Cheapest Insurance for an Audi A5 in Irvine

Nobody likes paying for car insurance, especially when they could find better prices if they shop around.

It’s hard to fathom, but over 70% of consumers have remained with the same car insurance company for over three years, and almost half have never compared quotes from other companies. Drivers in the U.S. could save almost $850 a year by just comparing rate quotes, but they just feel it’s too hard to find cheaper rates by getting comparison quotes.

Companies like Progressive, GEICO and Farmers Insurance all promote huge savings with catchy ads and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you are paying for car insurance now, you stand a good chance to be able to lower your rates using the tips covered below. Finding affordable coverage in Irvine is much easier if you have a good place to start. But California drivers need to have an understanding of the methods companies use to charge you for coverage.

The majority of larger companies like Progressive, Allstate and GEICO provide prices on the web. Getting quotes for Audi A5 insurance in Irvine doesn’t take much effort as you just type in the coverage amounts you desire into a form. Behind the scenes, their rating system automatically orders your driving and credit reports and returns pricing information based on these and other factors. Being able to quote online for Audi A5 insurance in Irvine makes it a lot easier to compare rates and it is important to have as many quotes as possible if you want to get the most affordable possible premiums on auto insurance.

In order to find out if lower rates are available, compare rates now from the companies shown below. If you have a policy now, it’s recommended you complete the form with the coverage information identical to your current policy. Doing this assures you will get rate comparison quotes for similar coverage.

The following companies offer price comparisons in Irvine, CA. If you want to find the cheapest auto insurance in California, we suggest you visit several of them in order to find the cheapest rates.

Rate information and statistics

The rate table displayed next covers estimates of insurance coverage prices for Audi A5 models. Having a better idea how car insurance prices are established helps drivers make smart choices when comparing insurance rates.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Prices do not factor in specific Irvine garaging location which can increase or decrease premium rates substantially.

Physical damage deductible comparison

One of the most common auto insurance questions is where should you set your physical damage deductibles. The figures shown below can help illustrate how much more rates are when you select higher and lower comp and collision deductibles. The first rate estimation uses a $250 deductible and the second rate chart uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in specific zip code location which can increase or decrease insurance rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $43 more each month or $516 every year than buying the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 17 months between claims, you would probably save some money by going with a higher deductible.

An important sidenote is that higher deductibles means you will have to pay more when you file a claim. That will force you to have access to more funds in order to pay more for the deductible.

Male drivers compared to female drivers

The chart below shows the difference between Audi A5 auto insurance rates for male and female drivers. The premiums are based on no claims or driving citations, full coverage, $500 deductibles, drivers are not married, and no discounts are factored in.

Why you need quality insurance for your Audi A5

Despite the high cost, maintaining insurance is mandatory in California but it also protects more than you think.

• The majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability coverage in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your vehicle has a loan, almost every bank will force you to have full coverage to guarantee their interest in the vehicle. If you default on your policy, the lender will be forced to insure your Audi for a much higher rate and make you pay for the much more expensive policy.
• Insurance protects not only your vehicle but also your financial assets. It will also pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance will also pay to defend you if someone files suit against you as the result of an accident. If you have damage to your Audi as the result of the weather or an accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance definitely exceed the price paid, especially if you ever need it. The average driver in California is overpaying more than $810 a year so shop around at least once a year to ensure rates are inline.

Why You Might Pay Lower Rates in Irvine

It’s important that you understand some of the elements that help determine your policy premiums. When you know what positively or negatively influences your rates, this allows you to make good choices that may result in big savings.

• Physical damage deductibles are a factor – The deductibles define the amount you are willing to pay if the claim is covered. Protection for physical damage, also called ‘full coverage’, protects your car from damage. Some coverage claims are a windshield broken by a bird, damage from fire, or theft of your vehicle. The more damage repair cost you are required to pay out-of-pocket, the less your company will charge you for insurance.

• Poor driving leads to higher premiums – Careful drivers tend to pay less for car insurance compared to drivers with tickets. Even a single driving citation can boost insurance rates substantially. Drivers unfortunate enough to have license-revoking citations such as DUI or willful reckless driving may need to file a SR-22 with their state’s licensing department in order to legally drive a vehicle.

