Unfortunately, 70% of consumers have been with the same company for over three years, and practically 40% of car insurance customers have never compared rates to find lower-cost insurance. Consumers in Irvine could save nearly 35% every year by just comparing quotes, but they just don’t understand how easy it is to compare rate quotes.
If you want to find the absolute lowest rates, then the best way to find low-cost prices for Audi SQ5 insurance in Irvine is to start comparing prices yearly from providers in California. Drivers can shop around by completing these steps.
Step 1: Spend a few minutes and learn about the coverage provided by your policy and the things you can control to keep rates down. Many rating criteria that result in higher rates such as high-risk driving behaviors and bad credit can be eliminated by making minor changes in your lifestyle.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like GEICO and State Farm, while agents who are independent can give you price quotes from many different companies.
Step 3: Compare the quotes to your current policy premium to see if a cheaper rate is available in Irvine. If you find a lower rate and decide to switch, make sure there is no coverage gap between policies.
Step 4: Give notification to your current company of your intention to cancel your existing policy and submit any necessary down payment along with the completed application to the new company. As soon as coverage is bound, put the new certificate verifying proof of insurance in your vehicle’s glove compartment or console.
A valuable tip to remember is to use the same coverage limits and deductibles on every quote and and to look at every company you can. This guarantees an accurate price comparison and many rates to choose from.
How do Insurance Providers Determine Audi SQ5 Insurance Rates?
Smart consumers have a good feel for the different types of things that are used to determine the price you pay for insurance. When you know what positively or negatively controls the rates you pay, this helps enable you to make changes that can earn you lower insurance prices. Many different elements are taken into consideration when you get a price on insurance. Some factors are common sense such as your driving record, but other criteria are more obscure like your vehicle usage or how safe your car is.
Premiums are impacted by vehicle performance – The performance of the vehicle you own makes a huge difference in your rates. Small economy passenger cars usually have the lowest premiums, but your final cost has many other factors.
More policies can equal more savings – The majority of insurance companies provide better rates for people that purchase more than one policy such as combining an auto and homeowners policy. Even though this discount sounds good, you still need to check prices from other companies to make sure you are getting the best deal.There is a good possibility that you can save even more than the discount by insuring with multiple companies.
With age comes lower premiums – More experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and get fewer tickets. Teenage drivers have a tendency to be inattentive when behind the wheel therefore insurance rates are much higher.
Certain occupations raise premiums – Occupations such as lawyers, business owners, and accountants usually pay higher rates than the rest of us in part from job stress and lots of time spent away from family. Conversely, occupations like actors, students and retirees pay lower than average rates.
Never have insurance policy lapses – Driving without insurance is a misdemeanor and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, being ticketed for driving with no insurance will get you fines and jail time.
How much liability – The liability section of your policy will protect you if you are responsible for personal injury or accident damage. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should carry high limits.
Does insurance coverage cost less for women? – The statistics show that females take fewer risks when driving. However, this does not mean men are worse drivers. They both cause at-fault accidents at a similar rate, but the men have accidents that have higher claims. Men also have more aggressive citations like driving under the influence (DUI).
Claims statistics for an Audi SQ5 – Companies use past loss statistics for each vehicle to help set a rate to offset losses. Models that have higher loss trends will cost more for specific coverages.
The table below shows the insurance loss data used by companies for Audi SQ5 vehicles. For each coverage category, the loss probability for all vehicles, as a total average, is considered to be 100. Numbers shown that are under 100 suggest a better than average loss history, while percentage values above 100 indicate more frequent losses or statistically larger claims.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Audi SQ5 4dr 4WD | 188 | 94 | 162 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Getting low cost auto insurance pricing can be relatively painless. You just need to take a few minutes to get quotes online from several insurance companies.
It’s so simple to compare auto insurance rates online makes it a waste of time to physically go to and from local Irvine insurance agencies. Quoting and buying Audi SQ5 insurance online has made agencies unnecessary unless you’re the type of person who wants the personal advice that you can only get from talking to an agent. Drivers can compare the best prices online but have your policy serviced through an agent.
The auto insurance companies shown below can provide free quotes in California. If your goal is to find cheap auto insurance in Irvine, CA, we recommend you get rates from several of them to get the lowest price.
Buying the right vehicle insurance in California is an important decision
Despite the high cost of buying insurance for a Audi SQ5 in Irvine, insuring your vehicle is mandatory in California but it also protects more than you think.
- Just about all states have minimum liability requirements which means state laws require a minimum amount of liability insurance in order to drive the car legally. 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 you took out a loan on your vehicle, almost every bank will have a requirement that you have full coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank may insure your Audi at a much higher rate and require you to pay for the expensive policy.
- Insurance protects both your vehicle and your personal assets. Insurance will pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability coverage also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of insuring your car definitely exceed the cost, especially for larger claims. According to a recent study, the average American driver is wasting up to $750 every year so we recommend shopping around at least once a year to save money.
Cheap Audi SQ5 insurance quotes in Irvine
Auto insurance companies don’t always list all their discounts in an easy-to-find place, so the next list breaks down some of the best known and also the lesser-known credits available to lower your premiums when you buy Irvine car insurance online.
- Driver Safety – Taking part in a course in driver safety could possibly earn you a 5% discount and easily pay for the cost of the class.
- Low Miles Discount – Low annual miles can earn substantially lower rates.
- Discounts for Federal Employees – Federal government employees can earn a discount up to 10% but check with your company.
- Discount for Home Ownership – Owning a house in Irvine may trigger a policy discount on insurance because of the fact that having a home is proof of financial responsibility.
