Want to learn how to save money and find more affordable Audi A6 insurance in San Diego? Finding cheap premium rates on Audi A6 insurance in San Diego is always quite difficult for people who are new to online rate comparisons. With such a large number of agents and insurers available, it can easily turn into more work than you anticipated to locate the lowest price in California.
It’s amazing but most consumers in California kept buying from the same company for four years or more, and nearly the majority have never even shopped around for lower-cost coverage. Many consumers in the United States could save 47% a year by just comparing rate quotes, but they don’t believe how much savings they would realize if they bought a different policy.
This information will let you in on the most effective way to quote insurance and how to save the most money. If you are insured now, you stand a good chance to be able to buy cheaper auto insurance using the following tips. But California vehicle owners need to have an understanding of how big insurance companies sell insurance online and take advantage of how the system works.
Affordable Audi insurance rates in San Diego
The following companies provide comparison quotes in San Diego, CA. If the list has multiple companies, we suggest you get rates from several of them in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A6 3.2 Premium 4-Dr Sedan||$516||$1212||$534||$32||$160||$2,454||$205|
|A6 3.2 Premium Plus 4-Dr Sedan||$296||$592||$416||$24||$124||$1,452||$121|
|A6 3.0 Quattro Premium 4-Dr Sedan||$406||$866||$464||$28||$138||$1,902||$159|
|A6 3.0 Quattro Premium Plus 4-Dr Sedan||$280||$628||$574||$34||$172||$1,688||$141|
|A6 3.0 Quattro Premium Station Wagon||$252||$572||$424||$26||$128||$1,402||$117|
|A6 3.0 Quattro Premium Plus Station Wagon||$252||$544||$424||$26||$128||$1,374||$115|
|A6 3.0 Quattro Prestige 4-Dr Sedan||$330||$698||$464||$28||$138||$1,658||$138|
|A6 3.0 Quattro Prestige Station Wagon||$406||$866||$394||$24||$118||$1,808||$151|
|A6 4.2 Quattro Prestige 8Cyl 4-Dr Sedan||$412||$914||$534||$32||$160||$2,052||$171|
|Get Your Own Custom Quote Go|
Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in vehicle garaging location which can affect prices significantly.
Does full coverage make sense?
The information below visualizes the comparison of Audi A6 premium costs with full coverage and liability only. The premiums are based on a clean driving record, no at-fault accidents, $100 deductibles, married female driver, and no additional discounts are factored in.
When to drop comp and collision
There is no set guideline for excluding comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let’s pretend your Audi A6 replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $5,000 after paying your deductible. If you are currently paying more than $500 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are some situations where dropping physical damage coverage is not in your best interest. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not remove full coverage.
Annual premiums for males versus females in San Diego
The diagram below illustrates the comparison of Audi A6 car insurance rates for male and female drivers. The data is based on no claims or driving violations, comp and collision included, $250 deductibles, drivers are single, and no discounts are factored in.
Safe drivers pay less for auto insurance
The chart below highlights how speeding tickets and fender-benders can influence Audi A6 insurance costs for each age group. The premium estimates are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied.
Do you qualify for discounts on Audi A6 insurance in San Diego?
Some providers don’t always advertise the entire discount list in a way that’s easy to find, so the following list contains both the well known in addition to some of the lesser obvious discounts you could be receiving when you buy San Diego auto insurance online.
- Discounts for Responsible Drivers – Drivers who avoid accidents can save up to 40% or more on their San Diego auto insurance quote as compared to drivers with claims.
- Federal Government Employee – Being employed by or retired from a federal job may reduce rates when you quote San Diego auto insurance with select insurance companies.
- Distant Student Discount – College-age children who are attending college without a vehicle on campus may be able to be covered for less.
- Discounts for Multiple Vehicles – Buying insurance for more than one vehicle on a single policy can get a discount on all vehicles.
- Theft Prevention System – Vehicles that have factory anti-theft systems prevent vehicle theft so companies will give you a small discount.
