Compare Audi A6 Insurance Rate Quotes in Irvine

Shocking but true, a large majority of drivers have been with the same company for well over three years, and nearly the majority have never even compared rates from other companies. The average driver in California could save up to $469 a year, but they don’t know the actual amount they would save if they moved their coverage to a different company.

If saving money is your primary concern, then the best way to get budget car insurance rates is to begin comparing prices regularly from providers who sell auto insurance in Irvine. You can compare prices by completing these steps.

First, try to comprehend coverages and the changes you can make to keep rates down. Many factors that are responsible for high rates like careless driving and an imperfect credit rating can be remedied by improving your driving habits or financial responsibility. This article provides additional ideas to help reduce prices and earn a bigger discount.

Second, compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like Progressive or State Farm, while agents who are independent can provide prices for many different companies. Compare rates

Third, compare the new rates to your existing policy and see if you can save money. If you find a better price and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.

An important bit of advice to remember is to use similar coverage information on every quote request and and to compare every company you can. Doing this enables an apples-to-apples comparison and a thorough price selection.

Most larger insurance companies make it easy to get price estimates from their websites. Doing online quotes for Audi A6 insurance in Irvine is pretty painless as you just enter your required coverages into a form. Once you submit the form, their quoting system gets your driving record and credit report and generates pricing information determined by many factors.

Quoting online for Audi A6 insurance in Irvine makes comparing rates easy, and it is important to compare as many rates as possible if you want to get affordable prices.

To save time and find out if lower rates are available, take a look at the companies shown below. To compare your current rates, we recommend you type in coverages and limits just like they are on your policy. This ensures you’re receiving an apples-to-apples comparison based on identical coverages.

The car insurance companies shown below are ready to provide free rate quotes in Irvine, CA. To find cheap auto insurance in California, we recommend you visit as many as you can to get a more complete price comparison.

Audi A6 insurance charts and tables

The premium table below outlines detailed analysis of insurance premium costs for Audi A6 models. Being aware of how rate quotes are formulated can assist in making decisions when choosing a new policy provider.

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in zip code location which can raise or lower auto insurance rates significantly.

An analysis of deductible level

One of the more difficult decisions when buying car insurance is how high should the physical damage deductibles be. The premium rates below lay out the price difference of buying low and high physical damage coverage deductibles. The first price estimate table uses a $100 deductible for physical damage and the second data table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Information does not factor in specific zip code location which can decrease or increase rates significantly.

Based on these figures, using a $100 deductible would cost the average driver about $64 more each month or $768 annually averaged for all A6 models than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 14 months between claim filings, you would probably come out ahead by going with a higher deductible.

Cost difference between full coverage and liability

The information below shows the difference between Audi A6 insurance costs with full physical damage coverage compared to only buying liability only. The costs are based on no claims or driving citations, $1,000 deductibles, marital status is single, and no other discounts are factored in.

Should you buy full coverage or liability only?

There isn’t a written rule that works best for making the decision to drop physical damage coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s say your Audi A6 settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $3,000 after paying the physical damage deductible. If it’s costing you more than $300 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some situations where only buying liability is not a good idea. If you still owe money on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not opt for liability only.

Car insurance is not optional in California

Even though it can be expensive, insurance is a good idea for several reasons.

First, just about all states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability insurance coverage 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.

Second, if you bought your car with a loan, it’s guaranteed your bank will have a requirement that you have physical damage coverage to protect their interest in the vehicle. If you do not keep the policy in force, the bank will be required to insure your Audi at a more expensive rate and require you to pay for the much more expensive policy.

Third, insurance safeguards both your car and your personal assets. It will also reimburse you for all forms of medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are sued as the result of your driving. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of having insurance greatly outweigh the cost, particularly if you ever have a claim. An average driver in America overpays more than $820 a year so compare rates each time the policy renews to help ensure money is not being wasted.

Irvine Insurance Prices are Influenced by These Factors

An important part of buying insurance is that you know a few of the rating criteria that aid in calculating the rates you pay for insurance. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that can earn you big savings. Lots of things are used in the calculation when you get your auto insurance bill. A few of the factors are predictable like an MVR report, although some other factors are more obscure like where you live or how safe your car is.

The items below are some of the major factors used by your company to calculate your prices.

Avoid tickets and save – Having a clean driving record influences premium rates substantially. Just one citation can boost insurance rates twenty percent or more. Good drivers have lower premiums as compared to careless drivers. People who have severe violations like reckless driving or DUI may face state-mandated requirements to prove financial responsibility with their state’s department of motor vehicles in order to continue driving.

