Cheapest Insurance for an Audi S5 in San Diego

Did you make the mistake of buying an underperforming, overpriced car insurance policy? Don’t sweat it because there are many San Diego consumers feeling the pinch from expensive car insurance.

It’s hard to fathom, but nearly 70% of customers kept their coverage with the same car insurance company for at least four years, and 38% of customers have never even compared rates from other companies. San Diego insurance shoppers could save themselves almost $469 a year, but they just assume it takes a lot of time to compare rates online.

Big companies like State Farm and GEICO constantly blast consumers with fancy advertisements and it can be hard to sift through the bull and take the time to shop coverage around.

If you have a current auto insurance policy, you will be able to cut your premiums using the ideas presented in this article. Locating the best rates in San Diego is really not that difficult. Although California vehicle owners should learn how companies price online insurance because rates are impacted by many factors.

Many insurance companies allow consumers to get price estimates online. This process is fairly straightforward as you simply enter the coverage amounts you desire into the form. After the form is submitted, the system collects information on your driving record and credit history and provides a quote based on the data you entered. Quoting online for Audi S5 insurance in San Diego simplifies rate comparisons, and it’s necessary to do this in order to get a lower rate.

To quickly find out what other companies charge, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you input the coverage information identical to your current policy. This helps ensure you will receive comparison quotes for similar coverage.

The car insurance companies shown below provide price quotes in San Diego, CA. If multiple providers are shown, it’s a good idea that you visit two to three different companies to get a more complete price comparison.

Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Prices do not factor in specific San Diego garaging location which can impact rates greatly.

Deductible analysis

When shopping for auto insurance, a common question is how high should your deductibles be. The rates shown below can help you visualize how much more rates are between high and low insurance deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in garaging location in San Diego which can raise or lower coverage prices substantially.

Based on this data, using a $250 deductible could cost the average driver approximately $49 more each month or $588 a year than choosing the higher $1,000 deductible. Because you would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 15 months between claims, you would most likely save money if you choose a higher deductible.

One important caveat is that raising deductibles results in a higher out-of-pocket expense when you do file a claim. That will force you to have enough savings in order to pay the deductible to have repairs made.

Cheaper rates on Audi S5 insurance in San Diego with these insurance discounts

Some insurers don’t necessarily list every available discount very well, so the list below gives a summary of some of the more common and the harder-to-find credits available to bring down your rates.

• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
• No Claims – Good drivers with no accidents pay less in comparison with frequent claim filers.
• Discount for Low Mileage – Low annual miles may allow you to get cheaper insurance rates.
• Good Grades Discount – Getting good grades may save as much as 25% on a San Diego car insurance quote. Most companies allow this discount until age 25.
• Discounts for New Vehicles – Putting coverage on a new S5 can be considerably cheaper because newer models are generally safer.
• Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the medical payments premium.
• Discount for Life Insurance – Select insurance companies reward you with a discounted price on car insurance if you buy some life insurance too.
• Save over 55 – Drivers over the age of 55 could receive a small decrease in premiums.

It’s important to understand that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, it just doesn’t work that way.

If you would like to choose from a list of insurers that offer discounts in California, click this link.

What if I want to buy from local San Diego auto insurance agents?

Certain consumers just prefer to sit down with an agent and doing that can be a smart decision The biggest benefit of comparing insurance prices online is that you can find better rates but also keep your business local.

To make it easy to find an agent, after completing this form (opens in new window), your insurance data is transmitted to participating agents in San Diego that provide free San Diego car insurance quotes for your business. It’s much easier because you don’t need to leave your house since rate quotes are delivered directly to your email. It’s the lowest rates without requiring a lot of work. If you have a need to compare rates from a particular provider, feel free to find their quoting web page and submit a quote form there.

Finding the right insurer is decision based upon more than just a cheap price. These are some questions your agent should answer.

• Will they give you a referral list?
• Do they reduce claim amounts on high mileage vehicles?
• If independent agents, which companies do they recommend?
• What is the agency’s Better Business Bureau rating?
• Do they make recommendations based only on price?

If you are wanting to find local San Diego agents, it’s helpful to know the types of agencies and how they differ in how they quote coverages. San Diego agents are categorized either independent (non-exclusive) or exclusive.

