Save Money on Audi A4 Insurance in Fort Worth

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Insurance for Audi A4If you want to find the absolute lowest rates, then the best way to find low-cost prices for Audi A4 insurance is to compare prices at least once a year from companies that insure vehicles in Fort Worth. Price quotes can be compared by completing these steps.

First, get a basic knowledge of how insurance companies determine prices and the things you can change to keep rates low. Many policy risk factors that drive up the price such as getting speeding tickets and an unacceptable credit rating can be controlled by improving your driving habits or financial responsibility. Later in this article we will cover additional ideas to help reduce prices and find available discounts that you may qualify for.

Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like Progressive or Allstate, while independent agents can provide rate quotes from multiple sources.

Third, compare the quotes to your current policy premium to see if cheaper A4 coverage is available. If you can save some money and decide to switch, make sure coverage does not lapse between policies.

Fourth, notify your agent or company to cancel the current policy. Submit the application along with any required down payment for the new coverage. Make sure you put the new certificate verifying proof of insurance in an easily accessible location.

An important note is to use identical limits and deductibles on each quote request and to quote with every company you can. Doing this guarantees a level playing field and a complete rate analysis.

It's an obvious conclusion that insurance companies don't want policyholders to shop around. Insureds who compare rates once a year are highly likely to move their business because there is a good probability of finding a more affordable policy. A study showed that people who routinely compared quotes saved an average of $860 a year compared to policyholders who don't regularly compare prices.

If finding the best price on Audi A4 insurance is your goal, then learning about the best way to compare cheaper coverage can save time and money.

Just remember that obtaining a wide range of quotes helps increase your odds of locating lower pricing.

The companies in the list below offer free quotes in Fort Worth, TX. If the list has multiple companies, we recommend you compare several of them to get the cheapest price.

Earn discounts to get lower-cost Fort Worth insurance quotes

Insurance is neither fun to buy or cheap, but there may be some discounts to help bring down the price. A few discounts will be applied at quote time, but lesser-known reductions have to be asked for prior to receiving the credit.Save money with discounts

  • Seat Belts Save - Drivers who always wear seat belts and also require passengers to use their safety belts could save 15% off the PIP or medical payment premium.
  • Student in College - Kids who are enrolled in a college that is more than 100 miles from Fort Worth and do not have a car could qualify for this discount.
  • Anti-theft System - Cars, trucks, and SUVs that have factory anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Discounts for Safe Drivers - Insureds without accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
  • Homeowners Savings - Owning a home in Fort Worth can save a few bucks since owning and maintaining a home demonstrates responsibility.
  • Discount for Multiple Policies - If you combine your auto and home policies and insure them with the same company you may earn as much as 10 to 15 percent.
  • Telematics Data - Policyholders that allow their insurance company to spy on where and when they drive by using a telematics device such as State Farm's In-Drive could save a few bucks if their driving habits are good.
  • Discount for Passive Restraints - Factory air bags can receive discounts as much as 30%.
  • Early Switch Discount - A few insurance companies allow discounts for switching policies prior to your current A4 insurance policy expiring. It's a savings of about 10%.

You can save money using discounts, but some of the credits will not apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. Even though it appears all those discounts means the company will pay you, you're out of luck. But all discounts should definitely cut your overall premium however.

The illustration below illustrates the difference between Audi A4 insurance prices with and without discounts being applied to the rates. The information is based on a male driver, no violations or claims, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, multi-car, claim-free, and homeowner discounts applied.

A few of the larger companies and some of the discounts can be found below.

  • State Farm discounts include multiple policy, passive restraint, multiple autos, good driver, defensive driving training, and Drive Safe & Save.
  • Farmers Insurance offers premium reductions for teen driver, early shopping, switch companies, bundle discounts, and electronic funds transfer.
  • Progressive may include discounts for multi-vehicle, online signing, continuous coverage, multi-policy, and homeowner.
  • GEICO includes discounts for military active duty, daytime running lights, multi-vehicle, membership and employees, good student, anti-theft, and multi-policy.
  • Auto-Owners Insurance has discounts for mature driver, good student, air bags, multi-policy, teen driver, anti-theft, and student away at school.
  • The Hartford policyholders can earn discounts including air bag, bundle, anti-theft, vehicle fuel type, and good student.
  • Farm Bureau may have discounts that include safe driver, 55 and retired, youthful driver, renewal discount, and multi-policy.
  • USAA offers discounts for family discount, multi-policy, new vehicle, driver training, annual mileage, and loyalty savings.