  The example below highlights how speeding tickets and at-fault claims increase Audi A5 insurance prices for different age groups. The data assumes a single female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

• Drive fewer miles and save – Driving more miles in a year’s time the more you will pay for auto insurance. A lot of insurance companies price each vehicle’s coverage based upon how you use the vehicle. Cars and trucks not used for work or commuting cost less to insure compared to those used for work or business. An improperly rated A5 can cost quite a bit. It’s always a good idea to double check that your vehicle rating reflects the correct usage for each vehicle.
• Auto insurance policy lapses increase premiums – Having an insurance coverage lapse can be a guaranteed way to drive up your policy premiums. In addition to paying higher rates, being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license. You may need to submit proof of financial responsibility or a SR-22 with the California motor vehicle department to get your license reinstated.

• Insurance losses for an Audi A5 – Insurers use statistical claims data to calculate a rate that will offset losses. Vehicles that tend to have higher losses will have higher rates for specific coverages. The information below illustrates the historical loss data for Audi A5 vehicles.

  For each coverage category, the loss probability for all vehicles, regardless of manufacturer or model, is considered to be 100. Values that are under 100 indicate a favorable loss history, while values that are 100 or greater indicate more frequent losses or a tendency for claims to be larger.

  
  

  Car Insurance Loss Data for Audi A5 Models

  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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Your auto insurance coverage should be tailored to you

When quoting and choosing the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if your insurance needs may require specific advice.

• What can I do if my company won’t pay a claim?
• Are all vehicle passengers covered by medical payments coverage?
• Why are teen drivers so expensive to add on to my policy?
• What is medical payments coverage?
• What if an uninsured driver hits me?
• Should I buy additional glass protection?
• Does coverage follow the driver or the vehicle?
• When should I remove comp and collision on my Audi A5?
• Is my Audi A5 covered for smoke damage?
• Are my tools covered if they get stolen from my vehicle?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Ratings for California auto insurance companies

Finding a good quality car insurance provider is hard considering how many choices drivers have in California. The rank data displayed below could help you choose which companies you want to consider shopping prices with.

Persistence is the key to cheap rates

People who switch companies do it for many reasons like high rates after DUI convictions, delays in paying claims, lack of trust in their agent or even poor customer service. Regardless of your reason, finding a great new company can be less work than you think.

We covered many ideas to lower your Audi A5 insurance rates in Irvine. The most important thing to understand is the more quotes you get, the higher your chance of finding low cost Irvine auto insurance quotes. Consumers may even find the biggest savings come from a lesser-known regional company.

Lower-priced insurance in Irvine can be found on the web and also from your neighborhood Irvine agents, so you need to quote Irvine auto insurance with both to have the best chance of lowering rates. There are still a few companies who may not offer the ability to get quotes online and usually these smaller companies work with local independent agents.

Steps to finding low-cost rates for Audi A5 insurance in Irvine

If you want to find the absolute lowest rates, then the best way to find affordable quotes for Audi A5 insurance in Irvine is to start comparing rates regularly from providers in California.

1. Read about what is in your policy and the things you can control to prevent expensive coverage. Many things that cause rate increases such as tickets, at-fault accidents, and a lousy credit rating can be controlled by improving your driving habits or financial responsibility.
2. Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like Progressive or State Farm, while agents who are independent can quote rates for a wide range of companies.
3. Compare the new quotes to your current policy premium to see if a cheaper rate is available in Irvine. If you can save some money, ensure there is no coverage lapse between policies.
4. Provide notification to your current agent or company to cancel your current policy. Submit a down payment and signed policy application to your new carrier. As soon as you can, safely store the certificate of insurance with the vehicle registration.

A good piece of advice is to make sure you’re comparing similar coverage information on each price quote and and to get quotes from every company you can. This enables the most accurate price comparison and a complete selection of prices.

Helpful articles

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• What Insurance is Cheapest with Multiple Speeding Tickets in Irvine? (FAQ)
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• What Insurance is Cheapest for High Mileage Drivers in Irvine? (FAQ)
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