- Payment Method – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
- Active Service Discounts – Having a deployed family member may lower your insurance rates slightly.
While discounts sound great, it’s important to understand that some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like all those discounts means the company will pay you, it doesn’t quite work that way.
A list of insurance companies and a selection of discounts include:
- State Farm has savings for Steer Clear safe driver discount, multiple policy, Drive Safe & Save, multiple autos, good student, student away at school, and defensive driving training.
- Liberty Mutual has discounts for newly married, teen driver discount, multi-car, hybrid vehicle, and exclusive group savings.
- American Family may include discounts for bundled insurance, Steer into Savings, multi-vehicle, accident-free, defensive driver, and air bags.
- Progressive offers discounts for online quote discount, multi-vehicle, continuous coverage, good student, and multi-policy.
- Farmers Insurance policyholders can earn discounts including teen driver, bundle discounts, mature driver, youthful driver, and pay in full.
- Auto-Owners Insurance may offer discounts for anti-lock brakes, paperless, anti-theft, safe driver, and air bags.
- SAFECO includes discounts for bundle discounts, homeowner, anti-theft, drive less, accident prevention training, and anti-lock brakes.
Check with all the companies to apply every possible discount. All car insurance discounts may not be offered in San Diego.
You are unique and your auto insurance should be too
Always remember that when buying coverage for your vehicles, there is no one-size-fits-all type of policy. Everyone’s needs are different.
Here are some questions about coverages that may help you determine if you might need an agent’s assistance.
- Do they offer discounts for home and auto coverage?
- I don’t drive much so do I pay less?
- What is no-fault insurance?
- Am I covered if I wreck a rental car?
- Can my teen driver be rated on a liability-only vehicle?
- Am I covered if my car is in a flood?
- Am I missing any policy discounts?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form.
Exclusive and independent car insurance agents
Certain consumers would prefer to talk to an insurance agent and that is not a bad decision A nice benefit of getting online price quotes is you can get cheap auto insurance quotes but also keep your business local. And supporting local insurance agencies is important particularly in San Diego.
For easy comparison, once you complete this form (opens in new window), your coverage information is sent to local insurance agents who will gladly provide quotes for your coverage. There is no reason to leave your computer as quotes are delivered to the email address you provide. You can find better rates without a big time investment. If for some reason you want to get a price quote from one company in particular, feel free to go to their quote page and fill out the quote form the provide.
Pick the best auto insurance agent in San Diego for you
If you need to find a good insurance agency, it’s important to understand the types of agencies and how they differ in how they quote coverages. Auto insurance agencies may be either exclusive or independent (non-exclusive).
Independent Insurance Agents
Agents of this type are normally appointed by many insurers so they can insure your vehicles with lots of companies and potentially find a lower price. If they find a cheaper price, your agent can switch companies and that require little work on your part. If you are comparing auto insurance prices, it’s a good idea to get insurance quotes from several independent agencies in order to have the best price comparison. A lot of them also have access to different regional companies which can save you money.
Featured below are San Diego independent insurance agencies who may be able to give you pricing information.
- Nationwide Insurance: Keith Jackson Insurance Agency Inc
1081 Camino del Rio S Ste 210 – San Diego, CA 92108 – (916) 742-6995 – View Map
- Stanley Wong Insurance
4619 Convoy St # C – San Diego, CA 92111 – (858) 569-0383 – View Map
- B H Gold Insurance
9699 Tierra Grande St # 100 – San Diego, CA 92126 – (800) 421-4653 – View Map
These agents are contracted to one company such as State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to provide other company’s prices so it’s a take it or leave it situation. Exclusive insurance agents are well schooled on sales techniques which helps overcome the inability to quote other rates. A lot of people use the same exclusive agent partially due to loyalty to the company and solid financial strength.
Listed below is a list of exclusive insurance agencies in San Diego that are able to give rate quotes.