When getting a coverage quote, ask all the companies which credits you are entitled to. Savings might not be available to policyholders in your area.

Analysis of coverages

The information shown below covers a range of rate quotes for Audi A4 models. Having a good understanding how rate quotes are formulated is important to be able to make smart choices when buying a car insurance policy.

Audi A4 Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $160 $360 $366 $22 $110 $1,018 $85
A4 2.0T Premium Turbo 4-Dr Sedan $160 $312 $366 $22 $110 $970 $81
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $160 $312 $366 $22 $110 $970 $81
A4 2.0T Quattro Premium Plus Turbo Station Wagon $160 $360 $366 $22 $110 $1,018 $85
A4 2.0T Premium Plus Turbo 4-Dr Sedan $178 $360 $366 $22 $110 $1,036 $86
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $178 $360 $366 $22 $110 $1,036 $86
A4 2.0T Quattro Premium Plus 4-Dr Sedan $178 $360 $366 $22 $110 $1,036 $86
A4 2.0T Quattro Prestige Turbo Station Wagon $178 $360 $366 $22 $110 $1,036 $86
A4 2.0T Quattro Prestige 4-Dr Sedan $178 $360 $366 $22 $110 $1,036 $86
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $178 $360 $366 $22 $110 $1,036 $86
Get Your Own Custom Quote Go

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Information does not factor in specific location which can decrease or increase price quotes considerably.

Comparison of policy deductibles

One of the most common auto insurance questions is how high should the physical damage coverage deductibles be. The rates below can help you visualize the differences in premium rates when you buy lower versus higher insurance deductibles. The first rate table uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Audi A4 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $370 $804 $382 $22 $114 $1,717 $143
A4 2.0T Premium Turbo 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
A4 2.0T Quattro Premium Plus Turbo Station Wagon $370 $804 $382 $22 $114 $1,717 $143
A4 2.0T Premium Plus Turbo 4-Dr Sedan $412 $804 $382 $22 $114 $1,759 $147
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $412 $804 $382 $22 $114 $1,759 $147
A4 2.0T Quattro Premium Plus 4-Dr Sedan $412 $804 $382 $22 $114 $1,759 $147
A4 2.0T Quattro Prestige Turbo Station Wagon $412 $804 $382 $22 $114 $1,759 $147
A4 2.0T Quattro Prestige 4-Dr Sedan $412 $804 $382 $22 $114 $1,759 $147
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $412 $804 $382 $22 $114 $1,759 $147
Get Your Own Custom Quote Go
Audi A4 insurance rates with $500 deductibles
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

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in specific zip code location which can change auto insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $33 more each month or $396 annually than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you have at least 12 months between claim filings, you would more than likely save some money if you elect the higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $100 deductibles: $144
Average monthly premium for $500 deductibles (subtract): - $111
Monthly savings from raising deductible: $33
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 12 months

An important thing to remember is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you have a claim. You must have some extra savings in the event you have to pay the deductible for vehicle repair.

The chart below illustrates how your choice of deductibles and can change Audi A4 insurance prices for different age groups. The costs are based on a single female driver, comp and collision included, and no policy discounts are applied.

Local Fort Worth auto insurance agents and car insurance

Certain consumers would prefer to buy from a local agent. One of the best bonuses of comparing rate quotes online is that drivers can save money and get cheap rate quotes and still have a local agent.

Insurance agents in Fort WorthOnce you complete this short form, the quote information is immediately sent to companies in Fort Worth that can give you free Fort Worth car insurance quotes for your car insurance coverage. It's much easier because you don't need to contact an agency due to the fact that quote results will go immediately to your email address. You can most likely find cheaper rates without a big time investment. If you wish to get a rate quote from a specific company, you would need to go to their quote page and complete a quote there.

Choosing the best provider requires you to look at more than just a cheap price. You should also get answers to these questions.

  • How much can you save by raising your physical damage deductibles?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • If you have an accident, will your rates go up?
  • Is there any savings for paying the full premium?
  • Do you qualify for any additional discounts?

When looking for a good insurance agency, it can be helpful to understand the types of agencies and how they can service your needs differently. Agents in Fort Worth are categorized either independent agents or exclusive agents.

Exclusive Insurance Agencies

Agents in the exclusive channel can only provide pricing for a single company and examples are Farmers Insurance and State Farm. Exclusive agents cannot provide other company's prices so they have to upsell other benefits. Exclusive agents are very knowledgeable in insurance sales which helps them compete with independent agents. Some people will only use the same exclusive agent partially due to the brand legacy and solid financial strength.

