Find Affordable Audi A4 Insurance in Irvine

We don’t have to tell you that car insurance companies don’t want policyholders to shop around. Consumers who shop for lower prices are very likely to switch car insurance companies because there is a good chance of getting low-cost coverage. A recent survey found that drivers who routinely shopped around saved approximately $865 annually compared to people who don’t regularly compare prices.

If saving the most money on Audi A4 insurance in Irvine is your objective, then knowing how to choose a company and compare insurance can help you succeed in finding affordable rates.

The easiest way to find the cheapest price for car insurance rates is to compare quotes annually from providers that sell auto insurance in Irvine. Rates can be compared by following these guidelines.

Step 1: Try to learn a little about how insurance companies determine prices and the factors you can control to prevent expensive coverage. Many policy risk factors that drive up the price like speeding and a negative credit score can be eliminated by making minor driving habit or lifestyle changes. This article gives more information to find cheap prices and find discounts that you may qualify for.

Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from a single company like Progressive or Allstate, while independent agencies can quote prices from many different companies. Begin your rate comparison

Step 3: Compare the price quotes to your existing rates to see if cheaper A4 coverage is available in Irvine. If you find a lower rate and make a switch, ensure coverage does not lapse between policies.

The most important part of this process is that you’ll want to make sure you compare the same amount of coverage on each price quote and and to get rates from every company you can. Doing this provides a fair rate comparison and a better comparison of the market.

Our goal in writing this article teach you how car insurance companies work and how you can save the most money. If you have auto insurance now, you will surely be able to shop for the lowest rates using this strategy. Vehicle owners only need an understanding of the quickest method to shop from multiple carriers.

Finding a lower price on insurance is actually easier than you may think. Consumers just need to invest a few minutes comparing rate quotes provided by online insurance companies.

Comparing rates online is fast and free, and it makes it a waste of time to waste gas driving to insurance agents’ offices. Comparing online rate quotes makes this unnecessary unless you have a need for the extra assistance that can only be provided by a licensed insurance agent. You can, however, get prices online but buy from a local insurance agent.

The companies shown below offer price quotes in California. If your goal is to find cheap auto insurance in Irvine, CA, we suggest you get price quotes from several of them in order to get a fair rate comparison.

Detailed insurance information

The coverage table displayed next outlines a range of policy rates for Audi A4 models. Having a good grasp of how prices are calculated can assist in making informed decisions when comparing rates.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in Irvine location which can raise or lower premiums greatly.

Policy deductibles

The hardest decision when buying coverage is which deductibles should you choose. The following insurance rates illustrate how much more rates are when you buy lower versus higher physical damage coverage deductibles. The first table uses a $100 physical damage deductible and the second pricing table uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Premium costs do not factor in specific Irvine garaging location which can raise or lower price quotes substantially.

Based on these figures, using a $100 deductible costs about $55 more each month or $660 for a full year than selecting the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 16 months between claims, you would save more money if you choose the higher deductible.

The example below highlights how deductible choice and can increase or decrease Audi A4 insurance costs for different age groups. The premiums are based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Audi A4 insurance rates by age and gender

The illustration below shows the comparison of Audi A4 annual premium costs for male and female drivers. The rate quotes are based on no claims or violations, comprehensive and collision coverage, $250 deductibles, single status, and no policy discounts are applied.

Cost difference between full coverage and liability

The diagram below illustrates the comparison of Audi A4 insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The rates are based on a clean driving record, no claims, $500 deductibles, marital status is single, and no additional discounts are factored in.

Should you pay for full coverage or liability only?

There is no definitive rule to drop physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s pretend your Audi A4 book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after you pay the deductible. If premiums are more than $700 a year for full coverage, then it may be the right time to buy liability only.

There are some situations where buying only liability insurance is not advised. If you still owe money on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not buy liability only.

Protect your Audi vehicle and other assets

Even though it’s not necessarily cheap to insure an Audi in Irvine, insurance serves several important purposes.

• Almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability if you don’t want to risk a ticket. 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 Audi has a loan, it’s most likely the lender will require you to buy insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank may insure your Audi at a much higher rate and require you to reimburse them the higher premium.
• Insurance safeguards both your assets and your vehicle. It will also pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of carrying enough insurance more than offset the price you pay, especially with large liability claims. Today the average American driver is wasting up to $810 a year so compare rates at every policy renewal to help ensure money is not being wasted.

What Determines Audi A4 Insurance Premiums?

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that aid in calculating the level of your policy premiums. If you have a feel for what determines base rates, this enables you to make decisions that will entitle you to lower premium levels.

• Cheaper premiums for prior coverage – Driving without insurance coverage in place can get your license suspended and any future policy may cost more because you let your insurance lapse for non-payment. Not only will rates go up, the inability to provide proof of insurance could result in a revoked license or a big fine. You will then be forced to file a SR-22 with the California DMV.
• Less chance of injury means lower rates – Vehicles with high crash test scores are cheaper to insure. Vehicles engineered for safety reduce occupant injuries and lower rates of occupant injuries means less money paid by your insurance company and cheaper rates on your policy. If your Audi scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
• Poor credit history equals high rates – Credit rating is a big factor in your rate calculation. Consumers who have good credit tend to file fewer claims than those with worse credit. Therefore, if your credit rating can be improved, you could potentially save money when insuring your Audi A4 by spending a little time repairing your credit.
• Where you live is a factor – Living in areas with lower population has it’s advantages when shopping for auto insurance. Less people corresponds to lower accident rates and also fewer theft and vandalism claims. People in densely populated areas tend to have more road rage incidents and more time behind the wheel. More time on the road means more chance of being in an accident.
• Rate your vehicle for proper use – The higher the mileage driven every year the more it will cost to insure it. A lot of companies charge rates based on their usage. Cars and trucks used primarily for pleasure use cost less to insure than cars that get driven a lot. Having an incorrect usage rating on your A4 is just wasting money. Make sure your car insurance coverage reflects the correct usage for each vehicle, because improper ratings can cost you money.

• Audi A4 historical loss data – Car insurance companies use claims history to help set a rate to offset losses. Vehicles that the data determines to have a higher amount or frequency of claims will be charged more to insure. The table below demonstrates the loss history for Audi A4 vehicles.

  For each type of coverage, the loss probability for all vehicles averaged together equals 100. Values that are below 100 suggest a positive loss record, while numbers above 100 indicate higher probability of having a loss or tendency to have higher losses.

  
  

  Audi A4 Insurance Claim Statistics

  Vehicle 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

  BETTER

  AVERAGE

  WORSE

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

Don’t neglect these discounts

Auto insurance can be pricey, but you might already qualify for some discounts to help offset the cost. Certain discounts will be triggered automatically when you get a quote, but a few must be inquired about prior to getting the savings. If you’re not getting every credit you qualify for, you are just wasting money.

• Low Mileage Discounts – Low mileage vehicles may enable drivers to earn substantially lower premium rates.
• Student Discount for Driver Training – Require your teen driver to participate in a local driver’s education class as it will make them better drivers and lower rates.
• Seat Belt Discounts – Requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the medical payments premium.
• Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control are much safer to drive so you can save 10 percent or more.
• Accident Forgiveness Coverage – This one isn’t a discount, but companies like State Farm and Allstate allow you one accident before hitting you with a surcharge with the catch being you have to be claim-free for a particular time prior to the accident.
• Passenger Safety Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
• Discount for New Cars – Buying a new car model may earn a small discount because new vehicles are generally safer.

As a disclaimer on discounts, some credits don’t apply to the entire cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, nobody gets a free ride.

The example below visualizes the comparison of Audi A4 insurance costs with and without some available policy discounts. The costs are based on a male driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, claim-free, multi-policy, and safe-driver discounts applied.