- Policy Bundle Discount – When you combine your homeowners and auto insurance and place coverage with the same company you could save at least 10% off all policies.
- Club Memberships – Affiliation with qualifying employment or professional organizations could qualify you for a break on your next renewal.
- Discount for Passive Restraints – Vehicles equipped with air bags may qualify for discounts as much as 30%.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Senior Citizen Rates – Drivers that qualify as senior citizens may qualify for a small decrease in premiums.
- Student Discount for Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class in school or through a local driver safety program.
Discounts lower rates, but most credits do not apply to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, you won’t be that lucky.
A list of insurance companies and some of the discounts are shown below.
- State Farm may offer discounts for student away at school, Steer Clear safe driver discount, driver’s education, good student, safe vehicle, defensive driving training, and good driver.
- Nationwide includes discounts for family plan, easy pay, business or organization, multi-policy, Farm Bureau membership, and defensive driving.
- GEICO offers premium reductions for daytime running lights, air bags, membership and employees, military active duty, anti-lock brakes, and defensive driver.
- AAA has savings for good student, anti-theft, education and occupation, pay-in-full, multi-policy, good driver, and multi-car.
- 21st Century policyholders can earn discounts including student driver, automatic seat belts, defensive driver, driver training, and teen driver.
- The Hartford has discounts for driver training, bundle, anti-theft, air bag, good student, and vehicle fuel type.
When getting a coverage quote, ask every prospective company what discounts are available to you. Discounts may not be available in Irvine. To choose insurance companies that offer the discounts shown above in California, click here to view.
Getting quotes from local Irvine car insurance agents
Many people prefer to visit with an insurance agent and doing so can bring peace of mind Experienced insurance agents are highly skilled in risk management and help submit paperwork. One of the best bonuses of getting free rate quotes online is that you can find lower rates but also keep your business local. Buying from and supporting local agencies is important particularly in Irvine.
By using this form (opens in new window), your information is sent to agents in your area who will gladly provide quotes and help you find cheaper coverage. You don’t have to find an agent because prices are sent to you. If you need to compare rates from a specific insurance company, you just need to visit that company’s website and give them your coverage information.
If you are wanting to find a good Irvine insurance agent, you should know the different types of agents and how they can quote your rates. Irvine agents can either be independent or exclusive depending on the company they work for. Both sell insurance policies, but it’s important to point out the difference in how they write coverage since it can affect the type of agent you choose.
Independent Insurance Agents (or Brokers)
Independent agencies often have affiliation with several companies so they can write business with any number of different companies and get the cheapest rates. If your premiums go up, your agent can just switch to a different company and the insured can keep the same agent.
When comparing rates, it’s a good idea to include rate quotes from at least one independent agent in order to have the best price comparison.
Listed below is a small list of independent agents in Irvine that may be able to give free price quotes.
Professional Choice Insurance
2151 Michelson Dr Suite 250 – Irvine, CA 92612 – (714) 467-8726 – View Map
Wozencraft Insurance Agency
17321 Irvine Blvd #201 – Tustin, CA 92780 – (714) 263-2626 – View Map
Hays Co
18201 Von Karman Ave # 510 – Irvine, CA 92612 – (949) 442-7662 – View Map
Exclusive Agents
Exclusive agents can only write with one company such as Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to provide other company’s prices so always compare other rates. These agents are well schooled on their products and sales techniques and that allows them to sell at a higher price point.
Below are exclusive agencies in Irvine willing to provide comparison quotes.
Farmers Insurance – Al Kash
17702 Mitchell N – Irvine, CA 92614 – (949) 216-3620 – View Map
Farmers Insurance: James Lohse
4850 Barranca Pkwy #202 – Irvine, CA 92604 – (949) 559-0175 – View Map
Ken LaTourette – State Farm Insurance Agent
1032 Irvine Blvd – Tustin, CA 92780 – (714) 544-3779 – View Map
Finding the right insurance agent should include more criteria than just a cheap quote. These are valid questions to ask:
- Do they prorate repair cost based on vehicle mileage?
- Do they get paid more for recommending certain coverages?
- Are they able to provide referrals?
- Do they have a Better Business Bureau rating in Irvine?
- If they are an independent agency in Irvine, which companies do they recommend?
- Will one accident increase rates?
- Does the company have a solid financial rating?
Which auto insurance company is best in Irvine?
Picking the best insurer is difficult considering how many choices there are in Irvine. The rank data in the next section may help you select which car insurance providers you want to consider to insure your vehicles.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Find cheap rates by being thorough
Affordable Audi SQ5 insurance in Irvine is possible online as well as from independent agents in Irvine, so you should compare both in order to have the best chance of saving money. Some companies may not offer online price quotes and these regional insurance providers provide coverage only through independent agents.
When getting Irvine car insurance quotes online, never sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at the best cost but still have enough coverage for asset protection.
Much more information about auto insurance in California is located below:
- Anti-Lock Brake FAQ (iihs.org)
- Who Has Affordable Irvine Auto Insurance for a Kia Forte? (FAQ)
- Who Has the Cheapest Irvine Car Insurance Rates for a Subaru Outback? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Company Car in Irvine? (FAQ)
- Who Has Cheap Auto Insurance for a Ford Explorer in Irvine? (FAQ)
- What Insurance is Cheapest for Uber Drivers in Irvine? (FAQ)
- How Much are Auto Insurance Quotes for Drivers Requiring a SR22 in Irvine? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Should I Buy a New or Used Car? (Allstate)