Farm Insurance Agent
3345 Western Center Blvd Ste 180 - Fort Worth, TX 76137 - (817) 232-3000 - View Map
- Nationwide Insurance: Morris Curlee Jr
3000 Altamesa Blvd #150 - Fort Worth, TX 76133 - (817) 370-9838 - View Map
- Luna Insurance Agency
4475 Hemphill St - Fort Worth, TX 76115 - (817) 744-8150 - View Map
- Woods Insurance Agency
2740 Western Center Blvd #504 - Fort Worth, TX 76131 - (817) 232-1580 - View Map
Your car insurance coverage should be tailored to you
Always keep in mind that when comparing a policy, there really isn't a cookie cutter policy. Your needs are unique to you so your insurance should reflect that For instance, these questions may help highlight whether or not you will benefit from professional help.
- What happens if I owe more than my Audi A5 is worth?
- Is my nanny covered when transporting my kids?
- Is rental equipment covered for theft or damage?
- If I drive on a suspended license am I covered?
- What is motorclub and do I need it?
- Why am I required to get a high-risk car insurance policy?
- Why are teen drivers so expensive to add on to my policy?
- Does coverage extend to a rental car in a foreign country?
- Do I benefit by insuring my home with the same company?
- Why am I required to buy liability insurance?
If you don't know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.
You can find cheap coverage
Low-cost Audi A5 insurance in Fort Worth is attainable both online in addition to many Fort Worth insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide rate quotes online and usually these regional insurance providers prefer to sell through independent insurance agencies.
When buying insurance coverage, it's very important that you do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.
You just read some good ideas how to shop for Audi A5 insurance online. It's most important to understand that the more companies you get premium rates for, the better your chances of lowering your premium rates. Drivers may even discover the best price on insurance is with some of the lesser-known companies. Some small companies may have significantly lower premium rates on certain market segments than their larger competitors like Allstate and Progressive.
More detailed insurance information is located by following these links:
- What to do at the Scene of an Accident (Insurance Information Institute)
- Who Has the Cheapest Fort Worth Auto Insurance for Teenagers? (FAQ)
- What Car Insurance is Cheapest for a 20 Year Old Male in Fort Worth? (FAQ)
- Learn About Car Insurance (GEICO)
- Reducing Your Risks in a Car Crash Video (iihs.org)