Are you tired of scraping nickels together to buy car insurance? You have the same problem as many other Texas consumers.
It's well known that car insurance companies don't want you to look for a cheaper policy. Drivers who shop around for a cheaper policy are highly likely to move their business because there is a good chance of finding better rates. A recent car insurance study revealed that consumers who faithfully checked for cheaper rates saved $70 a month compared to drivers who never compared prices.
If finding the lowest rates on Audi TTS insurance in San Antonio is why you're reading this, then learning a little about the best way to shop and compare car insurance can help you succeed in finding affordable rates.
People have so many insurance companies to insure vehicles with, and although it's a good thing to have a choice, having more insurance companies makes it harder to find the lowest rates for Audi TTS insurance in San Antonio.
You should take the time to get comparison quotes before your policy renews since prices fluctuate regularly. Even if you think you had the best deal on Audi TTS insurance in San Antonio a year ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because I'm going to teach you how to quote online to find better rates and still maintain coverage.
Choosing the best rates in San Antonio is actually very simple if you learn how to start. Virtually every car owner who needs more affordable auto insurance will more than likely be able to find better rates. Although Texas drivers benefit from understanding how companies sell insurance online because it can help you find the best coverage.
The are a couple different ways to compare prices from all the different companies. The quickest method to lower the rate you pay for Audi TTS insurance is simply to get online rate quotes.
Getting quotes online is very simple and it makes it a waste of time to drive to insurance agents' offices. The ability to get quotes online eliminates this option unless you want the advice and guidance of an agent trained in personal lines coverage. Although you can obtain prices from the web but purchase the actual policy in an agency.
Keep in mind that obtaining a wide range of quotes gives you a better chance of getting a lower rate than you're paying now. Not every company does online price quotes, so you should also compare rates from the smaller companies as well.
The providers in the list below are our best choices to provide free rate quotes in San Antonio, TX. If multiple providers are shown, it's a good idea that you click on several of them in order to find the most affordable rates.
Do you qualify for discounts on Audi TTS insurance in San Antonio?
Car insurance is not cheap nor is it fun to buy but you may be missing some discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you quote, but some need to be asked for before being credited.
- Student Discounts - This discount may save as much as 25% on a San Antonio car insurance quote. The good student discount can last up to age 25.
- Passenger Safety Discount - Cars that have air bags or automatic seat belts could see savings of 20% or more.
- Early Renewal Discounts - A few insurance companies offer discounts for switching policies early. The savings is around 10%.
- Seat Belt Usage - Drivers who require all occupants to use a seat belt can save up to 15% off the personal injury premium cost.
- Clubs and Organizations - Participating in qualifying employment or professional organizations could qualify you for a break when getting a San Antonio car insurance quote.
- Homeowners Savings - Simply owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
Discounts save money, but please remember that most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, it just doesn't work that way. Any qualifying discounts should help reduce the amount you have to pay.
Large car insurance companies and their possible discounts are shown below.
- Progressive has savings for online signing, online quote discount, multi-policy, continuous coverage, good student, and multi-vehicle.
- SAFECO offers discounts for anti-theft, safe driver, multi-car, teen safe driver, drive less, and anti-lock brakes.
- American Family includes discounts for mySafetyValet, bundled insurance, accident-free, good student, Steer into Savings, and defensive driver.
- MetLife offers premium reductions for good driver, claim-free, defensive driver, multi-policy, accident-free, and good student.
- GEICO offers discounts including multi-vehicle, air bags, seat belt use, five-year accident-free, anti-lock brakes, and defensive driver.
- The Hartford policyholders can earn discounts including defensive driver, anti-theft, vehicle fuel type, good student, bundle, air bag, and driver training.
When getting free San Antonio car insurance quotes, it's a good idea to every insurance company to give you their best rates. Some discounts listed above might not be offered on policies in San Antonio. To see a list of providers that can offer you the previously mentioned discounts in Texas, click here to view.
San Antonio Insurance Costs are Influenced by These Factors
When buying auto insurance it's important to understand some of the elements that come into play when calculating the level of your policy premiums. If you have some idea of what impacts premium levels, this enables informed choices that may result in lower rates.
The items below are some of the items utilized by car insurance companies to help set premiums.
Rates can be impacted by your employer - Did you know your job can affect your rates? Careers like lawyers, airline pilots, and accountants have higher premiums than the average policyholder due to stressful work requirements and lengthy work days. Conversely, professions such as scientists, athletes and retirees generally pay rates lower than average.
Driving citations inflate rates - Attentive drivers have lower premiums than people who have multiple driving citations. Even a single speeding ticket can increase the cost of insurance by as much as twenty percent. People who have serious violations like reckless driving or DUI may be required to file a SR-22 with their state motor vehicle department in order to keep their license.