Exclusive Insurance Agencies

Agents of this type generally can only insure with one company and examples are Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to place coverage with different providers so they have to upsell other benefits. Exclusive agents are very knowledgeable on what they offer which helps offset the inability to provide other markets.

Below are San Diego exclusive insurance agencies who can help you get price quote information.

View more San Diego agents

Independent Car Insurance Agencies

Agents in the independent channel can quote rates with many companies so as a result can place your coverage with any number of different companies and get you the best rates possible. If they find a cheaper price, your agent can just switch to a different company and you can keep the same agent.

When shopping rates, we recommend you compare prices from a couple of independent agencies to have the best price comparison.

The following are independent agents in San Diego that can give you price quotes.

View more San Diego agents

Lower Your San Diego Insurance Premiums

Part of the auto insurance buying process is learning the different types of things that aid in calculating auto insurance rates. When you understand what controls the rates you pay, this helps enable you to make changes that could help you find lower auto insurance prices. Lots of things are taken into consideration when you get a price on insurance. Most are fairly basic such as traffic violations, but other criteria are not as apparent like your continuous coverage or your vehicle rating.

The factors shown below are most of the major factors auto insurance companies consider when setting prices.

• Women tend to be lower risk – Statistics have proven females are less aggressive when driving. That doesn’t necessarily mean that women are BETTER drivers than men. They both are in auto accidents in similar percentages, but the men have costlier accidents. Men also tend to get cited for more serious violations like DWI (DUI) or reckless driving.
• A good credit rating can save money – An insured’s credit history is a big factor in determining premium rates. Insureds that have excellent credit scores tend to be more responsible as compared to drivers with lower credit scores. Therefore, if your credit score can be improved, you could pay less to insure your Audi S5 by improving your rating.
• More people means more accidents – Being located in a rural area is a positive aspect when buying auto insurance. Fewer people means less chance of accidents and a lower car theft rate. Drivers who live in large California cities regularly have much more traffic and more time behind the wheel. Longer commute distances statistically corresponds to a higher accident and claim rate.
• Rate your vehicle for proper use – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Almost all companies apply a rate based on their usage. Vehicles that do not get driven very much receive lower rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your S5 can result in significantly higher rates. Ask your agent if your auto insurance coverage reflects the correct usage for each vehicle.
• Audi S5 statistical loss data – Insurance companies include the past claim history for a vehicle to help determine rates. Models that tend to have a higher amount or frequency of claims will have higher rates. The data below shows the historical loss data for Audi S5 vehicles.

  For each coverage category, the statistical loss for all vehicles compiled together is represented as 100. Values that are 100 or less are indicative of better than average losses, while numbers shown that are more than 100 indicate more frequent claims or an increased chance of larger losses than average.

  Audi S5 Insurance Claim Statistics

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Audi S5 2dr 4WD	197	85	161	68
  Audi S5 Convertible 4WD	162	62	124

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Why you need Audi vehicle insurance in California

Even though it’s not necessarily cheap to insure an Audi in San Diego, auto insurance is most likely required but also gives you several important benefits.

• Most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability protection if you want to drive 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 have a lien on your vehicle, most banks will make it a condition of the loan that you buy insurance to protect their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Audi for a much higher rate and force you to pay much more than you were paying before.
• Insurance safeguards your Audi and your assets. Insurance will also pay for all forms of medical expenses that are the result of an accident. As part of your policy, liability insurance also covers legal expenses if you cause an accident and are sued. If your Audi gets damaged, collision and comprehensive coverages will pay to have it repaired.

The benefits of insuring your car outweigh the cost, especially if you ever need it. According to a 2015 survey, the average American driver overpays more than $810 a year so it’s recommended you shop around once a year at a minimum to help ensure money is not being wasted.

Cheap auto insurance rates are possible

When searching for low cost San Diego car insurance quotes, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped full coverage to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find at a price you can afford, but don’t skip important coverages to save money.

In this article, we covered a lot of tips how to get a better price on Audi S5 insurance in San Diego. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the best car insurance rates are with the least-expected company. They may only write in your state and offer lower premium rates compared to the large companies like Allstate or State Farm.

To learn more, feel free to browse the following helpful articles:

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• Who Has Affordable Car Insurance for First-time Drivers in San Diego? (FAQ)
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