Audi A4 Insurance Rate Quotes in Dallas

The recommended way to get discount Audi A4 insurance is to regularly compare price quotes from providers in Dallas.

• Step 1: Read and learn about how companies set rates and the things you can control to keep rates in check. Many risk factors that cause rate increases like traffic citations and a bad credit rating can be rectified by making small lifestyle or driving habit changes.
• Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can give you price quotes for a wide range of companies. Start a quote
• Step 3: Compare the price quotes to the premium of your current policy to see if a cheaper rate is available. If you find a lower rate and switch companies, make sure coverage is continuous and does not lapse.
• Step 4: Notify your current company of your decision to cancel your current policy and submit a completed application and payment to your new company or agent. As soon as you receive it, store the proof of insurance paperwork with your vehicle’s registration.

A good tip to remember is to use identical coverages on each quote request and and to get quotes from every company you can. Doing this helps ensure the most accurate price comparison and the best price selection.

A recent study showed that a large majority of drivers have been with the same company for a minimum of four years, and approximately 40% of consumers have never shopped around. Texas drivers could cut their rates by $1,800 a year, but they don’t know the rate savings if they swap their current policy for a cheaper one.

The best way we recommend to compare car insurance rates for Audi A4 insurance in Dallas is to take advantage of the fact most larger insurance companies allow for online access to give rate comparisons. To begin a comparison, all you need to do is provide details like how much school you completed, which vehicles you own, how old drivers are, and level of coverage desired. Those rating factors is then sent to multiple top-rated companies and they provide comparison quotes immediately.

To find the cheapest Audi A4 insurance rates, click here and enter the information requested.

The companies shown below provide quotes in Dallas, TX. If the list has multiple companies, it’s a good idea that you visit as many as you can to find the lowest car insurance rates.

Analysis of Audi A4 rates

The premium table below covers estimates of coverage prices for Audi A4 models. Learning a little about how auto insurance prices are figured can help customers make informed decisions.

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price estimates do not factor in zip code location which can impact price quotes considerably.

Policy deductible comparison

A question often asked by Dallas drivers is where to set your physical damage deductibles. The figures shown below help summarize the cost difference between high and low policy deductibles. The first rate comparisons uses a $100 deductible and the second set of rates uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in zip code location which can revise premiums significantly.

Based on the above data, using a $100 deductible would cost the average driver about $48 more each month or $576 a year than quoting the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 19 months between claims, you would save more money if you elect the higher deductible.

The illustration below highlights how deductible selection and can raise or lower Audi A4 insurance premiums for each different age category. The costs are based on a married female driver, full physical damage coverage, and no discounts are factored in.

Impact of age and gender on insurance rates

The chart below illustrates the difference between Audi A4 yearly insurance costs for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, comp and collision included, $100 deductibles, marital status is single, and no discounts are factored in.

Full coverage rates vs. liability-only

The information below compares Audi A4 car insurance costs when comparing full coverage to liability only. The rate quotes are based on no accidents or driving violations, $100 deductibles, single status, and no discounts are applied.

When to stop paying for full coverage

There isn’t a written rule that works best for making the decision to drop full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Audi A4 settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $8,000 after you pay the deductible. If it’s costing you more than $800 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some circumstances where eliminating full coverage is not financially feasible. If you haven’t paid off your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Car insurance protects more than just your car

Despite the high insurance cost for a Audi A4 in Dallas, paying for car insurance is required for several reasons.

• Just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level 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 vehicle has a loan, more than likely the lender will require that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the lender may insure your Audi at a much higher premium rate and force you to pay for it.
• Car insurance preserves your vehicle and your assets. It will also pay for many types of medical costs for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of buying car insurance are definitely more than the cost, especially for larger claims. According to a recent study, the average American driver is wasting up to $855 a year so you should quote rates at every policy renewal to ensure rates are competitive.

Audi A4 Insurance Cost Factors

Lots of things are used when you quote your car insurance policy. Most are fairly basic such as your driving record, although some other factors are more obscure like where you live or your commute time.