- State Farm: Wendy Phillips
3838 Camino Del Rio N #103 – San Diego, CA 92108 – (619) 563-0380 – View Map
- Val Myers – State Farm Insurance Agent
12925 El Camino Real, Ste J26 – San Diego, CA 92130 – (858) 481-0401 – View Map
- Theresa Nguyen-Muth – State Farm Insurance Agent
6650 Flanders Dr F – San Diego, CA 92121 – (858) 450-6000 – View Map
Selecting an car insurance agent needs to be determined by more than just a cheap price. Below are some questions you should ask.
- Is the agency covered by Errors and Omissions coverage?
- If you raise deductibles, how much can you save?
- How experienced are they in personal risk management?
- Are there any discounts that you might be missing?
- Will a damage claim use OEM or aftermarket replacement parts?
- Which companies can they place coverage with?
- Is there any savings for paying the full premium?
- Do they see any coverage gaps in your plan?
If you get acceptable answers to all your questions and an affordable coverage quote, you’ve probably found an insurance agency that meets the requirements to service your policy.
Slick advertising tricks that work
Insurance companies such as State Farm, Allstate and GEICO seem to constantly run ads on television and other media. They all advertise claims of big savings if you just switch to their company. It sounds good, but how can they all sell you cheaper insurance coverage? You have to listen carefully.
Many companies quote the lowest rates for the type of customer that will most likely be profitable. A good example of a driver they prefer could possibly be between 25 and 40, is a homeowner, and chooses high deductibles. Any driver who matches that profile gets the lowest car insurance rates and therefore will save a lot of money.
Potential insureds who fall short of this stringent profile may be forced to pay higher prices which results in the customer buying from someone else. If you listen to the ad wording, they say “customers that switch” not “everybody who quotes” can save as much as they claim. This is how companies can advertise the savings.
This really illustrates why drivers should compare free San Diego auto insurance quotes often. Because you never know which insurance company will have the best Audi A6 insurance in San Diego.
Car insurance coverage information
Knowing the specifics of your insurance policy aids in choosing the best coverages for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.
This protects you from damage or injury you incur to a person or their property in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 15/30/5 which means $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and property damage coverage for $5,000. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for things such as repair costs for stationary objects, attorney fees, bail bonds and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford. California state law requires minimum liability limits of 15/30/5 but it’s recommended drivers buy more liability than the minimum.
Auto collision coverage
Collision insurance pays for damage to your A6 caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims such as sustaining damage from a pot hole, crashing into a building, hitting a mailbox, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible on your A6 to save money on collision insurance.
Medical payments and PIP coverage
Med pay and PIP coverage kick in for short-term medical expenses for things like pain medications, rehabilitation expenses and EMT expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible
Comprehensive auto coverage
This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like rock chips in glass, a tree branch falling on your vehicle, hail damage, vandalism and hitting a bird. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many California drivers only carry the minimum required liability limits (15/30/5 in California), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.
Smart consumers save more
Consumers change insurance companies for many reasons like an unsatisfactory settlement offer, not issuing a premium refund, policy cancellation and even delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new company can be easy and end up saving you some money.
Affordable Audi A6 insurance in San Diego is possible online in addition to many San Diego insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not have rates over the internet and most of the time these smaller providers sell through independent insurance agencies.
While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. There have been many cases where someone sacrificed liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at a price you can afford while still protecting your assets.
For more information, feel free to visit these articles:
- Vehicle Insurance in the U.S. (Wikipedia)
- How Much is Auto Insurance for Lyft Drivers in San Diego? (FAQ)
- How Much are Auto Insurance Rates for a Dodge Grand Caravan in San Diego? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for 4×4 Vehicles in San Diego? (FAQ)
- Who Has Affordable San Diego Car Insurance for Low Credit Scores? (FAQ)
- Who Has Cheap San Diego Car Insurance Rates for Nurses? (FAQ)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Determing Auto Insurance Rates (GEICO)