Auto Insurance Quotes for an Audi A5 in San Diego

Did you fall for a flashy sales pitch and buy an expensive insurance policy? Don’t sweat it because there are lots of people in the same boat.

Astonishing but true, almost 70% of insureds have purchased from the same company for well over three years, and 38% of drivers have never shopped around. Consumers in California can save roughly $500 each year, but they think it’s difficult to save money by comparing rate quotes. Multiple insurance companies compete to insure your vehicles, so it can be very hard to choose a company and get the best coverage at the cheapest price on Audi A5 insurance in San Diego.

If you are insured now or are looking for a new policy, you can learn to lower your rates without sacrificing coverage. Locating the best rates in San Diego is much easier if you know where to start. Drivers just need to learn the fastest way to compare price quotes from many different companies.

The quickest way to compare rates for Audi A5 insurance in San Diego takes advantage of the fact all the major auto insurance companies actually pay money for the chance to provide you with free rate quotes. The only thing you need to do is provide a little information including marital status, how you use your vehicles, the type of vehicles you drive, and types of safety features. The data is then sent to many highly-rated insurers and they return cost estimate with very little delay.

To compare rates for your Audi A5 now, click here and enter the information requested.

The companies shown below provide free quotes in San Diego, CA. If several companies are displayed, it’s highly recommended you compare several of them to get the most affordable price.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate quotes do not factor in specific location information which can increase or decrease prices greatly.

Audi A5 insurance rates by gender

The information below shows the difference between Audi A5 car insurance costs for male and female drivers. The information is based on no driving violations, no at-fault accidents, comp and collision included, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Physical damage deductibles: Should you raise them?

When buying auto insurance, a common question is the level to set your comp and collision deductibles. The following tables help summarize the rate difference of buying low and high physical damage deductibles. The first data table uses a $100 physical damage deductible and the second set of rates uses a $1,000 deductible.

Premium 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, multi-policy, claim-free, and safe-driver. Table data does not factor in specific garaging location which can increase or decrease prices significantly.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $62 more each month or $744 each year than requesting the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 15 months between claims, you would save money by selecting a higher deductible.

These discounts can reduce Audi A5 insurance rates

Companies that sell car insurance do not list the entire discount list in a way that’s easy to find, so the following is a list of some of the best known and also the lesser-known insurance savings.

• Memberships – Affiliation with qualifying clubs or civic groups may earn a discount on insurance.
• Air Bags and Passive Restraints – Factory options such as air bags may get savings up to 30%.
• Responsible Driver Discount – Insureds without accidents can pay as much as 50% less than drivers with accidents.
• ABS Brakes – Vehicles with anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
• Distant Student Discount – Youth drivers living away from San Diego attending college and do not have a car may qualify for this discount.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 15% off the medical payments premium.
• Onboard Data Collection – Drivers who elect to allow their insurance company to spy on driving patterns by using a telematic data system such as Progressive’s Snapshot could see a rate decrease if they show good driving skills.
• Accident Forgiveness Coverage – Not a discount per se, but some companies like Liberty Mutual and GEICO allow you one accident without raising rates if your claims history is clear for a particular time prior to the accident.
• Good Student – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally until age 25.

Don’t be shocked that some credits don’t apply to the whole policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.

Large insurance companies and some of their more popular discounts are included below.

• GEICO discounts include anti-theft, good student, federal employee, daytime running lights, air bags, and anti-lock brakes.
• Travelers has discounts for IntelliDrive, home ownership, new car, continuous insurance, and payment discounts.
• Nationwide may offer discounts for business or organization, Farm Bureau membership, multi-policy, good student, easy pay, accident-free, and anti-theft.
• Farmers Insurance includes discounts for business and professional, teen driver, homeowner, bundle discounts, and electronic funds transfer.
• Esurance offers discounts including anti-theft, online shopper, good student, defensive driver, multi-policy, multi-car, and renters.
• State Farm may include discounts for Steer Clear safe driver discount, multiple autos, multiple policy, accident-free, passive restraint, and good driver.
• Progressive offers discounts for continuous coverage, online signing, homeowner, multi-policy, and online quote discount.
• Mercury Insurance may have discounts that include professional/association, low natural disaster claims, anti-theft, good student, and type of vehicle.

Double check with each insurance company to give you their best rates. Some of the discounts discussed earlier may not apply in your area. If you would like to view companies that offer some of these discounts in San Diego, click here.

What Determines Audi A5 Insurance Costs?

Lots of factors are used in the calculation when pricing auto insurance. Some factors are common sense such as your driving record, but others are more obscure like your vehicle usage or how financially stable you are.