The following are a few of the things used by companies to determine your premiums.

• Cheaper rates with high deductibles – Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your Audi. Some examples of claims that would be covered are a windshield shattered by a rock, vandalism, and windstorm damage. Physical damage deductibles represent how much money you are willing to pay if the claim is covered. The larger the amount you have to pay, the lower your rates will be.
• Too many insurance claims and you’ll pay more – If you tend to file frequent claims, don’t be surprised to see either higher rates or even cancellation. Auto insurance companies in Texas award discounts to drivers who are not frequent claim filers. Insurance coverage is meant to be used in the event of the large, substantial claims.
• Car insurance rates and your employer – Did you know your occupation can influence how much you pay for car insurance? Occupations like military generals, police officers, and accountants usually pay the highest rates because of high stress and long work days. On the other hand, careers like actors, athletes and performers get better rates.
• How credit score affects car insurance premiums – An insured’s credit history can be an important factor in determining your rates. Therefore, if your credit score could use some work, you could be paying less to insure your Audi A4 if you clean up your credit. Drivers with high credit ratings tend to be better drivers and file fewer claims than those with poor credit.
• Discounts for married drivers – Walking down the aisle may earn you lower rates when shopping for car insurance. Having a spouse generally demonstrates drivers are more mature than a single person and it’s statistically proven that being married results in fewer claims.

• Audi A4 claim data – Insurance companies study historical loss data to help determine the rate you pay. Models that tend to have increased losses will have higher premium rates. The next table illustrates the compiled insurance loss statistics for Audi A4 vehicles.

  For each coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is equal to 100. Numbers under 100 imply a favorable loss record, while numbers above 100 point to more frequent losses or an increased chance of a larger loss.

  
  

  Audi A4 Insurance Loss Statistics

  Vehicle 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

Cheap Dallas insurance quotes with discounts

Buying insurance is not cheap, but there’s a good chance there are discounts that you may not know about. Some of these discounts will be visible at the time you complete a quote, but less common discounts must be requested specifically prior to receiving the credit.

• Auto/Home Discount – If you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
• E-sign Discounts – A handful of insurance companies will give a small break get Dallas car insurance digitally online.
• First Accident Forgiveness – This one is not really a discount per se, but companies like Progressive, State Farm and GEICO will forgive one accident before your rates go up if you are claim-free before the accident.
• Service Members Pay Less – Being on active deployment in the military could qualify you for better rates.
• 55 and Retired – Drivers over the age of 55 could receive a small decrease in premiums.
• No Claims – Drivers who don’t have accidents pay less as opposed to drivers with a long claim history.
• Discount for Home Ownership – Owning a house in Dallas can get you a discount since owning and maintaining a home demonstrates responsibility.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up before driving could cut 10% or more on the premium charged for medical payments and/or PIP.

One last thing about discounts, some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. So even though you would think adding up those discounts means a free policy, it just doesn’t work that way.

The chart below shows the comparison of Audi A4 annual premium costs with and without discounts. The prices are based on a female driver, no accidents or driving violations, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, multi-car, safe-driver, and claim-free discounts applied.

Companies and their possible discounts are included below.

• State Farm includes discounts for accident-free, multiple autos, safe vehicle, driver’s education, anti-theft, multiple policy, and student away at school.
• GEICO has discounts for federal employee, multi-vehicle, air bags, good student, driver training, and seat belt use.
• Progressive has savings for multi-vehicle, online signing, good student, online quote discount, and multi-policy.
• 21st Century offers discounts including homeowners, theft prevention, good student, early bird, air bags, student driver, and teen driver.
• American Family policyholders can earn discounts including multi-vehicle, early bird, mySafetyValet, defensive driver, accident-free, and good driver.
• The Hartford offers discounts for air bag, anti-theft, vehicle fuel type, defensive driver, bundle, good student, and driver training.
• AAA offers premium reductions for good driver, pay-in-full, education and occupation, anti-theft, good student, and multi-car.