The chart below illustrates how traffic citations and accident claims can increase Audi A6 insurance premiums for each different age category. The data assumes a married male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.

Your credit history is important – Having a bad credit rating factor in calculating your insurance rates. Drivers with high credit ratings tend to be better risks to insure than drivers with lower credit scores. Therefore, if your credit score is lower than you’d like, you may save money insuring your Audi A6 if you improve your credit rating.

Rural vs Urban Areas – Being located in a small town has definite advantages when shopping for auto insurance. Fewer drivers on the road corresponds to lower accident rates in addition to fewer liability claims. People who live in big cities have more aggressive driving styles and more time behind the wheel. Higher commute times means more chances of being involved in an auto accident.

Cheaper premiums with safer cars – Safer cars cost less to insure. Safe vehicles have better occupant injury protection and lower rates of occupant injuries means less money paid by your insurance company passed on to you as lower rates.

Eliminate unneeded extra coverages – There are quite a few optional add-on coverages that you can get tricked into buying when buying insurance. Insurance for rental car coverage, accident forgiveness, and extra equipment coverage are probably not needed. They may seem like a good idea when deciding what coverages you need, but your money might be better spent on other coverage so eliminate them to save money.

Decrease rates by maintaining coverage – Driving without insurance coverage in place is against the law and you may have a hard time finding new coverage because you let your insurance lapse. Not only will you pay more, not being able to provide proof of insurance may earn you a fine, jail time, or a revoked license. You may have to submit proof of financial responsibility or a SR-22 with the California DMV.

Audi A6 insurance loss probability – Insurers analyze claim trends for every vehicle as a tool for profitable underwriting. Vehicles that the data shows to have a higher amount or frequency of claims will have increased rates. The table below demonstrates the compiled insurance loss statistics for Audi A6 vehicles.

For each insurance policy coverage type, the claim probability for all vehicles, as a total average, is a value of 100. Values that are below 100 suggest a positive loss record, while numbers above 100 point to more losses or an increased probability of a larger loss.

These discounts can lower your car insurance rates

Auto insurance companies don’t list every discount very clearly, so we break down both the well known and the more hidden ways to save on car insurance. If they aren’t giving you every credit available, you are just wasting money.

• Early Signing – A few larger companies allow discounts for buying a policy prior to your current A6 insurance policy expiration. You can save around 10% with this discount.
• Good Student – Maintaining excellent grades may save as much as 25% on a Irvine auto insurance quote. The good student discount can last up to age 25.
• Policy Bundle Discount – If you have multiple policies with the same insurance company you will save as much as 10 to 15 percent.
• College Student Discount – Kids who attend college more than 100 miles from Irvine and do not take a car to college may be able to be covered for less.
• Fewer Miles Equal More Savings – Maintaining low annual mileage may allow you to get cheaper rates.
• ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control can avoid accidents so you can save 10 percent or more.
• Senior Citizens – If you’re over the age of 55, you are able to get reduced rates.
• Homeowners Savings – Owning a home in Irvine can earn you a little savings due to the fact that maintaining a home means you have a higher level of financial diligence.
• No Charge for an Accident – This one is not really a discount per se, but certain companies will forgive one accident before raising your premiums with the catch being you have to be claim-free for a certain period of time.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. So even though you would think all those discounts means the company will pay you, companies don’t profit that way.

The diagram below compares Audi A6 yearly insurance costs with and without discounts applied. The premiums assume a male driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, multi-policy, safe-driver, and multi-car discounts applied.

The best car insurance companies and the discounts they provide can be read below.

• Progressive has discounts for homeowner, online signing, multi-policy, good student, multi-vehicle, online quote discount, and continuous coverage.
• Farmers Insurance discounts include early shopping, multi-car, business and professional, mature driver, alternative fuel, bundle discounts, and youthful driver.
• Farm Bureau offers discounts for good student, driver training, multi-policy, multi-vehicle, and renewal discount.
• State Farm includes discounts for safe vehicle, passive restraint, multiple policy, multiple autos, defensive driving training, and driver’s education.
• GEICO may offer discounts for anti-lock brakes, five-year accident-free, air bags, federal employee, emergency military deployment, and military active duty.
• SAFECO has savings for homeowner, teen safety rewards, drive less, anti-theft, safe driver, and accident prevention training.
• Liberty Mutual offers premium reductions for good student, newly retired, teen driver discount, preferred payment discount, new move discount, new graduate, and exclusive group savings.