Discounts for auto and home policies - The majority of companies will award better rates to insureds that have more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it's still a good idea to compare Audi TTS rates in San Antonio to guarantee you are still saving the most.
Buy as much liability insurance as you can afford - Your policy's liability coverage will afford coverage if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage as compared to coverage for physical damage, so do not cut corners here.
Keep insurance claims to a minimum - If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Companies in Texas award discounts to policyholders who are claim-free. Your insurance policy is designed for claims that pose a financial burden.
More traffic equals higher costs - Having an address in less populated areas of the country can save you money when shopping for auto insurance. City drivers have congested traffic and more time behind the wheel. Fewer drivers means a lower chance of having an accident.
Safer cars save money - Safer cars tend to have better insurance rates. The safest vehicles result in less severe injuries and better occupant protection means less money paid by your insurance company and thus lower rates.
Audi TTS statistical loss data - Companies include the past claim trends for vehicles to determine a rate that will be profitable for them. Models that tend to have a trend towards higher claim severity or frequency will have a higher cost to insure. The next table shows the actual insurance loss data for Audi TTS vehicles.
For each type of coverage, the statistical loss for all vehicles averaged together equals 100. Values that are under 100 indicate better than average losses, while percentage numbers above 100 indicate higher probability of having a loss or an increased probability of a larger loss.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Audi TTS 2dr 4WD||141|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
What if I want to buy from local San Antonio insurance agents?
Some people still prefer to talk to an insurance agent and that is OK! The best thing about comparing insurance prices online is the fact that you can find better rates but still work with a licensed agent.
To help locate an agent, after submitting this short form, your information is emailed to local insurance agents that can give you free San Antonio car insurance quotes and help you find cheaper coverage. There is no reason to search for an agent since price quotes are sent to the email address you provide. You'll get the best rates without a big time investment. If you wish to get a rate quote from a specific insurance provider, you would need to find their quoting web page and submit a quote form there.
Choosing an company requires more thought than just a cheap price quote. Here are some questions to ask:
- Can glass claims be handled at your home?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Is coverage determined by price?
- Are there any discounts for paying up front?
- Does the agency support the community they serve?
Exclusive agents vs. Independent agents
When looking for a good San Antonio insurance agent, it's helpful to know the types of agencies and how they differ in how they quote coverages. Insurance agents in San Antonio can be categorized as either independent agents or exclusive agents.
Exclusive Insurance Agencies
Exclusive insurance agents can usually just insure with one company such as AAA, Allstate, and State Farm. Exclusive agents cannot place coverage with different providers so always compare other rates. Exclusive agents receive extensive training on their company's products which helps offset the inability to provide other markets.
Below are San Antonio exclusive agencies who can help you get comparison quotes.
These type of agents do not write with just one company and that allows them to write policies with any number of different companies enabling the ability to shop coverage around. If you want to switch companies, your agent can switch companies and you won't have to switch agencies. When comparing insurance rates, it's a good idea to get insurance quotes from a few independent agents to get the most accurate price comparison.
Listed below are independent agents in San Antonio who can help you get price quotes.
Legion Insurance Agency
5309 Wurzbach Rd - San Antonio, TX 78230 - (210) 693-1501 - View Map
How do I know if I need professional advice?
When selecting a policy, there isn't really a "perfect" insurance plan. Everyone's needs are different.
These are some specific questions might point out whether you could use an agent's help.
- What does PIP insurance cover?
- Can I get by with minimal medical coverage if I have good health insurance?
- What is glass protection for?
- How much underlying liability do I need for an umbrella policy?
- When should I not buy collision coverage?
- Can I use my car for my catering business?
- What are good deductibles for a Audi TTS?
- Is water damage covered by my policy?
- Why do I only qualify for high-risk insurance?
- When should I remove my kid from my policy?
If it's difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
A conclusion for your auto insurance search
When getting San Antonio car insurance quotes online, you should never buy poor coverage just to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits only to find out they didn't have enough coverage. Your goal should be to buy enough coverage at the lowest possible cost while still protecting your assets.
Cost effective Audi TTS insurance is possible from both online companies as well as from independent agents in San Antonio, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not provide the ability to get quotes online and usually these small, regional companies prefer to sell through independent agencies.
Insureds switch companies for any number of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, delays in responding to claim requests and not issuing a premium refund. Whatever your reason, choosing a new insurance company can be easier than you think.
To read more, take a look at the resources below:
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance for Drivers with Good Credit in San Antonio? (FAQ)
- How Much are San Antonio Car Insurance Quotes for Electric Cars? (FAQ)
- State Car Insurance Guides (GEICO)
- How do I File a Claim? (Insurance Information Institute)
- Older Drivers FAQ (iihs.org)