When getting free Dallas car insurance quotes, it’s a good idea to all companies you are considering which discounts you may be entitled to. Discounts might not be offered in your state. To see a list of insurance companies that have a full spectrum of discounts in Dallas, follow this link.

Which is the best insurance?

When it comes to a policy, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that.
For instance, these questions can help discover if your insurance needs will benefit from professional help.

• Does my insurance cover my expensive audio equipment?
• Should I carry comprehensive and collision coverage?
• Which companies are cheaper for teen drivers?
• Can my babysitter drive my car?
• How much underlying liability do I need for an umbrella policy?
• Do I have coverage when pulling a U-Haul trailer?
• When should my teen driver be added to my policy?
• If I use my vehicle for business use is it covered?
• Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and you can get the answers you need.

Auto insurance agents are professional risk managers

Many people still like to sit down and talk to an agent and that is just fine! Agents are very good at helping people manage risk and help submit paperwork. An additional benefit of getting online price quotes is that you can obtain lower car insurance rates and still buy from a local agent. Buying from and supporting neighborhood insurance agencies is important particularly in Dallas.

After filling out this simple form, your insurance coverage information is transmitted to local insurance agents that can provide free Dallas car insurance quotes to get your business. It makes it easy because there is no need to contact any insurance agencies as quotes are delivered to you. If you need to compare prices for a specific company, feel free to navigate to their website and fill out the quote form the provide.

If you would like to find a local Dallas insurance agent, you should know the different agency structures and how they are distinctly different. Agents are categorized either exclusive agents or independent agents. Both types of agents can properly insure your vehicles, but it’s good to learn the subtle differences because it can influence buying decisions.

Independent Agents (or Brokers)

Independent insurance agents do not write with just one company so they can quote policies through many companies and possibly get better coverage at lower prices. If they find a cheaper price, they simply switch companies in-house and you won’t have to switch agencies.

When shopping rates, you should always compare prices from several independent insurance agents in order to compare the most rates.

Shown below are independent agencies in Dallas that may be able to provide cheap rate quotes.

View more Dallas agents

Exclusive Insurance Agents

Agents that choose to be exclusive are contracted to one company and some examples include Farmers Insurance or State Farm. These agents are unable to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agencies receive extensive training on their products and sales techniques which can be an advantage.

Below are Dallas exclusive insurance agencies who can help you get rate quotes.

View more Dallas agents

Picking the best insurance agent shouldn’t rely on just a cheap price. Any agent in Dallas should be forthright in answering these questions:

• How long have they been in business?
• Will they take your side in the event of a claim?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Is there a Errors and Omissions policy in force?
• Is vehicle mileage a factor when determining depreciation for repairs?
• In the event of vehicle damage, can you pick the collision repair facility?
• Does the agency provide any after hours assistance?
• Do they have designations such as AIC, CPCU, or CIC?

Persistence is the key to affordable rates

Affordable Audi A4 insurance in Dallas is attainable from both online companies in addition to local insurance agencies, so you should compare both in order to have the best price selection to choose from. Some car insurance companies may not provide the ability to get quotes online and these regional insurance providers provide coverage only through local independent agencies.

We just presented many ways to save on Audi A4 insurance in Dallas. The key thing to remember is the more times you quote, the better your chances of lowering your rates. You may even find the most savings is with some of the smallest insurance companies. These companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate or State Farm.

To learn more, take a look at the following helpful articles:

• How do I File a Claim? (Insurance Information Institute)
• What Insurance is Cheapest for Drivers Under 21 in Dallas? (FAQ)
• Who Has the Cheapest Auto Insurance for Government Employees in Dallas? (FAQ)
• How Much is Dallas Auto Insurance for a GMC Sierra? (FAQ)
• How Much are Auto Insurance Quotes for Drivers Requiring a SR22 in Dallas? (FAQ)
• Vehicle Insurance (Wikipedia)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)