Shown below are Fort Worth exclusive insurance agents that can give you price quotes.

More Fort Worth agents

Independent Agents (or Brokers)

Independent agencies are not locked into one company so as a result can place your coverage with multiple insurance companies and find the cheapest rate. If you want to switch companies, they can switch companies in-house and you won't have to switch agencies.

When comparing rates, you will want to check rates from at a minimum one independent agency for maximum quote selection. They often place coverage with small mutual carriers which can save you money.

Shown below is a list of independent insurance agencies in Fort Worth willing to provide comparison quotes.

More Fort Worth agents

Once you have reasonable responses to your questions as well as a affordable price, you've probably found an insurance agent that meets the requirements to provide car insurance coverage. It's important to know that you can always cancel coverage whenever you choose to so don't think that you are obligated to a specific company indefinitely.

Informed Drivers Can Reduce Insurance Rates

Many factors are part of the equation when you get a price on insurance. Some are obvious such as traffic violations, but others are more transparent like your continuous coverage or your commute time. Smart consumers have a good feel for some of the elements that help calculate the level of your policy premiums. When consumers understand what determines base rates, this empowers consumers to make smart changes that may reward you with cheaper rates.

Discounts for married couples - Having a wife or husband helps lower the price when buying auto insurance. Marriage usually means you are more stable financially and insurance companies reward insureds because drivers who are married file infrequent claims.

Pay more if you have a long commute - Residing in a rural area has definite advantages if you are looking for the lowest rates. Fewer drivers and short commutes means reduced accidents and a lower car theft rate. Urban drivers regularly have much more traffic and higher rates of accident claims. More time on the road means more chance of being in an accident.

Never let your auto insurance policy expire - Driving any period of time without insurance is not a good idea and as a result your rates will increase for letting your insurance lapse. In addition to paying higher premiums, the inability to provide proof of insurance may earn you a fine, jail time, or a revoked license.

Good drivers pay the best prices - Your driving citation history has a huge affect on how much you pay. Drivers with clean records get better rates than people who have multiple driving citations. Having just one speeding ticket can bump up the cost by twenty percent. People who have dangerous citations such as DWI, reckless driving or hit and run convictions may find that they have to to file a SR-22 with the DMV in their state in order to legally drive.

The example below shows how violations and at-fault accidents influence Audi A4 car insurance costs for different categories of driver ages. The costs are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are factored in.

Low deductibles cost more - The deductibles define how much you are required to pay if a claim is determined to be covered. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of covered claims are colliding with a stationary object, hail damage, and having a roll-over accident. The more money the insured is willing to pay, the less your company will charge you for insurance.

Audi A4 insurance claim data - Companies include the past claim history for a vehicle to help determine the rate you pay. Models that statistically have higher loss trends will have a higher cost to insure. The next table illustrates the insurance loss data for Audi A4 vehicles.

For each coverage type, the statistical loss for all vehicles compiled together is a value of 100. Values that are below 100 are indicative of better than average losses, while percentages above 100 point to more claims or an increased chance of larger losses than average.

Audi A4 Insurance Claim Statistics
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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Protect more than your vehicle

Even though it can be expensive, insurance serves several important purposes.

  • Almost all states have mandatory liability insurance requirements which means the state requires a specific minimum amount of liability protection if you drive a 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 your A4 has a lienholder, it's guaranteed your bank will force you to have comprehensive coverage to guarantee their interest in the vehicle. If the policy lapses, the lender may have to buy a policy to insure your Audi at a more expensive rate and require you to reimburse them the higher premium.
  • Insurance protects your Audi and your assets. Insurance will pay for many types of medical costs for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also covers legal expenses in the event you are sued. If you have damage to your Audi as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of having insurance greatly outweigh the cost, specifically if you ever have a liability claim. Despite what companies tell you, the average driver overpays more than $830 a year so you should quote your policy with other companies at every policy renewal to ensure rates are inline.

Quote. Compare. Save.

In this article, we presented some good ideas how to reduce Audi A4 insurance auto insurance rates online in Fort Worth. The most important thing to understand is the more you quote Fort Worth car insurance, the more likely it is that you will get a better rate. You may even find the lowest auto insurance rates come from some of the smallest insurance companies.

More affordable car insurance in Fort Worth can be found online and from local agencies, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not have the ability to get a quote online and usually these smaller companies only sell through independent agents.

As you quote Fort Worth car insurance, make sure you don't buy poor coverage just to save money. In many instances, an accident victim reduced physical damage coverage and discovered at claim time that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at the best price, but do not skimp to save money.

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