How long has it been since you compared low-cost Audi TT RS insurance in Lubbock? Feel like you have overpriced Audi TT RS insurance in Lubbock? Believe me, there are lots of people in the same boat.
We don’t have to tell you that car insurance companies don’t want you to look for cheaper rates. Insureds who rate shop once a year will probably switch to a new company because they stand a good chance of finding a lower-priced company. A recent survey discovered that consumers who routinely compared rates saved as much as $865 a year as compared to drivers who never compared rates.
If finding the lowest price on insurance in Lubbock is your objective, learning the best ways to find and compare insurance rates can save time and money.
Steps to buying low-cost Audi TT RS insurance in Lubbock
Truthfully, the best way to get low-cost Audi TT RS insurance in Lubbock is to begin comparing prices regularly from insurance carriers who sell auto insurance in Texas.
- First, learn about how your policy works and the things you can control to prevent rate increases. Many policy risk factors that cause high rates like accidents, traffic violations, and a poor credit score can be amended by making small lifestyle or driving habit changes.
- Second, quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like GEICO and Allstate, while agents who are independent can quote prices for a wide range of insurance providers. Get quotes now
- Third, compare the price quotes to your existing coverage to see if a cheaper price is available in Lubbock. If you find a lower rate and make a switch, make sure coverage is continuous and does not lapse.
- Fourth, provide notification to your current company to cancel your existing policy and submit a down payment along with a signed application to the new company. As soon as you receive it, put the proof of insurance certificate above your visor, in the console, or in the glove compartment.
One key aspect of rate comparisons is to make sure you enter the same physical damage deductibles and liability limits on every quote request and and to get rate quotes from as many carriers as you can. This ensures a fair price comparison and a complete price analysis.
There are many insurers to purchase coverage from, and even though it’s nice to have a choice, more options can take longer to find the lowest rates for Audi TT RS insurance in Lubbock.
Smart consumers take time to compare premium rates as often as possible since prices change quite often. Just because you had the best deal on Audi TT RS insurance in Lubbock a few years ago there may be better deals available now. Forget all the misinformation about auto insurance because you’re about to find out the things you must know in order to find better coverage on Audi TT RS insurance in Lubbock at a better price.
Comparing quotes for the best car insurance in Lubbock is easy to do. In essence, everyone who is looking for cheaper car insurance should find lower prices. Although Texas consumers can benefit by having an understanding of how insurance companies determine premium rates because it varies considerably.
To find affordable Lubbock auto insurance quotes, there are several ways to compare rate quotes from many auto insurance companies in Texas. The fastest way to compare Audi TT RS insurance prices is to perform an online rate comparison.
Comparison shopping quotes online is easy and it replaces the need to drive around to insurance agents’ offices. Comparing online rate quotes eliminates the middleman unless you prefer the trained guidance that only a licensed agent can provide. Although you can comparison shop your insurance online but have your policy serviced through an agent.
When comparison shopping, comparing a large number of companies increases the chance that you will find the best price.
The car insurance companies shown below have been selected to offer price comparisons in Lubbock, TX. If you want cheaper auto insurance in Texas, we recommend you visit several of them to get the cheapest price.
Car insurance in Texas serves several purposes
Despite the high cost, insurance serves several important purposes.
- Most states have mandatory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance in order to be legal. 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 TT RS has a lienholder, it’s guaranteed your bank will force you to have insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Audi at an extremely high rate and force you to pay the higher premium.
- Car insurance preserves both your Audi TT RS and your personal assets. It will also provide coverage for most medical and hospital costs that are the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of buying car insurance definitely exceed the price paid, particularly when you have a large claim. Despite what companies tell you, the average driver is overpaying over $855 a year so it’s very important to do a rate comparison each time the policy renews to ensure rates are inline.
Companies offer money-saving discounts on Audi TT RS insurance in Lubbock
Car insurance is neither fun to buy or cheap, but there could be significant discounts that can dramatically reduce your bill. Certain reductions will be credited when you complete an application, but some discounts are required to be asked for prior to getting the savings. If you’re not getting every credit you deserve, you’re just leaving money on the table.
- Discount for Home Ownership – Just owning your own home can help you save on car insurance because of the fact that having a home demonstrates responsibility.
- Theft Deterrent Discount – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
- Good Drivers – Drivers who avoid accidents can save as much as half off their rates compared to accident prone drivers.
- Defensive Driver Discount – Successfully completing a course that instructs on driving safety can save you 5% or more and easily recoup the cost of the course.
- One Accident Forgiven – Not really a discount, but a few companies such as Progressive, Allstate, and Liberty Mutual will allow you to have one accident before your rates go up if you are claim-free for a specific time period.
- Policy Bundle Discount – If you have multiple policies with one company you could earn a discount of approximately 10% to 15%.
- Good Grades Discount – Performing well in school may save you up to 25%. You can use this discount normally up to age 25.
- Military Discounts – Being deployed in the military could be rewarded with lower prices.
As a sidenote, most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way.
To see a list of insurers who offer online Audi TT RS insurance quotes in Lubbock, click here to view.
Can’t I compare prices from local Lubbock insurance agents?