A few companies that may include most of the discounts above possibly include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

When comparing rates, check with all companies you are considering which discounts you qualify for. Savings may not apply to policyholders in Irvine. To find companies who offer online Audi A4 insurance quotes in California, click here.

Your situation helps dictate your coverage

When choosing coverage online or from an agent, there is no “perfect” insurance plan. You are unique so this has to be addressed.
Here are some questions about coverages that may help you determine whether you will benefit from professional help.

• Why am I required to buy liability insurance?
• Does rental coverage apply when I am renting a car?
• Is my nanny covered when transporting my kids?
• Why is insurance for a teen driver so high in Irvine?
• Is a driver training discount available?
• Is my teenager covered with friends in the car?
• Is a new car covered when I drive it off the dealer lot?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Are car insurance agents a thing of the past?

Certain consumers prefer to talk to an insurance agent and often times that is recommended Good insurance agents are trained to spot inefficiencies and help file insurance claims. One of the benefits of getting free rate quotes online is the fact that you can find lower rates but still work with a licensed agent. And supporting local insurance agents is especially important in Irvine.

After filling out this simple form, your coverage information is immediately sent to local insurance agents who want to provide quotes to get your business. It makes it easy because there is no need to visit any agencies as quotes are delivered to the email address you provide. If you want to get a rate quote from a specific company, feel free to navigate to their website and complete a quote there.

When researching a reliable insurance agency, you must know there are a couple types of insurance agents and how they can service your needs differently. Irvine agents are either exclusive or independent (non-exclusive). Both types can insure your vehicles properly, but it’s worth learning the difference in how they write coverage since it could factor into your selection of an agent.

Independent Insurance Agencies

These type of agents are not employed by one company so they have the ability to put coverage with multiple insurance companies and find the cheapest insurance rates. To transfer your coverage to a different company, your agent can just switch to a different company and you don’t have to do anything.

If you need lower rates, we highly recommend that you include price quotes from at least one independent agent to get the best comparison.

Below are independent agents in Irvine that may be able to give price quote information.

View more agents

Exclusive Insurance Agencies

Agents in the exclusive channel have only one company to place business with like State Farm or Allstate. They generally cannot compare other company’s rates so you might not find the best rates. Exclusive insurance agents receive extensive training on their products and sales techniques which helps them sell insurance even at higher premiums.

The following is a list of exclusive insurance agents in Irvine who can help you get rate quotes.

View more agents

Choosing a car insurance agent needs to be determined by more than just a cheap price quote. These are some questions your agent should answer.

• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• How long have they worked with personal auto insurance coverage?
• How many companies do they write for?
• Do they get extra compensation for selling add-on coverages?
• Do they feel the quoted coverages are adequate?
• Do they reduce claim amounts on high mileage vehicles?
• Will the quote change when the policy is issued?
• Will they make sure you get an adequate claim settlement?

If you get reasonable responses to your questions in addition to an acceptable price estimate, you may have just found an insurance agent that will properly insure your vehicles.

Get the best coverage at the lowest price

As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. In many cases, drivers have reduced uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. Your aim should be to buy enough coverage at a price you can afford and still be able to protect your assets.

More affordable auto insurance in Irvine can be found on the web and also from your neighborhood Irvine agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers may not offer online quoting and many times these regional carriers sell through independent agencies.

To read more, feel free to visit the articles below:

• What is Covered by GAP Insurance? (Allstate)
• Who Has Cheap Auto Insurance for a Ford Explorer in Irvine? (FAQ)
• Who Has Affordable Irvine Auto Insurance Rates for State Employees? (FAQ)
• What is the Best Cheap Car Insurance in Irvine, CA? (FAQ)
• Rental Car Insurance Tips (Insurance Information Institute)
• No-Fault Auto Insurance Statistics (Insurance Information Institute)