If you need low cost Irvine auto insurance quotes, ask each company or agent which credits you are entitled to. A few discounts may not apply to policyholders in every state. To find providers offering car insurance discounts in California, follow this link.

Are insurance agencies obsolete?

Some consumers just prefer to sit down and talk to an agent and doing that can be a smart decision One of the great benefits of comparing auto insurance online is that drivers can save money and get lower prices and still have a local agent.

Once you complete this short form, your insurance coverage information is emailed to insurance agents in Irvine that provide free Irvine auto insurance quotes for your insurance coverage. You won’t even need to even leave your home because prices are sent to you. It’s the lowest rates AND a local agent. If you need to compare rates from a specific auto insurance provider, you can always jump over to their website and submit a quote form there.

Choosing an company needs to be determined by more than just a low price. You should also get answers to these questions.

• Do they offer claims assistance after hours?
• Are claims handled at the agent’s location?
• What is the agency’s Better Business Bureau rating?
• How many years of experience in personal auto insurance do they have?
• Are you getting all the discounts the company offers?
• Are there any extra charges for paying monthly?
• Which companies do they recommend if they are an independent agency?

Exclusive agents vs. Independent agents

If you are wanting to purchase auto insurance from a good Irvine insurance agent, it can be helpful to understand the types of agencies that you can select. Irvine agents can either be exclusive agents or independent agents.

Exclusive Agencies

These agents can usually just insure with one company like American Family, State Farm, and AAA. They are unable to provide other company’s prices so you might not find the best rates. Exclusive insurance agents are usually quite knowledgeable on their company’s products which helps offset the inability to provide other markets. Some consumers prefer to buy from exclusive agents partially due to loyalty to the company and strong financial ratings.

The following is a list of exclusive insurance agents in Irvine that are able to give price quote information.

• Ray Vermeulen – State Farm Insurance Agent
  2151 Michelson Dr #242 – Irvine, CA 92612 – (949) 752-6335 – View Map
• Chris Barr – State Farm Insurance Agent
  17802 Irvine Blvd a121 – Tustin, CA 92780 – (714) 544-2558 – View Map
• Sharon Leung – State Farm Insurance Agent
  18004 Sky Park Cir #250 – Irvine, CA 92614 – (949) 252-0900 – View Map

View more agents

Independent Agents (or Brokers)

Agents that elect to be independent are not limited to a single company so they can insure your vehicles through many companies and potentially find a lower price. If prices rise, they simply move the coverage in-house without you having to go to a different agency.

When comparison shopping, we recommend you get several quotes from independent agents to maximize your price options. They often place coverage with less well-known companies that may provide cheaper auto insurance rates.

Shown below is a list of independent agents in Irvine that are able to give rate quotes.

• First American Property and Casualty Insurance Agency, Inc.
  24 Executive Park Suite 250 – Irvine, CA 92614 – (888) 546-5118 – View Map
• Morning Star Agency Insurance Services Incorporated
  1340 Reynolds Ave #103 – Irvine, CA 92614 – (949) 833-2030 – View Map
• Willis Insurance Services of CA Inc
  18101 Von Karman Ave # 600 – Irvine, CA 92612 – (949) 885-1200 – View Map

View more agents

Affordable auto insurance premiums are possible

You just read many tips how you can save on Audi A6 insurance in Irvine. The key thing to remember is the more you quote Irvine auto insurance, the more likely it is that you will get a better rate. You may even be surprised to find that the best prices are with some of the lesser-known companies.

As you shop your coverage around, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced physical damage coverage only to regret at claim time that the savings was not a smart move. Your focus should be to find the BEST coverage for the lowest cost.

Drivers change insurance companies for a variety of reasons including lack of trust in their agent, unfair underwriting practices, policy cancellation and denial of a claim. It doesn’t matter what your reason, choosing a new insurance company is not as difficult as it may seem.

More detailed auto insurance information can be found in these articles:

• Vehicle Size and Weight FAQ (iihs.org)
• Who Has the Cheapest Auto Insurance Quotes for Handicapped Drivers in Irvine? (FAQ)
• Who Has Cheap Irvine Auto Insurance Quotes for a Nissan Rogue? (FAQ)
• Who Has Affordable Irvine Auto Insurance Rates for State Employees? (FAQ)
• Who Has Affordable Irvine Auto Insurance Quotes for a Jeep Grand Cherokee? (FAQ)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Side Impact Crash Tests (iihs.org)