Some consumers still like to sit down with an agent and that is a personal choice. One of the benefits of comparing insurance prices online is that drivers can save money and get the lowest rates but still work with a licensed agent. And buying from small agencies is especially important in Lubbock.
For easy comparison, once you complete this quick form, the quote information is sent to local insurance agents who want to provide quotes for your coverage. There is no reason to find an agent because prices are sent directly to your email. You can find better rates without the usual hassles of price shopping. In the event you want to get a rate quote from a specific company, feel free to go to their quote page and give them your coverage information.
If you’re trying to find a local insurance agency, you should know the types of insurance agents and how they differ in how they quote coverages. Agents are either exclusive agents or independent agents.
Independent Agencies or Brokers
Agents of this type are appointed with more than one company and that is an advantage because they can write policies through many companies and get the cheapest rates. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part.
If you are comparing rate quotes, you need to get insurance quotes from a few independent agents for maximum quote selection.
Listed below are independent insurance agents in Lubbock that can give you rate quotes.
Holmes/Bednarz Insurance Agency
5717 66th St #110 – Lubbock, TX 79424 – (806) 748-5453 – View Map
Lubbock AllState Agent
2312 19th St – Lubbock, TX 79401 – (806) 412-1471 – View Map
Zuniga Insurance Agency
1407 19th St – Lubbock, TX 79401 – (806) 702-4918 – View Map
Exclusive Car Insurance Agents
Agents in the exclusive channel write business for a single company and some examples include Allstate and State Farm. Exclusive agents cannot place coverage with different providers so it’s a take it or leave it situation. Exclusive agencies are usually quite knowledgeable on their company’s products and that enables them to sell even at higher rates.
Shown below is a list of exclusive insurance agents in Lubbock that can give you comparison quotes.
Rebecca Egert – State Farm Insurance Agent
9810 Indiana Ave Ste 120 – Lubbock, TX 79423 – (806) 795-4344 – View Map
Farmers Insurance
3206 34th St – Lubbock, TX 79410 – (806) 791-2892 – View Map
Kevin Watson – State Farm Insurance Agent
13033 Quaker Ave SUITE B – Lubbock, TX 79423 – (806) 797-3329 – View Map
Deciding on a insurance agency should depend on more than just the bottom line cost. Some important questions to ask are:
- Are all drivers listed on the coverage quote?
- Is coverage determined by price?
- Is the agency active in community causes in Lubbock?
- Do they offer accident forgiveness?
- Does the agency have a positive business rating?
- Are they able to provide referrals?
When should I discuss my situation with an agent?
When quoting and comparing your policy, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and your insurance should be unique as well.
For instance, these questions may help you determine whether or not you could use an agent’s help.
- Exactly who is provided coverage by my policy?
- Does my policy cover me if I wreck while driving under the influence?
- What vehicles should carry emergency assistance coverage?
- Is my custom paint covered by insurance?
- Who sells insurance for high-risk drivers?
- Do I need special coverage while pulling a rented trailer?
- Should I carry comprehensive and collision coverage?
- Can I afford low physical damage deductibles?
- Are rental cars covered under my policy?
If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Lubbock car insurance companies
Ending up with the top insurance provider can be challenging considering how many different companies sell coverage in Lubbock. The ranking information displayed below can help you decide which auto insurance companies to look at comparing prices from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Don’t give up on affordable rates
Cheap Audi TT RS insurance in Lubbock can be sourced both online as well as from insurance agents, and you should be comparing both to get a complete price analysis. Some companies do not provide rate quotes online and many times these regional insurance providers work with independent agencies.
When trying to cut insurance costs, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where drivers have reduced collision coverage only to discover later they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at an affordable rate and still be able to protect your assets.
How to find lower priced Audi TT RS insurance in Lubbock
The preferred way to find the cheapest price for Audi TT RS insurance in Lubbock is to start comparing prices regularly from different companies in Texas. You can compare prices by following these guidelines.
- Step 1: Spend a few minutes and learn about individual coverages and the things you can change to prevent high rates. Many risk factors that drive up the price such as accidents, traffic violations, and a negative credit history can be amended by paying attention to minor details.
- Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like GEICO and State Farm, while independent agents can quote rates for a wide range of insurance providers.
- Step 3: Compare the quotes to your existing policy to see if a cheaper rate is available in Lubbock. If you can save money, make sure there is no coverage gap between policies.
- Step 4: Give proper notification to your current agent or company of your intention to cancel your current coverage and submit a completed application and payment for the new coverage. Be sure to put the new certificate verifying proof of insurance with the vehicle registration.
An important note is to try to compare the same amount of coverage on every price quote and to quote with as many carriers as you can. Doing this ensures a level playing field and the most accurate and complete price analysis.
More tips and info about car insurance can be read at these sites:
- Frontal Crash Tests (iihs.org)
- What Insurance is Cheapest for a Ford Explorer in Lubbock? (FAQ)
- Who Has Cheap Auto Insurance for a Chevrolet Silverado in Lubbock? (FAQ)
- Who Has Affordable Lubbock Car Insurance for 19 Year Olds? (FAQ)
- What Auto Insurance is Cheapest for Low Mileage Drivers in Lubbock? (FAQ)
- What is Full Coverage? (Allstate)
- Auto Crash Statistics (Insurance Information Institute)