• Alarms and GPS tracking systems cut auto insurance rates – Purchasing a vehicle with advanced anti-theft systems can help lower your rates. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms all hinder your vehicle from being stolen.
• Save mileage and save money – The higher the miles on your Audi every year the higher the price you pay to insure it. A lot of companies charge rates based on their usage. Cars that are left in the garage receive lower rates than those that get driven frequently. Verify your vehicle rating is rated on how each vehicle is driven. An incorrectly rated A5 can result in significantly higher rates.
• More people means more accidents – Residing in small towns and rural areas has it’s advantages when buying auto insurance. Fewer people corresponds to lower accident rates and also fewer theft and vandalism claims. Residents of big cities regularly have more auto accidents and longer commute times. Higher commute times means higher likelihood of an accident.
• Lower performance equals lower insurance premiums – The performance level of the car you drive makes a substantial difference in how high your rates are. The most favorable rates are usually found on small economy passenger cars, but other factors influence the final cost greatly. Since the Audi A5 falls in the luxury sports car class, insuring your vehicle will cost up to twice as much compared to average rates in San Diego.
• Save money by having multiple policies – Some companies provide a discount to insureds that buy multiple policies such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even with this discount, drivers will still want to compare Audi A5 rates in San Diego to ensure the best deal.
• Be proud to be claim-free – If you frequently file small claims, you can definitely plan on increased rates or even have your policy non-renewed. Companies in California provide the lowest premiums to drivers that do not abuse their auto insurance. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.
• Lower stress equals lower rates – Careers like military generals, executives and accountants have higher premium rates due to high stress levels and lengthy work days. Other occupations such as actors, historians and homemakers generally pay rates lower than average.
• Men are more aggressive – The statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that women are better drivers. They both get in auto accidents in similar numbers, but males tend to have higher claims. Men also get cited for more serious violations such as DWI and reckless driving.
• Insurance loss data for an Audi A5 – Insurers include the past claim history for a vehicle to determine a rate that will be profitable for them. Models that the statistics show to have higher claim frequency or loss amount will cost more to insure.

  The data below shows the historical insurance loss data for Audi A5 vehicles. For each type of coverage, the statistical loss for all vehicles, as an average, is set at 100. Values that are under 100 suggest a positive loss record, while values that are 100 or greater indicate higher probability of having a loss or larger claims.

  Audi A5 Insurance Claim Statistics

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Audi A5 2dr 4WD	196	92	140	73	83	100
  Audi A5 Convertible 4WD	147	73	140	56

  BETTER

  AVERAGE

  WORSE

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

Shop online but buy locally

A small number of people still prefer to visit with an insurance agent and there is nothing wrong with that. Good agents are trained risk managers and will help you if you have claims. The best thing about getting online price quotes is you can get the lowest rates but also keep your business local. Buying from and supporting local agencies is especially important in San Diego.

To make it easy to find an agent, after completing this simple form, your insurance coverage information is submitted to participating agents in San Diego who want to provide quotes to get your business. It’s much easier because you don’t need to leave your computer as quotes are delivered immediately to your email address. If you wish to quote rates from a specific insurance company, feel free to visit that company’s website and fill out the quote form the provide.

The different types of auto insurance agents

When finding a reliable insurance agent, it’s important to understand the types of agencies and how they differ in how they quote coverages. Agents can be described as either exclusive or independent agents depending on their company appointments. Both can insure your vehicles properly, but it’s good to learn the differences since it can affect your agent selection.

Independent Agencies or Brokers

Independent insurance agents are not restricted to one company so as a result can place your coverage through lots of different companies and possibly get better coverage at lower prices. If prices rise, they can switch companies in-house which is easy for the insured.

If you need cheaper auto insurance rates, you need to get some free quotes from independent agents in order to have the best price comparison.

The following are San Diego independent insurance agents that may be able to provide comparison quotes.

More San Diego agents

Exclusive Auto Insurance Agents

Exclusive agencies can only provide one company’s prices and some examples include State Farm, Allstate, or Farmers Insurance. These agents are unable to shop your coverage around so they have to upsell other benefits. Exclusive agents are usually quite knowledgeable in insurance sales which aids in selling service over price.

Listed below are San Diego exclusive insurance agents that can give you price quotes.

More San Diego agents

Choosing an insurance agency should include more criteria than just a cheap price. The questions below may impact your decision as well.

• Will their companies depreciate repairs to your car based on the mileage?
• Are there any discounts that you might be missing?
• If your car is in the repair shop, do you have coverage for a rental car?
• Is their price quote a firm figure or are their hidden costs?
• How are claims handled?
• Do they make recommendations based only on price?

Once you have positive feedback for all questions you ask as well as affordable Audi A5 insurance rates in San Diego quotes, it’s a good possibility that you have found an insurance agent that is a good match to provide auto insurance coverage.

There’s no such thing as the perfect auto insurance policy

When choosing adequate coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are unique to you and your policy should reflect that.
Here are some questions about coverages that may help you determine whether your personal situation will benefit from professional help.

• Am I covered when driving a rental car?
• Do I need medical payments coverage since I have good health insurance?
• Is upholstery damage covered by car insurance?
• Will my Audi A5 be repaired with OEM or aftermarket parts?
• Are my custom wheels covered?
• Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

The best insurance company isn’t always the cheapest

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, drivers have reduced liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

We just showed you a lot of tips how to find affordable Audi A5 insurance in San Diego. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the lowest prices come from a lesser-known regional company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.

To read more, take a look at the articles below:

• Eight Auto Insurance Myths (Insurance Information Institute)
• Who Has Affordable Car Insurance Rates for a Nissan Altima in San Diego? (FAQ)
• What Car Insurance is Cheapest in San Diego, California? (FAQ)
• How Much is Auto Insurance for a Nissan Versa in San Diego? (FAQ)
• Who Has Cheap Car Insurance for Drivers with Accidents in San Diego? (FAQ)
• Who Has Cheap San Diego Auto Insurance with Multiple Speeding Tickets? (FAQ)
• Red Light Cameras (State Farm)
• Preventing Carjacking and Theft (Insurance Information Institute)
• Vehicle Insurance (Wikipedia)
• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)